Copilot Money
Polished, AI-categorized budgeting for Apple users Budgeting
Disclosure: some links on this site are affiliate links. If you sign up through them we may earn a commission at no extra cost to you. Sponsored placements are labeled. Prices change; always confirm on the official site. Read more.
Overview
Copilot Money is a subscription personal finance app for US users on iPhone, iPad, Mac and web. It syncs your accounts and uses AI to categorize transactions, then tracks budgets, recurring payments, investments, savings goals and net worth in one place.
Best for
Solo users, especially on Apple devices, who want passive, well-designed spending and net-worth tracking.
Pros
- AI categorization that learns from your corrections
- Covers spending, investments and net worth in one app
- Web app available (added December 2025)
Cons
- US only
- No native Android app
- No permanent free tier
- Web app launched without some iOS features, per third-party reviews
Key features
- AI transaction categorization (Copilot Intelligence)
- Budgets with rollovers
- Recurring and subscription tracking
- Investment and net worth tracking
- Savings goals and custom alerts
- Money Assistant (conversational AI)