Copilot: The Smart Money App 4+

Spending and investing tracker

Copilot Money, Inc.

Designed for iPhone

    • 4.8 • 4.8K Ratings
    • Free
    • Offers In-App Purchases

iPhone Screenshots

Description

INTRODUCING COPILOT 2.0!

Copilot now also tracks your investments, giving you a bird’s-eye view across multiple institutions. No more switching between apps.

Featured by Apple:

"The future of personal finance", "With elegant graphs and an interface that’s a genuine joy to use, Copilot helps you visualize exactly where your money is going; its smart algorithms, driven by machine learning, are especially adept at automatically categorizing transactions."

KEY FEATURES

- Automatic tracking and categorization of your spending, investments, and recurring expenses.
- Best-in-class widgets
- Unlimited custom spending categories
- Dark mode
- No ads, 100% private
- Support for Venmo, Coinbase, Apple Card Statements, Capital One, and 10,000+ other institutions

Copilot is a subscription app. Our yearly subscription ends up being roughly $5.80 per month, $69.99 per year. This allows us to provide a personalized and secure experience and gives you full, unlimited access to the app– no hidden fees, gated features, or ads. Our goal is to build a home for your finances where your satisfaction with the product is the only thing that matters.

Copilot is a beautifully designed home for your finances. It automatically tracks your accounts and helps you navigate your finances throughout the month. It also finds and tracks your subscriptions and bills, notifies you when you get paid, and shows you an end-of-month summary that accurately reflects where your money went and how your net worth changed. On Copilot everything is customizable, and you can easily train it to better understand your finances. You can also connect your investment accounts to see your holdings and returns. Do you want to share your Copilot account with a partner? No problem! The app can run on multiple devices at the same time.

Read our reviews!

► The future of personal finance

Copilot uses machine learning to deliver powerful, hyper-personalized insights that help you effortlessly understand and manage how you spend, save, and invest your money. Transactions are organized automatically so they’re as easy to search, sort, and filter as your email inbox. The app uses crowdsourced feedback and machine learning to continuously improve the experience for everyone who uses it.

► All your accounts, in one place

Copilot keeps track of all your bank, credit, and investment accounts so you don’t have to– just link them once and we’ll take care of the rest. Do you have an Apple Card? You can import your statements directly from the Wallet app. You’ll receive daily and monthly account summaries for peace of mind and get notified if anything needs your attention.

► Tailor-made budgets without the headache

Copilot creates realistic budgets for you based on your actual spending habits and expenses to help keep your spending on track. Recurring bills and subscriptions are automatically detected and included in your budgets, so there’s never any guesswork or end-of-month surprises. You can turn on Budget Rollovers to easily track spending across multiple months.

► With Copilot, you’re in the driver’s seat

Choose exactly which notifications you want to receive. Create custom budget categories and name them whatever you want (emojis included). Switch from light to dark mode. The app is designed to adapt to your behavior and preferences over time, and any adjustments you want to make are a simple swipe or tap away.

► Private and safe, as it should be

Copilot protects your information with bank-level security and has read-only access from your financial institutions. We treat your personal data like we’d want ours to be treated, which means never selling or sharing it with third parties. Ever.

Copilot currently works with US financial institutions only.

Learn more at https://www.copilot.money

Terms of Service: https://www.copilot.money/terms_of_service
Privacy Policy: https://www.copilot.money/privacy_policy

What’s New

Version 2.1.1

In this update:
• You can now also manually track investments accounts. Simply enter your movements and a Copilot will calculate the rest.
• Easily connect with various crypto exchanges to automatically track your holdings (including stakes for select platforms).
• Various other bug fixes and improvements.

Ratings and Reviews

4.8 out of 5
4.8K Ratings

4.8K Ratings

Kirmat ,

Great budgeting App

I was very reticent to try this app because I’ve been using mint forever and all my data is there and it’s free. It seemed counterintuitive to spend money on a budgeting app. But I found myself with covid at the end of the year and spending a lot of downtime laying on the couch so I figured I’d spend the time trying it out. I love this app! It’s so easy to use and very intuitive. I appreciate that it’s very well thought out. I had a couple of issues setting it up and the customer service team responded right away. One issue was easily resolved and the other has to do with linking one of my accounts and I’m very impressed with the level of ongoing communication while they continue to fix it. It’s very easy to ask questions and they respond with a genuine answer quickly. There is even a designated area to submit suggestions which they also respond to. The only thing it’s missing is the ability to filter a category by a specific time frame and then print it (i.e. rental expenses for the year). But after I asked about it they said others have also asked for that functionality and they are working on it.

So far I’ve been extremely impressed. So much better than mint and definitely worth the money.

Beck58 ,

Fabulous but missing key feature for money mgmt

5 - 1 — need a split rating on this one for 5 stars and 1 star. I’ve been using YNAB for a few years and it has changed my ability to effectively manage my money. For various reasons I was looking for a different tool and did side by side comparisons between a few apps via 30-day free trials. Copilot was hands down my favorite. It’s awesome but I stayed with YNAB because of one thing. Copilot is missing a way to enter transactions manually before they clear your bank account. For me, this was a dealbreaker because I would be a nervous wreck about overdrawing my checking because I can’t see what my balance is projected to be when I issue payments. I checked with the support team and they confirmed that this is true, the only way a transaction will show up in my checking account is when it clears the bank. With YNAB, I’m able to manually enter transactions when I issue payments or write a check, but not with Copilot. So for me to use Copilot, I would have to use a manual check register on the side. So I stuck with YNAB as I didn’t find any other app to beat it even tho Copilot is better except for this one fundamental piece of functionality that’s missing. I hope manual transaction entry is on your backlog - if it’s ever implemented, I’ll switch as soon as I find out.
As suggested in another review, I’d also love to see a release newsletter to email to track updates. As soon as manual entry is there, I’m in!

trentatate ,

Only $70/year!?

This was the first app where I felt like I needed to pay more. Seriously, it just provides so much value for personal finance! I used Mint for years, tried the Copilot free trial, and it was a no brainer for me to pay the yearly subscription. The app is just so freaking intuitive and syncs transactions immediately. I just got a spicy deluxe at Chick-fil-A then opened the app and it already synced into my transactions and into the correct category. The feature I use most often is the dotted line spending rate. I can see how much I am over or under budget everyday on a graph which helps me stay on target for the month. I noticed when the winter storm hit Texas my spending rate started to plateau underneath the budget because we were stuck inside not buying anything. Once the snow/ice melted I knew we had some extra budget for going out to buy food. The app also has amazing widgets for iPhone so you can keep your finances in check each time you open the phone. This app has kind of changed my personal finance life. Thanks for creating it!

App Privacy

The developer, Copilot Money, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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