Copilot: Track & Budget Money 4+

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.

Almost 5+ stars!

I really want to give this 5+ stars. It does so many things very well - and serves all of our fairly moderately complex budgeting needs. So many great tools - and we’ve chosen to use it above all the other budgeting apps we’ve tried. I would recommend it to most people. The only thing lacking, to me, is better thought for user experience and visualizations. Don’t get me wrong - the app is beautiful, and a pleasure to to use in many cases. A lot of pleasant surprises in investments and net worth tracking features. It also has some visualizations that are very helpful - even an innovative one that helps track your spending rate over the month. But there are certain things that strike me as lacking some user research. For example, it takes 5ish clicks just to get to the sign in page to link a new account - for each account (unless yours is one of the 4ish they prompt at each screen). The charting is innovative and helpful. However, beyond those elements it is very difficult to compare month over month trends for this innovative charting for multiple categories. It serves the basic needs and then some. But I found myself wanting more and loaded the data into Tableau for advanced analysis (after using a great “export” ability from the app). Maybe I’m just a data and viz geek :). But this is a great app. In my opinion, one of the best if not the best depending on what you’re looking for. Thanks for a great app!

Honest Review

The reason I got copilot was because I would just constantly see money disappear so I wanted something that could track everything. I also have a few investment accounts, a credit card, and a lot of reoccurring payments.

Pros: Copilot does an AMAZING job at watching over everything! It shows you what comes in and what goes out. It gives summaries and averages for the months and years which I find very helpful. You can track your bank accounts, most investment accounts, credit cards, reoccurring payments, income, and more. It has definitely helped me keep track of things and saved me money! I believe that it is necessary to get the subscription as it’s much better for tracking everything. I bought the yearly one which is $70 I believe which isn’t bad at all if you think about how much you save by being able to track everything.

Cons: I have had some trouble setting up my credit card on here though, as the bank i am with is not very big. Not sure why it was able to add my savings and checking but not my credit card. I also think it would be nice to be able to customize rules and some other things within the app as it would make things much smoother and organized. You are kind of limited to what rules you can create and the rules are pretty broad causing some transactions to mix up. Nothing major just a few minor things I found!

Developer Response ,

Thanks so much for the honest review! If you haven't yet, could you contact our team via the in-app chat? We'd be happy to troubleshoot that credit card connection issue you mentioned.