Copilot: Track & Budget Money 4+

All Accounts in One Place
I appreciate having a bird’s eye view of all my accounts. It’s really helpful to be aware of all my balances and the net worth of my finances.

Clean Interface
The interface is clean and enjoyable to use. It’s smooth and user-friendly, making it pleasant to spend time in the app.

Budgeting
The budgeting tools are good and flexible. I love how committed spending appears in the spending section. It would be great to have the option to create budgets for the next month.

Categorization
I have no issues with the flexibility of grouping and categorizing my expenses. Once the rules are adjusted, they work well.

Income
There aren’t many features related to income. I don’t have the option to categorize my income from different sources or see analytics about my income.

Recurring Payments
Overall, recurring payments work fine for me. However, I sometimes need to plan the first recurring payments, which isn’t currently possible.

Impact
I love having this app. It helps me stay aware of all my upcoming payments, analyze my expenses, and optimize based on this data.

Wish
Right now, the app’s features and interface guide me to manage my expenses. I would also like features that help me build wealth and work on increasing my income.

Although it initially seemed promising, Copilot soon fell off of grace with constant syncing issues with my AMEX bank accounts dragging for months. The support team is friendly but couldn't do more than gaslight me and finger-point at Plaid and Google, apparently the backbone of the whole app, and ignored reported issues like years-long deleted account registries and other syncing issues. Ignoring problems and complaints is not an acceptable solution. Other than category logging, the usual reports, trends, reminders, and forecasts are missing. The iOS and Mac OS apps are buggy with input lag, unresponsiveness, and sometimes even reverting transactions and other actions without an apparent reason. Manual accounts do not allow for retroactive registry logging, causing persistent erroneous analyses and reports (like loan accounts, for example). Although it has a fresh, visually neat, hands-off approach to finance tracking, it is a shallow application lacking basic features and unreliable tracking of my bank accounts. With a new subscription price over $90, it is impossible to recommend Copilot compared to the competition's feature set and prices. Unfortunately, I wasted a full-year subscription to learn this in the first person. I hope this helps you avoid the mistake I made.

I was looking for a Mint alternative about 1 year ago. I came across Copilot and definitely enjoyed it. Then my bank switched and the way copilot interacts with banks is via a 3rd party finance business called Plaid. For over 3 months my bank couldn't connect to Plaid so copilot could not get my info. What a poor business model to be reliant on one financial institution for exchange financials. I have read that small / region banks also do not talk nicely to Plaid so copilot is useless with them too. Other competitors such as Monarch Money use 2 or 3 financial companies (Plaid, Finicity and one more I forgot the name of). Great for when Plaid lets you down. Quicken someone just connect with banks directly. Rocket money does the same. Ultimately I left copilot due to this glaring issue where my bank wont connect so budgeting is useless. I went to quicken Simplifi. Its also 1/3 of the price. Almost $100 for copilot a year is a lot for an app that is suppose to save me money....cool app, lots of customization, AI is nice...but if you cannot tell me the balance in my checking accout whats the point. Also they refused to refund my money so thats why I am writing a review.