Personal finance analytics · Copilot Money, Inc.

Copilot

iOS-first personal finance app with linked-account budgeting, net worth, and investment tracking and a native, ad-free design.

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Copilot is a personal finance and budgeting app built natively for iOS (with Mac and web companion apps), aggregating bank, credit, and brokerage accounts to auto-categorize transactions using on-device machine learning that improves with correction. It presents budgeting, cash-flow, net-worth, and investment-performance views, plus recurring-charge detection and household sharing between partners. Copilot is subscription-funded with no free tier and no advertising or data-selling model, and is cloud-hosted only; there is no self-hosted option. It appeals most to users who want a polished, fast, Apple-ecosystem-native alternative to spreadsheet budgeting or legacy desktop finance software, and who are comfortable paying directly for the product.

At a glance

Vendor Copilot Money, Inc.
Pricing model Subscription
Free tier No
Deployment Cloud
Open source No
Best for Apple-ecosystem users who want a fast, native budgeting app and are willing to pay a subscription instead of using a free, ad-supported one.

Pricing

Single paid subscription tier with a free trial before any account is connected; no permanent free tier.

Plan Price Notes
Copilot $7.92/month billed annually ($95/year) monthly billing also available at a higher rate; free trial before connecting accounts

Prices read from the vendor's own page on September 21, 2026. Vendors change prices; check the source before you budget.

Features

  • Linked bank, credit, and investment account aggregation
  • On-device ML transaction categorization that learns from corrections
  • Budgeting and cash-flow views
  • Net worth and investment performance tracking
  • Recurring subscription and bill detection
  • Household/partner account sharing
  • Native iOS, macOS, and web apps

Integrations

Profile last reviewed September 21, 2026

Alternatives

Monarch Money Subscription personal finance app that links bank, credit, and investment accounts for budgeting, net worth, and goal tracking. YNAB Zero-based budgeting app that assigns every dollar a job, with linked accounts, goal tracking, and shared household budgets. Quicken Simplifi Linked-account budgeting and spending-plan app from Quicken, positioned as a simpler, cloud-based alternative to desktop Quicken. Lunch Money Independent, API-friendly budgeting app for linked accounts, crypto, and multi-currency spending, built for power users and developers.

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