The finance app that coordinates your spending, saving, and investing, and sets you up for what comes next.
Apple Design Awards Finalist 
iPhone, Mac, iPad, and Web 
4.8 stars, 31,000+ ratings 
I recommend shifting your food budget.
You’ve been spending more on Restaurants and less on Groceries the past 3 months.
$110 over
$183 left
Proactive, intelligent, and built for you.
Transactions
Bank data often arrives messy: wrong transaction categories, unmatched refunds. Your money assistant cleans it all up for you.
Transaction fixes 2 transactions could use a quick fix.
Instructions
Give your money assistant tasks, like tagging transactions for a trip. They’ll continue to run in the background.
Going on vacation to Chile Oct 1-10. Can you tag my expenses as Chile 2026?
I’ll set up an instruction. How does this look?
New instruction 
Chile 2026 until Oct 10 Suggestions
Your money assistant notices when your spending shifts, and suggests changes to keep your budget up to date.
You've been taking the train recently. Gas is down $190 a month, Transit is up $95.
Gas 
Transit Here is the change I suggest. Your total budget will decrease by $130.
Budget suggestions
$50 
$120 
Conversations
Because your money assistant sees your whole financial picture, it can talk through scenarios and weigh decisions with you.
I've got about $12,000 sitting in checking. Anything I should know?
That's $9,000 above your usual buffer, and you have $4,500 of IRA room left this year.
If you contribute $4,500 more every year, you could reach $1M by 67 instead of 71.
Context
Tap the Copilot button from any transaction, account, or category to ask about it. What’s this charge? Why did my bill increase?
Con Edison
$214.71
Category
🔌Bills
Apple Card 
Explain the increase Money is personal. Choose the voice that fits you.
Assistant: Dining went over, but your overall budget is still in good shape.
Track spending, budgets, investments, net worth, and more.
Share Copilot with a partner for a complete picture of your money.
Have up to 3 people on your account. They get full access to Copilot at no extra cost.
View personal and joint accounts side-by-side to track your combined net worth.
See who spent what at a glance, so you can focus on decisions, not details.
Small but mighty features keep your money running smoothly.
Get your first budget based on your real spending.
Your money assistant never acts without your approval.
Make every category your own with colors and emojis.
Compare your holdings against the market.
Alerts for low balances, big expenses, and more.
See what each Amazon charge was for.
All your Venmo transactions, with the name and the note.
Apple Card and Savings updated in real time.
Support from a real person, right in the app.
We never sell your financial data, train external AI models on it, or show you ads. You pay for Copilot Money, that’s our business model. Learn more.
Here’s what App Store reviewers say about Copilot.
I enjoy the customization, stellar interface, and it’s great. Perfect, no notes.
CleverwaysJan 2026
If you are struggling with finances: Get this app and start tracking. I’ve used it for over a year, and put away $20000 because of good habits enabled by this tool.
Cindy RawNov 2025
I love everything about this app. The visualizations, the automatic categorization of expenses, and now with the new AI assistant, the great advice on improvements I can make to my budget/spending. Highly recommend!
JuellMAug 2026
So many apps try to do too much. I just want to review my transactions, keep an eye on my investments, and be alerted if anything is off. The tagging system and change alerts of Copilot are great. And the apps are clean and modern, a joy to use.
Od. PSep 2026
Especially with one of us newly retired (me) and needing to closely monitor our burn rate, my spouse and I have become addicted to Copilot. It is an exceptionally well executed personal finance app!
gvmo94Nov 2025
My husband and I use this app and it helps us stay so organized when it comes to financial planning and monthly budgeting. It has really helped us get on the same page and is the best tool for our monthly money reviews!
MEL GfitFeb 2026
Love it! Gets better each update. I’ve been using it for 3 or 4 years I think. It’s a HUGE difference in how we used to track our shared finances as a household.
HannahEleanorOct 2026
This app completely changed for the better the way my family budgets. It is such an intuitive app and makes it so easy to keep track of a number of accounts and cards at once
B.A. SykesMay 2026
I am not a rich man so I have to monitor my family’s spending. This does a PERFECT job in helping me know where we are spending our money and how much we can spend. Thank you, Copilot.
sedimentsMay 2026
I’m a cfo. I’ve tried every app to make my personal finances clear and simple to track. I have a rental property business as well. Copilot makes it all so easy and clear. It’s the best I’ve ever used for personal financial budgeting and tracking.
Bri48966Aug 2026
I think we had an excel spreadsheet, pouring over countless lines of expenses and various apps to check balances. Copilot honestly makes managing funds a lot easier. What used to be hours of review now is done in minutes in bed on a random Saturday morning.
jzriotMay 2026
Highly recommend this app - gorgeous design, Birds Eye views + deep dives, and having the ability to track manual/offline accounts is helpful. Subscriptions are worth it - no shady data selling.
DoggiedogquesoMay 2026
I’ve tried many budgeting apps over the years, and this is by far the best. Super simple UI, AI functionality, and sophisticated categories and tagging. Amazing!
Tyler NeillMay 2026
Absolutely fantastic budgeting app. Super clear, intuitive, syncs with Apple Card, nice layout. Everything I wanted in a budgeting app.
KeldonatorMay 2026
Copilot is just a delight to use. Makes me check my money status far more frequently.
KenvererMay 2026
I have been using Copilot to track our small business expenses and it is a total game changer. The app is easy, intuitive and so incredibly helpful. Categorizing bsns expenses throughout the year will make filing my taxes a breeze. Highly recommend.
vickik4Dec 2025
“What’s on my Phone 2026!”
Marques Brownlee
@mkbhd
I enjoy the customization, stellar interface, and it’s great. Perfect, no notes.
CleverwaysJan 2026
I am not a rich man so I have to monitor my family’s spending. This does a PERFECT job in helping me know where we are spending our money and how much we can spend. Thank you, Copilot.
sedimentsMay 2026
If you are struggling with finances: Get this app and start tracking. I’ve used it for over a year, and put away $20000 because of good habits enabled by this tool.
Cindy RawNov 2025
I’m a cfo. I’ve tried every app to make my personal finances clear and simple to track. I have a rental property business as well. Copilot makes it all so easy and clear. It’s the best I’ve ever used for personal financial budgeting and tracking.
Bri48966Aug 2026
I love everything about this app. The visualizations, the automatic categorization of expenses, and now with the new AI assistant, the great advice on improvements I can make to my budget/spending. Highly recommend!
JuellMAug 2026
I think we had an excel spreadsheet, pouring over countless lines of expenses and various apps to check balances. Copilot honestly makes managing funds a lot easier. What used to be hours of review now is done in minutes in bed on a random Saturday morning.
jzriotMay 2026
As featured in
No tiers, no add-ons, no AI credits. Everyone gets the full Copilot Money experience.
$9
per month
$109 billed yearly, instead of $119.
