Copilot: Track & Budget Money ٤+

So far, Copilot has been a life changer for me! Mind you, I have only been using it for a week, and I haven't used all of its features, but this piece of software is definitely for people like me who don't follow their expenses and dread the tax returns period! Copilot is crazy easy to set up, the dashboard gives you a great overview of what matters the most, you can edit, create, modify your categories (I strongly suggest that you follow the same categories as the IRS), you can connect all of your accounts, including your savings accounts in no time, and this little feature that allows you to click on an expense and Copilot retrieves all similar expenses so that you can add them to the same category and add tags is amazing! And it works both on iPhone and Mac! It almost makes it fun to do your taxes!

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.