◆ Lumis Finance

Copilot Money

Copilot Money, Inc.

Apple-platform personal finance app focused on automated transaction categorization and a polished UI. Subscription only; iOS, iPadOS, and macOS.

Last updated: May 3, 2026

Official site

Best for

  • Apple-ecosystem users who want a native experience
  • Users who prefer automated categorization over manual envelope tracking
  • Users replacing Mint with a more design-forward dashboard

Not ideal for

  • Android users
  • Strict envelope/zero-based budgeters
  • Users who want a free tier

Pricing

Verified Paid only

$7.92/month · $95/year

$95/year (effective $7.92/month when billed annually); higher monthly rate when not on the annual plan. Free trial offered before connecting accounts; exact trial length not visible on the homepage.

Platforms

Web Yes
iOS Yes
Android No
Desktop Yes

Features

Bank sync Yes
Plaid support Unknown
Manual transactions Yes
Envelope budgeting No
Zero-based budgeting No
Couples / shared budget Unknown
Google Sheets integration No
CSV import Unknown
CSV export Unknown
Recurring transactions Yes
Bill calendar Unknown
Net worth tracking Yes

Privacy

Verified Does not sell user data

Transaction history is stored on Copilot's servers. The privacy policy explicitly states Copilot does not share Financial Information with third parties for marketing, joint marketing, or so they can market to the user. Whether categorization runs in the cloud or on-device is not specified in the policy.

Direct quote: 'We do not share Financial Information... with (1) other companies for joint marketing purposes; or (2) any third parties so they can market to you.' Export and deletion mechanics not yet verified.

Pros

  • Polished native Apple-platform experience
  • Strong automated categorization
  • Net worth tracking included

Cons

  • iOS and macOS only
  • Not envelope-based
  • No permanent free tier

Compared head-to-head

  • Monarch Money vs Copilot Money — Monarch vs Copilot: both are polished post-Mint personal finance dashboards. Monarch is cross-platform and household-oriented; Copilot is Apple-only with strong native UX.

Featured in

Alternatives

  • Monarch Money — All-in-one personal finance app focused on net worth tracking, account aggregation, and household budgeting. Web and mobile, with a household plan that includes partner access.
  • YNAB (You Need A Budget) — Subscription envelope-budgeting app built around the zero-based method. Web-first with iOS and Android companions. Mature ecosystem and large community; no permanent free tier.
  • Okane Budgeting — Mobile envelope budgeting app whose backing store is a Google Sheet on the user's own Drive. Free tier with unlimited envelopes; $5/month Premium adds Plaid bank sync and on-device AI categorization.
  • Quicken Simplifi — Quicken's modern subscription-based personal finance app. Web and mobile, with a focus on cash-flow planning, watch lists, and recurring bills.

Sources

  1. Copilot Money homepage — Copilot Money. Accessed May 2, 2026.
  2. Copilot Money privacy policy — Copilot Money. Accessed May 3, 2026.