C

Copilot Money

Personal finance app tracking home equity

Overview

Copilot Money is a personal finance app that helps people manage their finances through a suite of tools such as connections management, real estate value tracking, and personalized financial insights. It works by connecting financial accounts and property data to monitor assets like home equity, track important relationships, and generate tailored recommendations. Users access premium features through a monthly subscription, with a free trial to try the service. Copilot differentiates itself with an intuitive, conversational interface and predictive models that translate financial data into clear insights and goals, making planning easier for both new and experienced investors. The company’s goal is to give individuals clearer visibility and control over their financial health, helping them set and achieve financial objectives and maintain proactive financial planning.

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About Copilot Money

Simplify's Rating
Why Copilot Money is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Data & AnalyticsConsumer SoftwareFintechFinancial Services

Company Size

11-50

Company Stage

Series A

Total Funding

$6M

Headquarters

New York City, New York

Founded

2019

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What believers are saying

  • Copilot raised $6 million Series A on October 3, 2026 to fund expansion.
  • The October 27, 2026 launch added daily briefings, refund matching, and budget rebalancing.
  • 9to5Mac’s November 2026 coverage highlights strong user appeal and a 4.8 App Store rating.

What critics are saying

  • Money Assistant is currently iOS only, leaving web, Mac, and Android behind.
  • Intuit’s Mint shutdown proved platform risk; Copilot must build retention before rivals copy features.
  • If subscription growth stalls, Copilot’s premium model collapses against free banking apps and broker tools.

What makes Copilot Money unique

  • Copilot Money’s Money Assistant shipped April 16, 2026 with proactive, contextual finance actions.
  • Its iOS-first assistant edits budgets, transactions, and recurring items directly in-chat.
  • Copilot emphasizes privacy: no ad model, no data selling, no third-party AI training.

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Funding

Total Funding

$6M

Below

Industry Average

Funded Over

1 Rounds

Series A funding typically happens when a startup has a product and some customers, and now needs funding to scale. This money is usually used to grow the team, expand marketing, and improve the product. Venture capital firms are frequently the main investors here.
Series A Funding Comparison
Below Average

Industry standards

$15M
$6M
$8.2M
$15M
$30M

Benefits

  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • 401(k) Retirement Plan
  • 401(k) Company Match
  • Home Office Stipend
  • Phone/Internet Stipend
  • Wellness Program
  • Paid Vacation
  • Unlimited Paid Time Off
  • PTO/vacation
  • Hybrid Work Options

Growth & Insights and Company News

6 month growth

2%

1 year growth

0%

2 year growth

0%
9to5Mac
Oct 27th, 2026
Copilot Money gets even better with new AI-powered Money Assistant.

Copilot Money gets even better with new AI-powered Money Assistant. Copilot Money, the award-winning personal finance app, is getting even better this week with the launch of Money Assistant: an AI financial agent built into every part of the app. It tells you what you need to know, makes changes for you, and answers anything about your money. Copilot Money is exclusively offering 9to5Mac readers an extended two-month free trial with code 9TO5MAC. Get started today by visiting the Copilot Money website. Copilot Money. We've covered Copilot Money before here at 9to5Mac. It's a beautifully designed app that syncs and connects with thousands of financial institutions, bringing together all your accounts, spending, savings goals, and investments. Copilot Money is available across iPhone, iPad, Mac, and web. Money Assistant is rolling out on iPhone, with more platforms coming soon. Money Assistant. Money Assistant works in the background so you don't have to. It can take actions on your behalf, like recategorizing a transaction or matching a refund, and it powers a daily briefing with a rundown of category fixes, matched refunds, and flagged charges. You'll also get personalized suggestions to keep your budget and categories accurate as your spending changes. You can also interact with the Money Assistant by chatting with it. You can start a conversation anywhere in the app, and it already knows what you mean. Ask it day-to-day questions about your spending habits, income, recurring charges, investments, and more. * Where should I cut back on spending? * How much have I spent on groceries vs. restaurants this year? * Can I cover next month's expenses? * What credit card should I use to book my hotel? * What made my Apple stock go up this week? Chatting with the Money Assistant is also great for big-picture questions like long-term savings goals, growing your net worth, managing income changes, and investment strategies. * Am I on track to retire in 10 years? * How can I pay down my student loans faster? * Make a plan so that I can buy a home next year. * How can I grow my net worth to $200K in two years? * Can I afford to move to New York City next month? Anytime you ask the Money Assistant a question, it bases its response on every aspect of your financial life in the Copilot Money app. You can iterate on your questions, ask follow-ups, and have the Money Assistant take action. From directly within a chat, you can edit categories, budgets, transactions, and recurrings. You can customize how the Money Assistant talks to you, and even choose a roast mode that provides brutally honest feedback on your finances. The Money Assistant also makes it easier to get started in Copilot Money. The onboarding flow is now guided by the Money Assistant, analyzing your data and surfacing insights as soon as you connect your accounts. It will even create a starting budget and pick categories most worth tracking right out of the gate. For many people, the setup process is one of the most intimidating aspects of creating a proper budgeting system. The Money Assistant in Copilot Money removes that barrier. Privacy. Privacy has also been a core tenet of Copilot Money, with no ads, no data selling, and no hidden partnerships. None of that is changing with the launch of the Money Assistant. Your data in Copilot Money isn't used to train third-party AI models, and your data stays yours completely - just as it always has. Try Copilot Money today. Copilot Money is used and trusted by multiple members of the 9to5Mac team, including Chance and Fernando. The app is also an Apple Editors' Choice app and an Apple Design Awards finalist, plus it has an App Store rating of 4.8 from more than 31k reviews. Copilot Money is exclusively offering 9to5Mac readers an extended two-month free trial with code 9TO5MAC. Get started today by visiting the Copilot Money website. FTC: We use income earning auto affiliate links. More. Past sponsors: -Microsoft -LG Display -Speck More info: https://9to5mac.com/partners/

FinTech Futures
Mar 22nd, 2024
ICYMI fintech funding round-up: Marco, Zone, Copilot, Flowpay and more

US budgeting app Copilot has landed $6 million in a Series A funding round led by VC Adjacent, aimed at fuelling the fintech's AI and product development ambitions.

TechCrunch
Mar 21st, 2024
Budgeting App Copilot Is Booming Now That Mint Is Dead, Leading To $6M Series A

Intuit is winding down budgeting app Mint this week and that’s become good news for competitor Copilot. Mint’s demise represents both the end of an era and proof that consumers want more from their finance app, founder Andres Ugarte told TechCrunch.The New York-based CEO started the subscription-based personal finance tracker in January 2020 to offer an alternative to Mint. Today, Copilot has over 100,000 subscribers with a majority of them coming into the app at least once a day. Others enter the app multiple times a week, with 20% of users being what Ugarte considers “heavy users,” using Copilot between five and 10 times a day.“That’s good for an app that is not a social network,” Ugarte said.Users also save an average of 5% after starting with the app, Copilot calculates. While that might not seem like a lot, Ugarte notes that for someone making $100,000, for example, that is $5,000 a year. Multiplied by 100,000 users, and the app is putting half a billion back into consumers’ wallets, he said.Beyond MintLike millions of others, Ugarte tried some personal finance apps, including Mint, yet found them to be lacking

PYMNTS
Mar 6th, 2024
Apple'S New Api Offers Users Peek At Balances

Apple has unveiled an application programming interface (API) enabling users to see their balances on their Apple finance products. Called FinanceKit, the API allows developers to fetch transactions and balance information from Apple Card, Apple Cash and Savings with Apple, TechCrunch reported Wednesday (March 6). Apple is partnering with personal finance management apps YNAB, Monarch and Copilot to roll out the API, according to the report

PYMNTS
Mar 6th, 2024
Apple’S New Api Offers Users Peek At Balances

Apple has unveiled an application programming interface (API) enabling users to see their balances on their Apple finance products. Called FinanceKit, the API allows developers to fetch transactions and balance information from Apple Card, Apple Cash and Savings with Apple, TechCrunch reported Wednesday (March 6). Apple is partnering with personal finance management apps YNAB, Monarch and Copilot to roll out the API, according to the report

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