Copilot Money

Copilot Money is an Apple-first personal finance app built around design and machine-learning transaction categorization. It connects to bank, credit card, investment, and crypto accounts (through Plaid and other providers), then auto-tags transactions, paces budgets, surfaces recurring subscriptions, and tracks net worth. Copilot says its AI learns your spending patterns and tags transactions automatically, and its categorization engine learns from your corrections on a per-user basis. The app is built for the Apple ecosystem: Copilot says it is available on iPhone, iPad, Mac and Web, and no Android app is listed on its site. On pricing, as read on Copilot's site on October 14, 2026: $13 per month, or $95 billed yearly (about $7.92 per month). Paying monthly instead of annually costs $61 more per year. A free trial is offered but its length is not stated in the pricing section, and Copilot also offers a no-account 'Test drive for free' demo. The pricing section shows only the monthly and yearly options. Features include AI transaction categorization, net worth and investment tracking, and automatic subscription detection. Honest limitations: it is best understood as a tracking and awareness tool rather than a strict, proactive budgeting system, so it lacks envelope budgeting, zero-based budgeting, and robust shared-budget features for couples. It also has no built-in banking, bill pay, or long-range financial planning and forecasting. Bank-sync reliability, as with most aggregator-based apps, varies by institution.