Copilot.Money App: A Must-Have Budgeting Solution in 2023

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I compose a good deal about how to make income on the web, but what about how to maintain it?

As considerably as sector-major apps have dominated the monetary monitoring sector for many years, longevity and dominance are not usually the very best elements in figuring out the very best remedy for an app – specially in a group like finance.

Soon after currently being annoyed with budgeting apps like Mint, YNAB, and Pocketguard, I desired anything less complicated to use, visually interesting, and an app with in-depth customization.

Enter Copilot: a superbly developed monetary hub for your finances that lets you connect, customize, and conquer all of your accounts in 1 spot.

Copilot is a finance management device that assists you track your accounts, subscriptions, expenses, and net well worth. It has an very properly produced interface that helps make it straightforward to handle your income and see the place it is going.

The app also connects to your investment accounts and send you notifications when you get paid. It is a beneficial device for gaining manage of your income and strengthening your monetary arranging. Soon after employing it for a small in excess of two many years, I consider it is last but not least time for me to declare how considerably I definitely enjoy this app. Significantly. And no, I was not paid to say that.

Is Copilot Protected?

A single of the 1st issues I looked for was how safe the app was. I suggest you happen to be providing it entry to study your monetary information. What if this received exposed?

Nicely I did some digging to figure out how it performs.

Copilot utilizes 256-bit encryption to safeguard your information at rest and Transport Layer Protection (TLS) to safeguard it in transit. They do not keep your financial institution login both. They spouse with information aggregators like Plaid and Finicity which act as the middleman among your data and their app.

Important Attributes

With a bunch of valuable characteristics, Copilot can support you handle your income, track the place it is going, and recognize your extended-phrase trends. I will stroll you via it is major characteristics &amp what I like (and dislike) the most.

I will give my personal examples all through this but I am going to eliminate delicate monetary data so some numbers may well search funky.

Account Management

With an straightforward to see graph, you can see each and every account you’d like to track on 1 webpage. This contains checking, conserving, credit score cards, investment, loan accounts, and even Crypto wallets!

If the platform at the moment does not assistance automated monitoring of 1 of you monetary accounts, you can include it manually.

On this webpage you can see your assets and debts in graphs ranging from one week to one 12 months in the past. If you do not want to see your debt, you can hide it!

You can also include monetary accounts to your account webpage but disable them currently being extra or subtracted from your net well worth.

Investment Overview

If you happen to be an avid investor, this webpage will be great for you. Simply track your investment earnings or disappointing losses from a single webpage.

Yet again, you can see the final week or up to a 12 months based on preference. Include IRA, stock, and other investing accounts to this webpage for a much better knowing of your total net well worth.

Transaction Record

On the transaction webpage, you can see up to many years of background on a single webpage. As you commence to categorize each and every transaction into your budgeting classes (which we’ll go into later on), you will have almost everything populated on a single webpage.

You can search transactions if it is been a even though, or include them manually if they are external or finished in income. Filter by date, cost, group, and even account to get a granular see of your paying trends.

Copilot helps make it super straightforward to recognize and handle your finances with customized insights and automated transaction organization.

Budgeting &amp Classes

Remain on prime of your finances with Copilot’s budgeting attribute, which is tailored to your exclusive paying routines and contains automated detection of recurring expenses and subscriptions.

Price range Rollovers make it straightforward to track paying across a number of months and keep away from sudden costs. If you happen to be not someone who budgets, which is absolutely fine as well. Copilot permits you to customize and alter as essential, or just include transactions with no a spending budget if that performs much better for you.

  • Customize your spending budget classes to suit your requirements
  • Set up customized principles for categorizing transactions
  • Roll in excess of spending budget excesses on a per-group basis from month to month
  • Set up variable spending budget classes for distinct months
  • Swiftly alter and stability your spending budget classes as essential

Basic Dashboard

When you have tailored all these pages to your paying and budgeting routines, you can see an overview of it all on the dashboard. Truthfully this is my favourite webpage (and the 1 I examine the most).

The dashboard will present you a graph and spending budget line primarily based on how considerably you have set your target invest fee for that month. You are going to see how shut or far you are from your spending budget, and at what time of the month you exceeded expectations.

You are going to also see a overview of your finances from the final month, such as how considerably you produced and invested. This webpage more demonstrates you any recurring purchases that are coming up and the recent revenue you have produced this month.

When the month is in excess of, you will see your month in overview. This highlights how considerably you invested &amp on which classes you invested issues in. Valuable if you happen to be striving to analyze your personal routines.

Fairly Graphs

Every thing we have spoken about is displayed in rather graphs on each and every webpage of the app. Why would not you use an app with rather graphs?

Jokes aside, these interactive graphs support you speedily and simply recognize your total monetary circumstance. You can customize the selection of dates to see or include indicators this kind of as net well worth, income movement, cost savings fee, and much more.

graph display from desktop version of applicationgraph display from desktop version of application

Demo Mode

Copilot just lately extra a demo mode that lets you present sample monetary information. This is wonderful if you happen to be striving to present the app to pals, household, or you happen to be creating a overview about it.

When I 1st wrote this overview it was not a attribute but I talked about that it ought to be extra &amp it was a couple of months later on. Fairly amazing.

Some Missing Attributes

They are even now a reasonably new business and have a bit to function on prior to I would contemplate it closer to best. Some of these contain

Platform availability – At the moment Copilot is only accessible on iOS and macOS units, leaving out people on Android or Windows. Hopefully assistance will be extra in the close to potential since that helps make up a massive portion of people who could advantage from the app.

Connectivity problems – This does not take place as well typically, but some of my accounts will require to be reverified each and every couple of weeks for safety factors. It primarily occurs with Amex, but as soon as occurred with a Chase account. I have also had it take place with my Coinbase account. This is most likely the worst dilemma the app has.

Family Help – If you happen to be hunting to share budgeting data with a partner or spouse, Copilot does not at the moment supply any assistance for this. Becoming capable to contain accounts for a spouse and see them individually and collectively would be quite beneficial.

Who Ought to Use Copilot?

The wonderful information about Copilot is rather considerably anybody can advantage from it. From a current grad hunting to maintain tabs on their 1st task to a retiree managing a number of investments, Copilot type of just adapts to what you require.

The app is properly suited for people with exclusive paying routines or a number of sources of revenue. The customizable classes, spending budget rollover attribute, and interactive graphs make Copilot a wonderful device for anybody striving to consider manage of their income.

I will say it is a *tad* bit costly if you happen to be genuinely penny pinching– but I consider it is well worth it for what you get out of it.

How to Get Copilot?

At the moment Copilot is accessible on iOS and macOS. The desktop model has commenced to pilot to specified end users as of a couple of weeks in the past. With its crisp pc + telephone interface, Copilot is speedily turning into 1 of the go-to monetary apps for people hunting to get their income in buy.

How Considerably Does It Value

With pricing starting up at $eight.99 per month or $69.99 yearly (which comes out to a small beneath $six a month), Copilot is even now substantially less costly than mainstream budgeting apps.

Making use of the code PENGUIN will get you a one-month totally free trial, which let us you entry each and every attribute. It offers you much more than sufficient time to get the truly feel for it.

You can generate your personal code in the app and share it with pals/household to lengthen your premium subscription.

Copilot desktop app showing dashboard screenCopilot desktop app showing dashboard screen


There is not considerably else to say aside from you ought to absolutely examine out Copilot.

It is received a wonderful interface and a selection of characteristics to support you track your accounts, subscriptions, expenses, and net well worth, &amp connects to your investment accounts.

You can also set up notifications to discover out when you get paid. Yet again, just attempt it for a month, it is totally totally free. I received hooked and will be employing it except if anything even much better comes out! Satisfied budgeting! 🙂