Copilot Money

Copilot Money: the design-first Mint replacement

Copilot Money is a subscription personal-finance app that aggregates bank, card, investment, and crypto accounts, then applies machine learning ("Copilot Intelligence") to auto-categorize transactions, pace budgets, flag recurring charges, and track net worth. Founded in 2019 by ex-Google engineer Andrés Ugarte and launched in January 2020, it became one of the main destinations for displaced Mint users after Intuit shut Mint down in January 2024 — helped by a dedicated Mint data importer. There are no ads and the company states it does not sell user data; the subscription is the business model.

Long an Apple-ecosystem app (iPhone, iPad, Mac), Copilot added a web app in December 2025. Its categorization engine learns from each correction you make, which is the feature users cite most against rules-based competitors.

Key Features

• ML transaction categorization that learns from your corrections
• Budgets with rollover and a "spending line" pacing visualization
• Automatic detection of subscriptions and recurring charges
• Net-worth tracking across bank, brokerage, and crypto accounts, with real-estate values via Zillow
• Investment performance and asset-allocation views
• Mint data import and monthly cash-flow summaries

Ideal Use Case

A US-based ex-Mint or spreadsheet budgeter who wants tracking and insight without manual data entry — and cares about interface quality. After roughly a month of free trial, it costs $13/month or $95/year. YNAB devotees who want hands-on zero-based budgeting are the wrong audience; Copilot is automation-first.

How Copilot Money differentiates

Monarch Money went cross-platform and web-first; Copilot bet on native Apple polish and was a 2024 Apple Design Award finalist and Editor's Choice in Personal Finance. Against Rocket Money, it has no bill-negotiation upsells — just the subscription. Production credibility: a 4.8/5 App Store rating across 30k+ ratings, a $6M Series A led by Adjacent (February 2024) with angels including Scott Belsky and Mathilde Collin, and coverage from Wirecutter and The New York Times.

FAQ

How much does Copilot Money cost? $13/month or $95/year (about $7.92/month billed annually), with roughly a one-month free trial. There is no free tier and no ads.

Is Copilot Money on Android? No. As of mid-2026 it runs on iPhone, iPad, Mac, and the web app launched in December 2025 — but there is no native Android app.

Does Copilot Money work outside the US? Bank connections cover US institutions, so it is not practical for most non-US banks.

Can I import my Mint history? Yes — Copilot has a dedicated Mint CSV importer, which fueled its growth after Mint shut down.

tl;dr

Copilot Money is the polished, automation-first budgeting app for the Apple (and now web) crowd — ML categorization that actually improves, honest subscription economics, and the strongest design pedigree among Mint's successors.

Related

Looking for more options? Browse the Finance & Trading directory or read our best AI finance tools listicle. Copilot Money is also tracked on Crunchbase.