Copilot Money is a personal finance application founded in 2020 by former Google engineer Andrés Ugarte. The app was created out of frustration with existing budgeting tools that lacked privacy, intelligence, and usability. Copilot delivers a seamless, ad-free experience that allows users to track spending, budgets, investments, and net worth across their financial accounts. It’s available on Mac, iPhone, and iPad, built natively using Apple frameworks to maximize performance and user experience.

Copilot differentiates itself through features like AI-powered categorization, real-time budget rebalancing, custom spending categories, and full control over transaction editing. After Mint shut down in early 2024, Copilot saw a significant surge in user growth, surpassing 100,000 subscribers. The company has prioritized data privacy, building trust among users by avoiding ad-based monetization and ensuring sensitive data is secure.

In March 2024, Copilot raised a $6 million Series A round led by Adjacent, aimed at further developing its product and scaling its infrastructure. With teams based in Tudor City, New York and Santiago, Chile, Copilot continues to grow its engineering and support teams to enhance the product and respond quickly to user feedback.

The company’s tech stack includes Swift, React, Node.js, and PostgreSQL, deployed on AWS infrastructure. Copilot integrates with platforms like Plaid to securely connect users’ financial accounts. The team remains focused on redefining personal finance with tools that are both intelligent and enjoyable to use.