What it does
Copilot Money tracks accounts, spending, budgets and net worth on the web and Apple devices. Its category budgets and rollovers suit spending that varies from month to month. It supports US financial institutions and US dollars, with paid monthly or annual access after a one-month trial.
Start by connecting your accounts, then review the categories and initial budget suggested from past transactions. In Categories, adjust amounts, group related expenses and enable rollovers where unused money should carry forward. The budget is not automatically tied to your income, so compare the total with what you can afford.
New transactions appear in To Review on the Dashboard. Open an entry to correct it and save the change. Check Recurrings for subscriptions and bills detected during setup; these need sensible matching rules so each monthly payment is captured.
Access and cost
A Copilot account and subscription are required. The US App Store lists US$13 monthly or US$95 annually. New users receive a one-month trial that renews into the selected plan unless cancelled. You can manage renewal under Settings → Subscription → Manage your subscription. The iPhone download offers demo data before connecting a bank.
Keep the platform differences in mind
The web version supports transaction filtering and CSV export, but currently lacks the Goals and Cash Flow tabs, budget rebalancing and creation of transaction name rules. On iPhone, export the full transaction history through Settings → Account → Export your transactions. Mac, iPad and web can also export selected transactions.
Copilot does not convert foreign currencies. An overseas transaction can arrive with its number treated as US dollars; the help guide provides manual amount editing as a workaround.
Strengths
- Category rollovers accommodate uneven spending
- Transaction history can be exported as CSV
- A single subscription covers web and Apple apps
Watch out for
- US financial institutions and US dollars only
- The web version lacks several planning and editing features
Best for
- US households reviewing spending across several financial accounts
- Apple users who want category budgets with rollovers
Sources
- Your money, beautifully organized | Copilot Money – Personal Finance App for Web, iPhone, Mac and iPad (Oct 25, 2026)
- Copilot Money Frequently Asked Questions (Oct 27, 2026)
- Copilot Money Quick Start Guide (Oct 27, 2026)
- Download and Start Copilot Money (Oct 27, 2026)
- Copilot Money: Publisher's US App Store Listing (Oct 27, 2026)
- Copilot Money: Exporting Transaction Data (Oct 27, 2026)
- Copilot Money Web FAQ (Oct 27, 2026)
- Copilot Money: International Currency (Oct 27, 2026)