Simple and intuitive design, good framework for thinking about finances at both a monthly and long-term level, LOVE the widgets! The simple, articulate nature of Copilots system is amazing as I and my new wife work to get on the same page with spending and saving. Instead of conflicts and confusion, conversations about finances feel like a joy. Copilot allows us to have extremely high fidelity predictions of our monthly spending, allowing us to plan at a higher level. The only thing missing is long-term savings goals, with progress bars showing how you’re doing and rules for allocating saved income into them. It would ideally be account agnostic, so I can easily invest money saved towards a goal however I like.
The user interface Copilot has assembled is quite pleasing, at first. It organizes different aspect of budgeting and money management in ways that offer some help to users. It markets it self lately (March 2025) as the “Notion of Money Management” which implies that it offers a number of AI powered tools to assist users in managing their money. It does not. 1) Budgets (or “Categories”) Copilot claims that at first it will categorize your transactions as “Other” and then over time it will use “AI” to more accurately categorize and proactively label these transactions. This is as unimpressive as it gets, unless you’re dazzled by the software suggesting CVS and all pharmacy transactions be labeled “Medical”. Because of the fact that it initially labels almost every transaction as “Other” this budget category is artificially inflated, accounting for most of your spending until you dial it down manually. This is where I expected the “AI tools” to step in, automatically suggesting new category target amounts to being my budget inline with goals. It does not. 2) Rules For transactions you manually identify and label, Copilot offers you a screen to apply this label as a rule to all other transactions in this category. This is disappointing because the name of the transaction is cut off (on the phone screen) and you are not able to scroll left and right to ensure the transaction it suggests relabeling indeed fits. No matter, however, because if you see a transaction in the group which DOES NOT fit, Copilot does not offer you the ability to deselect or remove those transactions from the recategorization. It’s all or nothing. When I first signed up, I corresponded with support to confirm I was not somehow missing the “AI features”. So don’t fret if you also cannot find them. The best thing that this app has to offer is a widget that will allow you to see account balances from your various accounts. You can make individual widgets for each account you want to monitor closely from your home screen.
This app changed my life, seriously. As someone who couldn’t ever understand why I was always so strapped for money, Copilot gave me the visibility I needed to help me understand why that was happening, and set me up on a clear path to saving. I’m finally hitting my savings goals because of this app, and I couldn’t be happier.
Copilot: Track & Budget Money is a well-regarded personal finance app with a strong focus on user experience and automated categorization. It receives generally positive reviews, particularly regarding its intuitive design and ability to connect to a wide range of financial institutions. However, significant issues persist around performance (especially on the Mac app), connection reliability, and missing key features like savings goals, income categorization, and robust reporting. The paid subscription model is also a point of contention for some users, especially those who discover it only after onboarding. While many users praise the app's ability to provide a clear financial overview, recurring complaints about unaddressed bugs and slow feature development suggest a need for greater focus on stability and core functionality before expanding to new platforms or features.
Key Strengths: Beautiful UI/UX, strong account aggregation, automated categorization, helpful customer support (in some cases). Key Weaknesses: Performance issues (Mac app especially), connection reliability problems, lack of key features (savings goals, robust reporting, income categorization), subscription cost surprise, inconsistent customer support responsiveness. Overall Sentiment: Positive, but with significant frustration stemming from performance and missing features. Quantitative Metrics:
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Copilot: Track & Budget Money is a promising personal finance app with a strong foundation in user experience and automated categorization. However, to achieve its full potential, the development team needs to prioritize addressing performance issues, improving connection reliability, and implementing key missing features. By focusing on stability, core functionality, and user feedback, Copilot can solidify its position as a leading personal finance app and attract a wider audience. The key recommendation is to focus on the existing product, fix bugs, and address long-standing feature requests before expanding to new platforms or features.
Overall Recommendation: Address the high priority issues immediately, then focus on implementing the medium priority features. Clearly communicate the product roadmap to users.
https://apps.apple.com/us/app/copilot-track-budget-money/id1447330651?uo=2