Finance
Copilot: Track & Budget Money
Personal finance tracker for iPhone, Mac, iPad and web that links accounts and builds adaptive budgets.
Get the app
Opens the official store page
- Developer
- Copilot Money, Inc.
- Score
- 4.8
- Downloads
- 10K+ ratings
- Age
- Rated 4+
- Version
- 8.7.0
- Price
- Free
Screenshots
About this app
Bank, card and investment accounts all feed into Copilot Money, which turns them into a running budget and a net worth figure. It's for people who've outgrown a spreadsheet or are tired of hopping between banking apps. It runs on iPhone, iPad, Mac and the web and stays in sync across them. Transactions are categorised automatically by what the developer calls Copilot Intelligence, which learns from corrections. Budgets adapt to real spending, recurring bills and subscriptions are detected, and savings goals can be tied to accounts. Connections cover tens of thousands of institutions, with direct links to Venmo, Apple Card and Coinbase. On iPhone there's also the Money Assistant, an AI helper that answers questions such as whether next month's bills are covered and can recategorise transactions or match refunds once the user approves. The developer says it doesn't sell financial data, train third-party models on it or show ads. A one-month free trial is offered.
Copilot: Track & Budget Money: the full guide
What the app is
Everything with a balance, bank, card or brokerage, lands in Copilot Money and becomes a live budget and a net worth figure. Phone, iPad, Mac and browser versions stay in sync, and it's for people who've left spreadsheets behind or are sick of juggling banking apps.
Categorisation is automatic, learns from your corrections, and feeds budgets that adjust to how you actually spend. Recurring bills get flagged, savings goals link to accounts, and the iPhone build adds a Money Assistant that answers questions about upcoming bills and can recategorise or match refunds once you approve. Financial data isn't sold and there are no ads, according to the developer.
How it works day to day
Most days you open it once, scan the new transactions, fix the odd category the model got wrong, and close it. The budget bars tell you whether the month is on track without any arithmetic.
Pay day and bill day are the busier moments: you check that what's due is covered, or ask the Money Assistant whether next month works. Investments and crypto, via Coinbase, roll into the net worth line that moves slowly in the background. Over time the corrections taper off as the categoriser learns your merchants.
Why people look for it
People searching for it usually want an aggregator that respects their data and looks good on Apple devices, often after a previous budgeting app shut down or started selling ads. The adaptive budgets and the automatic categorisation are the practical draws. A 4.8 rating from 10K+ reviewers is strong for a Finance app, where ratings tend to be harsh.
Look and feel
The five screenshots will show the dashboard, a budget breakdown, a transaction list and probably the net worth chart. Copilot is known for a polished, chart-heavy design with rounded cards and generous colour coding by category, and it's one of the few Finance apps where the Mac version is a full native layout rather than a stretched phone screen.
