A design-led personal finance app for Apple devices that categorises spending automatically and tracks budgets, investments and net worth in one place.
Highlights
- ML transaction categorization that learns from your corrections
- Budgets with rollover and a "spending line" pacing visualization
- Automatic detection of subscriptions and recurring charges
- Net-worth tracking across bank, brokerage, and crypto accounts, with real-estate values via Zillow
- Investment performance and asset-allocation views
- Mint data import and monthly cash-flow summaries
External link — opens copilot.money in a new tab. Copilot Money is a third-party product; we are not affiliated with it.
About Copilot Money
What it is
Copilot Money aggregates bank, card, investment and crypto accounts, then uses machine learning to categorise transactions, pace budgets through the month and track net worth. It is a subscription app built firmly around Apple platforms, and grew largely as a replacement for people leaving Mint.
Why it's different
Its real advantage is the categorisation actually learning. Every aggregator claims automatic categorisation; most produce a mess you spend Sunday correcting, and people abandon the app rather than the habit. Copilot's corrections stick, which is the difference between a tool you use in month three and one you deleted. The trade-offs are clear. It is Apple-only, so it is simply unavailable to a lot of people. It is a paid subscription in a category with free options. And it is strongest for US accounts — bank coverage outside the US is noticeably thinner, which is the first thing to check rather than the last.
How people use it
It is used for the ordinary discipline of knowing what you spend: reviewing categorised transactions weekly, watching budgets pace through the month rather than discovering an overspend afterwards, and seeing net worth across scattered accounts. The value appears in month two or three, once there is enough history for trends to mean something. Check your own banks connect before subscribing.
Written by the n3os team. We are not affiliated with Copilot Money.
This listing was written from public information, without Copilot Money’s involvement. If you own it and something here is wrong — or you would rather not be listed at all — email us and we will correct or remove it.
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