What is Copilot Money?
Copilot Money is a personal finance app whose AI categorizes transactions and tracks budgets, investments and net worth on iPhone, Mac and web. It became one of the most recommended Mint replacements after Intuit shut Mint down in 2024, and it has been an Apple Design Awards finalist and an App Store Editor's Choice.
Copilot connects to your bank, card and investment accounts and learns how you label spending, so categorization gets more accurate over time. Beyond budgets it shows cash flow, recurring subscriptions, investment performance and home value through Zillow. It has no ads and does not sell data, which is why people who disliked ad-supported budgeting apps often choose it. It suits Apple users who want a polished, low-effort view of their money. It also handles shared finances, letting you review and recategorize transactions in a clean feed.
Main Features
- Categorizes transactions automatically and learns from your edits.
- Builds monthly budgets that adjust to your spending patterns.
- Tracks cash flow across all linked accounts.
- Detects recurring charges and subscriptions.
- Monitors investment performance and allocation.
- Tracks net worth, including home value through Zillow.
- Syncs across iPhone, iPad, Mac and the web.
How to Get Started with Copilot Money
- Download Copilot Money on iPhone or Mac, or open the web app.
- Start the one-month free trial.
- Link your bank, credit card and investment accounts.
- Review the suggested categories and set monthly budgets.
Copilot Money Pricing
Copilot Money offers a one-month free trial. After that it costs $95 per year, about $7.92 per month, with no ads or extra fees. There is no free plan.
Who Should Use It?
- Former Mint users looking for a replacement.
- iPhone and Mac users who want a polished finance app.
- Couples and individuals tracking monthly budgets.
- Investors who want net worth and portfolio in one view.
- People who want to find and cancel forgotten subscriptions.
Copilot Money Alternatives
- Cleo: chatty AI money assistant with a free tier
- Origin: adds financial planning and advisors
- Intuit Assist: AI help inside Intuit's finance products
Frequently Asked Questions
Is Copilot Money free?
No. Copilot Money has a one-month free trial, then costs $95 per year.
Does Copilot Money work on Android?
No. Copilot Money is available on iPhone, iPad, Mac and the web, but not as an Android app.
Is Copilot Money a good Mint replacement?
Yes. Many former Mint users moved to Copilot Money for its automatic categorization, budgets and net worth tracking, though it is paid while Mint was free.
Is Copilot Money safe?
Yes. Copilot Money is ad-free, says it does not sell your data, and connects to banks through established aggregation providers.