Copilot Money
beautiful AI-powered budgeting built exclusively for Apple users
How it works
Copilot Money is an iOS-first budgeting app that connects to your financial accounts and uses AI to automatically categorize transactions. It learns from your corrections, getting smarter over time and giving you a clear picture of spending, net worth, and investments. A limited web app launched in December 2025, but the full experience — including widgets, Siri shortcuts, and Apple Watch support — is designed for Apple devices only.
Is it right for you?
Consider if you
- You live in the Apple ecosystem and value best-in-class design
- You want AI transaction categorization that learns and improves over time
- You need investment and net worth tracking alongside daily budgeting
Skip if you
- Android users — no native Android app exists, web version is limited
- People wanting a free budgeting tool — no free tier after trial
- Couples who need shared finances or joint account features
Your money and data
Copilot Money connects to your accounts via read-only Plaid and MX integration — it can view your transactions and balances but cannot move money on your behalf. Data is encrypted in transit and at rest.
Pros & Cons
Pros
- Best-in-class design and UX across iPhone, iPad, Mac, and Apple Watch
- AI-powered categorization learns from corrections and improves over time
- Full Apple ecosystem support with widgets, Siri shortcuts, and Apple Watch
Cons
- No native Android app — web version is missing Goals, Cash Flow, and yearly review
- No free tier — $13/month or $95/year after the 1-month trial
- No joint accounts or couples sharing features
Pricing details
$13/month or $95/year · 1-month free trial · no free tier
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