Copilot: Track & Budget Money

• Monthly subscription — $13.00/month
• Monthly subscription — $95.00/year ($7.91/mo)

Last verified 30 Aug 2026

4.8 30115 ratings · App Store

1. 5/5One system to rule them all

   TL;DR - Co-pilot is the best, does what I want, some quirks, better than the competition by a long shot. If you learn to use it (support is very helpful), you will love it. I am a very analytical person who has tried almost every budgeting app people have thrown my way. I started in excel sheets, then I moved on to a terrible system I made in notion, then every app I could find, then a flushed out system in Notion that I loved. I could not find a piece of software that did what I wanted it to do - then I found co-pilot. There are some quirks that I need to learn to work around, but even those get resolved in future updates (the dev team is on top of requests, support is unmatched). The monthly recaps are a godsend, as I often sit down once a month to review everything. Co-pilot essential spoon feeds you the recap. I love that I can track everything in one spot, split charges, add tags to internal transfers/income (makes categorizing credit card cash backs and earned interest very easy). All in all this is the best, I love it, and nothing I have used in the past has been this useful, this helpful, or this beautiful (seriously, the design is very pretty). Keep it up Co-pilot team!!

   Cyber_Wizard · 30 Aug 2026

2. 1/5Transaction issue that cannot be fixed

   I’ve reduced my rating to one from the previous review because the support team is unwilling to fix the issue I’m facing. The problem is that when I pay using one of my American Express cards, Copilot sometimes fails to capture the transaction. However, Copilot does capture the transaction when the transaction status changes from pending to posted, which is good. But this behavior has a critical issue: it posts to the wrong date and sometimes copies notes from other transactions. This makes it very difficult to keep track of when these transactions actually occurred. After spending a long time with a support representative from Copilot, he told me that this is a Plaid issue and that they can’t do anything about it. I argued that the issue of copying notes from different transactions is Copilot’s problem, not Plaid’s, because the notes are Copilot’s, not Plaid’s. However, he concluded that it was a Plaid issue because Plaid linked these transactions. I’m not convinced because I believe that the copying note behavior is done by Copilot, not Plaid, even though Plaid had the wrong transaction linkage. I asked him to escalate the issue or conduct further investigation with the developers, but he didn’t. So, I ended up leaving this negative feedback in public. Even though it’s a Plaid issue, I don’t care. Plaid’s issue is Copilot’s issue from end user perspective, and they need to fix it. Transaction dates are one of the critical data elements in finance, and I don’t appreciate the Copilot team undervaluing its importance. I hope they read this review and hope to fix this bug, regardless of whether it’s from Plaid or Copilot.

   fes3507 · 30 Aug 2026

3. 3/5Great Potential, Puzzling Deficiencies

   I run a sole proprietorship. For what I need, Copilot Money does mostly a great job. It lacks some functions, however, that I feel should be standard on any financial app. For instance, there is no way to export the results of a filtered search, INCLUDING BY DATE. If I want to see how much I’ve spent in a specific category YTD, there is no way to do that natively in CM. I have to export ALL my transactions, dating back to when I first started using the app, to a spreadsheet, then filter my searches there. This is particularly vexing at tax time. Other, less-pressing problems (for me) have to do with look-and-feel issues, and so are completely subjective. Navigating to text fields within the app has never felt intuitive. Year-end summary does not allow me to page to whichever category I want to see - I can only move forward-back one page at a time in the order Copilot has arranged for me. If you’re going to include a “feature,” fine, but design it in a way that anticipates users wanting to do more with it than just passively follow the directions onscreen. There was an issue with my PayPal account needing to be re-synced daily. This seems to have been fixed recently, but other accounts also lose sync occasionally. Again, for the price, this app is a solid choice for tracking and organizing finances. But it could be so much more if the designers made up their minds to do a better job of meeting the needs and expectations of their users.

   pheitsch · 30 Aug 2026

4. 3/5The Finance Monitoring Solution I’ve Been Seeking for Years

   I was never satisfied with other solutions over the years. They were too limited or too complex, buggy, and/or shared way too much about me in exchange for free access. With Copilot monitoring all my accounts, including investments, I’m finally feeling at home. However, one missing feature that I was shocked by is the inability to view, let alone manage rules that you create to automatically categorize and tag transactions. You have to contact support if you want to remove or change a rule! With rules being invisible once created, it’s difficult if not impossible to remember them all. That’s a huge gap in functionality. I may remove a star from my Copilot rating unless there’s progress on filling this gap soon. UPDATE: A year later and no communication whatsoever on the promised UI for editing or even viewing existing transaction name rules. Removing one star for every year Copilot Money developers fail to rectify this major shortcoming.

   shiningsee · 30 Aug 2026

5. 4/5Good for single people with simple finances

   The app basically tags your spending into different categories, and is good at it, but is light on keeping track of your budget vs actual spending. That isn’t to say it lacks those feature, but if you’re used to Quicken or Mint or any of the legacy budgeting apps, its budget analysis features are limited. If you’re single and have simple finances what they have is probably enough. The other thing that’s missing is support for joint accounts for couples to work together on shared expenses. The workaround requires two separate CoPilot subscriptions, one for her, and one for me, which is twice the work and twice the cost as we both end up having to categorize joint transactions. That being said, the functionality that is there works well once you get past some of the quirky UI behavior, and support does eventually get back to you.

   Michael Czeizperger · 30 Aug 2026

Privacy

Accessibility

No accessibility labels collected yet.