Copilot
Copilot is a highly-rated personal finance app praised for its intuitive interface and comprehensive budgeting tools, but recent updates have introduced significant bugs, syncing issues, and persistent review prompts, leading to user frustration and a noticeable dip in recent sentiment.
Copilot is a personal finance app designed for tracking expenses, budgeting, and managing investments across various accounts. Users appreciate its clean design, robust categorization, and ability to provide a holistic view of finances. However, recent reviews highlight critical issues such as app crashes, persistent syncing problems with financial institutions, and a perceived lack of new feature development for its premium price.
What users like
- Effective for comprehensive money tracking and budgeting, offering a clear overview of finances across multiple accounts.R7R13R30R39
- User-friendly interface and intuitive design make it easy to set up and manage finances.R12R22R28R39
- Good customer support is available via in-app chat for resolving issues.R19R26R29R39
- Supports integration with Apple Card, Apple Cash, and Apple Savings, a feature not common in other apps.R59R121
What users complain about
- Recent updates have caused the app to crash on opening or freeze, making it unusable for many.R15R23R25R33
- Frequent and persistent syncing issues with various financial institutions, leading to incorrect balances, duplicate transactions, or missing data.R5R8R10R16
- The app is perceived as expensive ($95-100/year) given its current issues and slow pace of feature development.R1R18R27R31
- Lack of essential features like transaction matching, robust reporting, export options, and support for certain financial institutions.R4R9R10R14
- Users are annoyed by persistent in-app prompts to leave reviews.R62R75R78R83
- Customer support is often criticized for being slow, unhelpful, or relying on an ineffective chatbot.R5R8R17R18
Latest update · v8.2.6
What the developer says changed (the verdict above weighs this against what reviewers report):
In this release: • Fixed: A few minor bug fixes and improvements.
Recurring themes
Who it's for
Copilot is for iOS users who want a visually appealing and intuitive app to track all their financial transactions, set budgets, and manage investments in one place R7R13R22R30. It's particularly useful for those who appreciate a native iOS experience and need detailed categorization and forecasting R6. It could also suit couples looking to manage shared finances R13.
Evidence note: The recent reviews show a strong negative trend, particularly regarding app stability and syncing issues, which contradicts the lifetime rating. While many positive reviews praise the app's core functionality and design, these often predate the recent update issues. The developer's notes are vague ('minor bug fixes') and directly contradicted by user reports of major crashes and persistent bugs. Evidence for specific feature gaps is also strong and consistent.
Frequently asked
How much does Copilot cost?
Does Copilot support all banks and financial institutions?
Are there issues with Copilot's latest update?
What reviewers actually said
Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.
- [R7] Amazing personal finance tracker!: I’ve been using this app for almost a year now and love it. It makes it super easy to see all of my transactions across credit cards, Venmo, and investment accounts in one spot and I love being able to categorize transactions and set a budget for each category. One additional feature I would really like to see my save rate on the cash flow page. I can do some m
- [R13] Amazing App: I use this app along with my husband to track all of our expenses and better budget. It’s great for goal setting and planning ahead. It also helps to handle any transactions we’ve let slip through the cracks. Definitely recommend for anyone who wants a better handle of their finances and setting budgets you can stick to.
- [R30] Excellent Feedback: This is a near perfect budgeting app. Worth the price point to pay for service. I’ve finally actually balanced a budget for myself with a few months data going forward I’m very proud of. Couldn’t do this by myself with all my excel spreadsheets. The one stop shop to check on my accounts is great too. Very fun to watch. And the Widget!!! To the see live how I’m doing on my spend
- [R39] Clean design, easy to use, powerful: Indispensable. This is one of my top 3 apps. I’ve never budgeted before but Copilot makes it easy. I finally have complete visibility into my finances in a way that Mint or others could never provide. Support is also fantastic.
- [R12] Simplifies Money Management: Intuitive Set up and all the features needed. Ive tried MANY money management tools and as a former user design & support contact, I’m aware of how difficult it is to program something complex yet make it work seamlessly for all user levels. If the app stays this reliable and safe, I’m a customer for life.
- [R22] Best Budget App: After spending 8 years using Mint, then about 5 years using Personal Capital (Empower), I came across this gem! Best budget app I’ve used yet - extremely polished mobile app, and it has everything you need - accounts history, categories, tags, syncs very well with most banks, custom goals. It’s well worth the $95/year! Kudos to the developers as well for creating an easy to use UI
- [R28] Amazing app: There’s nothing better to track your finances. Highly recommend
- [R19] Great app: Responsive app support after resolving a bug.
- [R26] Great customer support!: Great ui, website is excellent too, and whenever there are problems, the built in chat support has always been prompt and helpful
- [R29] Flexible and Customizable: This has been a solid app with great support. I like being able to tailor it more closely to my needs.
- [R59] Love it!: Absolutely fantastic budgeting app. Super clear, intuitive, syncs with Apple Card, nice layout. Everything I wanted in a budgeting app.
- [R121] Losing the Edge: It started off well. A year ago, it was virtually the only app that had integration with the Apple finance ecosystem (Apple Card, Apple $, Apple Savings). Today, there are other options that achieve the same goal. My biggest complaint has been the integrations - they constantly break and I spent more time authorizing my accounts to sync than actually assessing my financial positio
- [R15] Crashes on opening: Used to work okay but now I can’t even open it.
- [R23] Latest update crashes: Don’t download the latest update, the app now crashes on opening. No way to contact support besides the in-app chat… which is inaccessible when the app won’t load
- [R25] remove update: i updated and now it keeps crashing please undo
- [R33] DO NOT DOWNLOAD/ UPDATE LATEST RELEASE: The latest release of this app is broken as of 06-11-2026. I am trying to open the app after I updated it yesterday, and I am staring at a blank screen with a blue logo in the middle. Tried deleting and reinstalling it, same thing. There is no way to reach customer support for this app. Wish I had moved to Monarch instead of paying the heavy subscription and
- [R5] Many syncing issues: I have been using this app since late last year. Still, there are various syncing issues consistently. For example, the current one is that the transactions of my bank accounts from jan to April are not showing which distorts my finance picture significantly. Also, when I reached out for customer service (only chat box available no call) has been slow and quite often cannot so
- [R8] Seeing bugs but no solutions for a long time: The app has terrible issues where my reviewed transactions are lost and having trouble connecting to Fidelity. The customer service team is unprofessional and providing no support or remedition.
- [R10] Decent app but no transaction matching?: I thought the app was pretty good, but it lacked a very basic but essential feature - transaction matching. Huge deal breaker for me! I wasn’t about to sit there and delete duplicate transactions every week. What a nightmare! To be honest, I was about to cancel my Quicken subscription, but quickly realized that Copilot Money fell short. It’s really too bad
- [R16] Good not great: Used to be a great tool when I first started using it. Recently it hasn’t been updating my checking and credit card balances. When reverifying credentials it bugged out and added my accounts again. This skewed my data and gave me a headache. Having to delete and start from scratch.
- [R1] It’s a trap: So, it makes you add all your accounts, including giving them access to your account NUMBERS, and THEN they offer the pricing tiers. So annoyed I wasted the time to set it up. Show the prices first. Or offer some sort of free option to try it out. Account deleted. 👋
- [R18] Expensive and doesn’t work: They deleted my last review, but for $95 a year the app should actually work 100% of the time. Accounts constantly need reconnection. Their ai support agent hallucinates and I haven’t been able to get in touch with a real person. I will be looking for alternatives.
- [R27] Good, but feels like they gave up: Mostly good, but slow to implement basic features. It feels like they did a sprint to launch and stopped improving it. Disappointed given the premium price point.
- [R31] Only get if you like it as-is: New “features” are developed at a snails pace. They also took away the ability to see and vote on what features we (users) want to see in the app. No way to see the status of bugs and feedback or updates on concerns is nonexistent. 95$ a year is way too expensive for an app that is not improving at all and wishes it is as great as Mint once was.
- [R4] Unable to connect to Robinhood: Can’t connect to Robinhood after update
- [R9] Can’t categorize manual entries: Not being able to add categories to manual entries is nonsense. Can’t get accurate view.
- [R14] Honest Review: The app is great, but lacks certain important automation features.
- [R62] Stop making me type a review: 5 star app except it keeps making me type a review which I don't typically do. It's asked me at least a dozen times in the last couple weeks for a review
- [R75] Fix the daily review problem: The app is great. But every day I get a request to submit a review. That’s why I’m giving it one star.
- [R78] Rating Message every day: Love the app, but I receive the “Write a Review” message seemingly every day. Dropped my rating solely for this reason.
- [R83] App won’t stop asking me for reviews: I’ve used copilot for years. I’m happy with it, but I’m annoyed at the persistent review requests. Every time I open the app I get a pop up to write a review.
- [R17] Wonderful Portfolio Manager but....: I've thoroughly enjoyed using this app to help manage my finances. It has help find missed recurring payments, understand where my money is spent as well as a plethora of other benefits. Issues with this is in the integrations with financial institutions and very importantly, support when something isn't going as planned. In the last year of using the app, I
- [R2] This app did not work well: I was able to login one time and never able to login again and have not been able to delete from my information from this app
- [R6] Mostly love, sometimes glitchy: Love that it’s a native iOS app and not another web-based money app. It’s not really a budgeting app in the strict zero-based-budgeting way but it’s more of a money tracking and forecasting method of budgeting app. Great for conveniently searching up prior purchases and keeping tabs on where my money went but sometimes it double counts certain transactions and that
- [R24] Need to be able to tracks expenses out of brokerage accounts: I moved some of my transactions to come out of my brokerage account and copilot does not track those. The only work around is to manually track which I don’t want to do. It works fine on pretty much everything else (like credit cards, normal bank account) but this is a deal breaker for me. I won’t renew my membership if this doesn’t g
- [R42] Relies too much on Plaid services: Started a yearly subscription in the beginning of 2026. Halfway through, my accounts stopped syncing and ruined all the tracking of my investments, categories, and cash flow. And they blamed it on Plaid, the company they used to track your accounts. Shouldn’t build an app that relies heavily on another company that they can’t control. Tried to get a refund, but s
- [R32] The app crashed on my iPad.: I downloaded the app on my iPad, paid for the yearly subscription and I couldn’t move further from there . The app keeps asking me to subscribe when I tap the subscribe tab it says that I already have a subscription. I tried restoring the purchase, uninstalling and re installing the app with absolutely no success. Getting help from customer support is a waste of time b
- [R74] Fraud: They are not able to synch my credit cards correctly. Their support is working on a solution for over 2 months now and it gets just worse. Still don’t see my individual credit payments, the balances are not correct, some accounts are shown multiple times (and balances are included in the analysis) and some days it shows plenty of additional loans that don’t exist. Meaning that all numbers a
- [R101] Stealing from Disabled person: I literally have no idea what this app is. I’m disabled and have no use for a budgeting app that cost $100 but they took out of my bank account when I request requested a refund for an app that the meditate is going to show that I’ve never used. They refused to give me my refund. It’s insane because I would never download a budgeting app when you live on $600 a month
Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store