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What is Copilot Money?

Copilot Money is a personal finance app for iPhone that uses artificial intelligence to track your spending automatically. It connects to your bank accounts and credit cards, then sorts transactions into categories without requiring manual entry. The app analyses your spending patterns to show you where your money goes, helping you spot trends and opportunities to cut costs. It's designed for people who want to understand their finances better without the administrative burden of logging expenses manually. The freemium model gives you access to basic tracking at no cost, with paid features available for deeper analysis and insights.

Key Features

Automatic transaction tracking

connects to bank and credit card accounts to capture spending in real time

Intelligent categorisation

AI sorts transactions into relevant categories with minimal manual work

Spending analysis

shows breakdowns of where money goes and trends over time

Budget tools

set spending limits and track progress against your targets

Custom alerts

receive notifications when you approach budget limits or spending in a category spikes

Pros & Cons

Advantages

  • Removes the friction of manual expense logging; transactions are captured automatically
  • AI categorisation is typically accurate and learns from corrections you make
  • Free tier lets you try the core features without paying
  • Mobile-first design means you can check your finances on the go

Limitations

  • iOS only; there is no Android version available
  • Bank connections depend on open banking availability in your country; some financial institutions may not be supported
  • Advanced analytics and insights may be limited in the free tier

Use Cases

Understanding monthly spending habits and identifying areas to reduce costs

Tracking progress against a budget across multiple spending categories

Spotting unusual transactions or spending spikes that warrant investigation

Sharing spending breakdowns with a partner or financial advisor

Monitoring subscriptions and recurring charges to find services you no longer use