Dispatch

Our approach to AI is simple: add it only where it’s useful, and never at the cost of your privacy or control. That’s why we’ve been thoughtful about how we bring AI to your finances. The new Money Assistant lets you ask questions about your finances right inside Copilot Money. Now, you can also securely link your data to the external AI tools you already use. Built on the Model Context Protocol (MCP), this connector enables you to ask about your money in Claude, ChatGPT, Cursor, and Codex CLI the same way you’d ask about anything else.

The connector can reference your accounts, transactions, budgets, Recurrings, investments, and tags, so you get answers without manually copying numbers between apps.

Read-only

The connector has read-only access for now. Your AI tool can’t move money, change your accounts, or edit anything in Copilot Money. It can only review your data and answer questions about it.

Secure from the start

The connection uses OAuth, the same login standard banks use. Your Copilot Money credentials are never shared with the AI tool. You approve the connection, and you can remove it at any time.

How to connect

Setup varies depending on the AI tool. Read our setup guide.

What’s next

We’re working to support more AI tools. If you have an AI tool you’d like to connect, you can express your interest here.

Earlier this year, we opened a beta for two new ways to put your financial data to work: the Money Assistant and the Copilot Money MCP. Today, both features are available to everyone.

Money Assistant (currently on iOS)

The Money Assistant is an AI agent built directly into Copilot Money. Your assistant works in the background to tidy up your transactions, notice when your spending changes, and line up suggestions on your Dashboard for you to approve. Learn more.

The assistant can take actions for you, like creating a new category or matching a refund. It checks with you before making any changes, and learns your priorities the more you use it.

You can also chat with the Money Assistant directly when you have a bigger question, like how to optimize your credit card usage or if you’re on track to retire. Ask for a visual and get a chart that illustrates your answer. Give it more context for your life and it will remember.

We also rebuilt the onboarding experience around the assistant, so new users get personalized insights and a starting budget the moment they connect their accounts.

To get started, update the app on your iPhone and turn on the Money Assistant from your Dashboard. More platforms are coming next. Learn more in our Help Center.

The Money Assistant offers suggestions and information, not financial advice.

MCP

The MCP securely connects your Copilot Money account to AI tools like Claude and ChatGPT. Once connected, you can ask about your spending, budgets, and accounts like you’d ask about anything else. Learn more in our Help Center.

The latest release adds running totals to Transactions on iOS and ships a round of polish across apps.

New

iOS

Search or filter in the Transactions tab to see a running total of your results. This includes total spent, total income, and net between the two. Multi-select totals are coming up next.

macOS

The Categories tab now uses the same colors across progress bars and charts so it’s easier to match a category to its spending at a glance.

Improvements

• Selling a full position in Investments now closes it out completely.
• Rollovers are faster across platforms and update smoothly when a category is removed or an account’s Dashboard status changes.
• In Recurrings, the “Set to any day of the month” button no longer overlaps the transaction list.
• Custom emojis and edits now appear instantly in Recurrings.

Over the past month, we’ve been focused on performance improvements across all platforms. The team has also been hard at work continuing to develop the Money Assistant.

Improvements

iOS

Rollovers compute much faster and amounts stay accurate instead of going stale after changes. Recurring transactions also update quicker, so your edits take effect right away.

Web

Speed improvements have landed on the web platform so pages load and respond faster. Numbers are now consistent across platforms, so what you see on web matches iOS, iPadOS, and macOS.

Money Assistant (in beta)

The Money Assistant can create, update, and delete categories, budgets, transactions, recurring transactions, and rules. It surfaces proactive suggestions on its own, like category recommendations and budget tweaks, and you can dismiss, approve, or dig into any suggestion further. In addition, charts now appear right in conversation to help bring those suggestions and insights to life.

The launcher also includes context, giving the assistant a better sense of what you’re looking at when you start a conversation. Plus, you can fine-tune the assistant’s features from Settings.

MCP (in beta)

The list of what our MCP can reference has expanded to include categories, transactions, monthly spend and income, recurrings, and tags. If you have beta access, you can get answers about your budgets and accounts right in your favorite AI tool, without switching apps.

We rebuilt split transactions from the ground up for the Web app.

Split a transaction equally to divide the amount automatically, or customize the split by dollar amount or percentage. Shortcuts make it easy to split into multiple transactions, or quickly spread a transaction across 3, 6, or 12 months. The new split icon makes it easy to see which transactions have been divided, and the original un-split amount is always on record so you have the full picture.

A new split experience, now on Web. The classic split transaction experience is available on iOS, macOS, and iPadOS. Learn more.

Managing money well is a constant job, and life doesn’t stop to let you do it. Meet: your personal money assistant — a proactive sidekick that keeps an eye on your finances, connects the dots, and surfaces what matters — before you have to go looking for it. It goes beyond chat, something closer to having a financially sharp friend who never stops paying attention.

We’ve been thoughtful about how this fits into the app you know and love, designed to feel like it’s a natural extension of the Copilot Money experience. It’s working for you, from speaking in the tone you prefer to checking for approval before any edits. Nothing happens without your say-so. Learn more.

If you want to be among the first to try it and help shape where it goes, sign up for the beta waitlist.

We’re excited to launch a brand-new feature designed to give you deeper financial insights. The Cash Flow section lets you compare your income, spending, and net income over various time frames. Dive into new charts to see how your financial habits stack up month-to-month or even week-to-week.

We’ve added the option to add your excluded transactions to your total spend amount for a better view of your actual spend for cash flow purposes.

Also in 4.4.0, if you have a Public account you can now track it on Copilot! We’re excited to announce that we’ve worked with Public on a direct integration that gives you close to real-time updates on your portfolio.

You can now create related transaction rules on our Mac app. These rules were previously available only on our iOS app, so now you can create both name rules and related transactions rules on both of our apps. Additionally, when creating a related transaction rule, we now show you a preview of all affected transactions and allow you to confirm the rule creation. This previewing capability was previously only available for name rule creation. This removes the possibility of accidentally changing a large number of transactions in Copilot so that you create the correct rules and automate more of your transaction tracking process going forward.