Copilot
Copilot Money is a US-based consumer fintech company that offers an AI-powered personal finance app aggregating bank, investment, crypto, and real-estate accounts with automatic transaction categorization, available on iPhone, iPad, Mac, and Web via subscription.
- Company typePrivate
- Founded2020
- HeadquartersNew York, United States
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What Copilot does
Copilot Money, Inc. is a US-based, venture-backed consumer fintech company that operates an AI-powered personal finance application available on iPhone, iPad, Mac, and Web. Founded around 2019–2020 in Brooklyn, NY, the company serves individual consumers seeking a modern alternative to legacy personal finance tools (notably Mint, which Intuit shut down in October 2023), aggregating bank accounts, credit cards, investments, crypto, real estate, and subscriptions into a single dashboard. Its core product, Copilot Money, combines AI-driven automatic transaction categorization (Copilot Intelligence) with budgeting tools that include a rollover feature, real-time investment performance tracking, net worth and cash flow analysis, and anomaly detection for forgotten subscriptions. The company has layered on newer AI capabilities in 2026, including a proactive "Money Assistant" agent (beta, April 2026) and a Model Context Protocol (MCP) integration (beta, May 2026) that exposes read-only financial data to external AI tools such as Anthropic's Claude, OpenAI's ChatGPT, and Codex CLI.
The underlying technology stack runs on Google Cloud Platform, leveraging open-banking data aggregators (Plaid, Mastercard Data Connect, Finicity) plus direct OAuth integrations with financial institutions (Capital One, Coinbase, Apple Card via FinanceKit, Public) to provide account connectivity without storing user credentials. Copilot's business model is a pure subscription: $95/year (~$7.92/month) or $13/month, with a free trial preceding paid conversion, no advertising, and a single subscription covering all platforms. Distribution is product-led growth via App Store optimization, organic social media, a referral program offering free subscription months, and word-of-mouth from high-profile individual endorsers (most notably Marques Brownlee / MKBHD). The company has also launched a "Copilot for Employees" employer-benefit channel, opening a workplace financial wellness distribution path. Copilot has raised $6 million in a Series A led by Adjacent (with Pathlight Ventures participating) in March 2024 and operates with 11–50 employees. It has earned Apple Design Awards Finalist recognition (2024) plus Editor's Choice, Must-Have Finance Apps, and Apps We Love placements, and is led by CEO Andrés Ugarte.
Copilot firmographics
Firmographics- Name
- Copilot
- Legal name
- Copilot Money, Inc.
- Website
- https://copilot.money
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Copilot Money is a US-based consumer fintech company that offers an AI-powered personal finance app aggregating bank, investment, crypto, and real-estate accounts with automatic transaction categorization, available on iPhone, iPad, Mac, and Web via subscription.
- Ownership category
- akta.pro rank
Copilot industry classification
Industry- Product category
- Personal Finance Management Software
- NAICS
- Consumer Lending (522291)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Budgeting & Cash-Flow Management (FSAGADAA)
Keywords
Where Copilot is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Copilot business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations
Revenue model
- Subscription Revenue: Copilot Money operates on a subscription model, charging users either $95 per year (billed annually at $7.92/month) or $13 per month. Users can start with a free trial before committing to a subscription. No ads, no hidden fees. The subscription provides access to all platforms (iPhone, iPad, Mac, Web) simultaneously.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Annual subscription at $7.92/month ($95/year) |
| Subscription | Monthly | Monthly subscription at $13/month |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Copilot product offering
Product offeringCore offering
Copilot Money is a subscription-based personal finance application that automatically aggregates users' bank, credit, investment, crypto, and real estate accounts into a unified dashboard. It uses AI to auto-categorize transactions, manage budgets with rollovers, track net worth and cash flow, detect forgotten subscriptions, and surface insights via a proactive Money Assistant. The product is distributed as a cross-platform app on iPhone, iPad, Mac, and Web, primarily targeting US individual consumers.
Product overview
Copilot Money is a unified personal finance platform that combines AI-powered spending tracking, budgeting with rollover capabilities, investment monitoring, net worth calculation, and cash flow analysis into a single cross-platform application available on iPhone, iPad, Mac, and Web. The core Copilot Money app serves as the primary product, supplemented by the AI-powered Money Assistant for proactive financial guidance, MCP integration for connecting to external AI tools, Copilot Widgets for home screen access, Copilot Labs for experimental features like Amazon and Venmo integrations, and Copilot Intelligence as the underlying AI engine. Copilot also offers a workplace benefit program called Copilot for Employees for organizational subscriptions.
Differentiator
Problem solved
Functional benefit
Products and services
- Copilot Money AI-powered personal finance application that automatically aggregates users' bank, credit, investment, crypto, and real estate accounts; auto-categorizes transactions; manages budgets with rollover capability; tracks net worth and cash flow; detects subscriptions; and surfaces insights through a proactive Money Assistant. Sold as a subscription to individual consumers in the United States on iPhone, iPad, Mac, and Web.
- Copilot for Employees Employer benefit offering that allows organizations to provide Copilot Money subscriptions to their employees as a workplace financial wellness benefit. Sold B2B to HR and benefits decision-makers.
Quantifiable outcome
- AI learns spending patterns and tags every transaction automatically, improving accuracy with use
Companies that use Copilot
Customer profileNamed customers4 records
Segments1 record
Ideal customer profiles2 records
Copilot technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration15 records
AI capability8 records
Feature6 records
Copilot partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- PlaidcorePrimary data aggregation partner enabling secure connection to users' financial institutions. Plaid provides the underlying infrastructure for account linking and transaction data retrieval. Copilot does not see or store bank login credentials through this integration.
- Mastercard Data ConnectcoreOpen banking data partner working alongside Plaid to enable users to connect their financial accounts to Copilot Money. Provides secure financial data aggregation services.
- Google Cloud PlatformcoreInfrastructure provider powering Copilot's backend. GCP adheres to ISO/IEC 27001, 27017 and 27018, SOC 1/2/3, PCI DSS, and CSA STAR certifications. Used by leading financial companies worldwide.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Copilot competitors and assessment
Company assessmentDirect peers
- Monarch Money: Subscription-based personal finance management app founded by former Mint executives. Direct head-to-head competitor offering AI-powered transaction categorization, investment tracking, budgeting, and net worth features with a similar horizontal consumer focus and freemium pricing.
- Rocket Money: Subscription personal finance app (formerly Truebill) with subscription cancellation, budgeting, bill negotiation, and net worth tracking. Closest large-scale PFM competitor with overlapping consumer target and similar AI-driven categorization.
- YNAB (You Need A Budget): Subscription-based budgeting app using zero-based budgeting methodology. Direct competitor referenced by Copilot's own customer testimonials as a previously tried alternative, targeting the same tech-savvy consumer persona.
- Simplifi by Quicken: Subscription personal finance app from Quicken/Intuit targeting former Mint users with spending plans, investment tracking, and net worth views. Comparable feature set and pricing tier with established brand backing.
- Empower Personal Dashboard: Free personal finance and wealth management dashboard (formerly Personal Capital). Targets the same premium consumer segment with investment tracking, net worth, and retirement planning features, though with a stronger wealth advisory angle.
- PocketGuard: Personal finance app focused on budgeting, expense tracking, and bill negotiation. Direct competitor targeting the same consumer segment with freemium pricing and similar AI-driven categorization capabilities.
Broad incumbents
- Quicken (classic): Legacy desktop and subscription personal finance software with decades of installed base. Overlaps on budgeting, investment tracking, and net worth but represents a broader, more established portfolio including Simplifi and enterprise offerings.
- Credit Karma: Free personal finance platform that absorbed Mint's user base following Intuit's shutdown. Provides credit monitoring, budgeting, and product recommendations as part of a broader financial services marketplace owned by Intuit.
Emerging players
- Lunch Money: Modern personal finance and budgeting app emphasizing clean UI and flexible categorization. Comparable target market with overlapping feature set but smaller scale and more developer-focused positioning.
- Cleo: AI-powered personal finance assistant using conversational AI for budgeting, spending insights, and cash advances. Comparable AI-first positioning in the same consumer PFM category, particularly relevant as Copilot develops its Money Assistant feature.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Copilot social profiles
Digital presenceCopilot compliance and trust
Trust signalCompliance9 records
Copilot financial estimates
Financial estimateRevenue estimate
Valuation estimate
Copilot leadership team
Management profileNumber of profiles
Profiles2 records
Copilot funding detail
Funding detailFunding overview
Funding rounds3 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Copilot M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Copilot
What does Copilot do?
Copilot Money is a subscription-based personal finance application that automatically aggregates users' bank, credit, investment, crypto, and real estate accounts into a unified dashboard. It uses AI to auto-categorize transactions, manage budgets with rollovers, track net worth and cash flow, detect forgotten subscriptions, and surface insights via a proactive Money Assistant. The product is distributed as a cross-platform app on iPhone, iPad, Mac, and Web, primarily targeting US individual consumers.
Is Copilot a public or private company?
Copilot is a private company. It is classified as venture growth investor backed and is currently operating.
When was Copilot founded?
Copilot was founded in 2020. It employs 11 to 50 people.
Where is Copilot based?
Copilot is headquartered in New York, United States, in the North America region.
How does Copilot make money?
One revenue line is on record: subscription Revenue.
Who are Copilot's main competitors?
Direct peers on record are Monarch Money, Rocket Money, YNAB (You Need A Budget), Simplifi by Quicken, Empower Personal Dashboard and PocketGuard. Broad incumbents are Quicken (classic) and Credit Karma. Emerging players are Lunch Money and Cleo.
Does Copilot have an API?
Yes. Copilot has developed an MCP (Model Context Protocol) that is now available in beta. The MCP connects Copilot Money securely and directly to top AI tools, allowing users to get answers about their spending, budgets, and accounts without switching apps. It is read-only to start and tested for Claude, ChatGPT, and Codex CLI. Users can sign up for the beta waitlist at agent.copilot.money.
What industry is Copilot in?
Copilot's product category is Personal Finance Management Software. Its primary akta.pro industry code is FSAGADAA, Budgeting & Cash-Flow Management. Its NAICS code is 522291 and its SIC code is 6199.