Money app Copilot adds an AI helper that fixes your budget for you

Copilot Money, a personal finance app, is launching an AI helper called Money Assistant. It does more than answer questions. It can change things in your budget on its own, like recategorizing a charge or matching a refund to the purchase it belongs to. It is rolling out first on iPhone.

What it does

Copilot Money pulls your bank accounts, spending, savings goals and investments into one place. Money Assistant works in the background on top of that. It can take actions for you and builds a daily briefing. The briefing lists category fixes it made, refunds it matched and charges it flagged. It also suggests ways to keep your budget and categories accurate as your spending changes.

Chat and roast mode

You can also talk to it. A chat can start from anywhere in the app, and it draws on everything Copilot knows about your money. Ask about spending habits, income or recurring charges. Or try bigger questions, like long-term savings goals and how to handle a change in income.

From inside the chat, you can edit categories, budgets, transactions and recurring payments. You can set how the assistant talks to you. There is even a roast mode that gives brutally honest feedback on your finances.

Easier setup

New users get help from the assistant too. After you connect your accounts, it looks at your data and points out insights right away. It creates a starting budget and picks the categories most worth tracking. For many people, setup is the most intimidating part of budgeting, and this is meant to remove that barrier.

Privacy and what to check

Copilot says it has no ads, no data selling and no hidden partnerships, and that this does not change with the assistant. It also says your data is not used to train third-party AI models. The company points readers to its website for details on privacy and security.

Because the assistant can edit your records, it makes sense to glance over its changes now and then. The source does not say whether changes can be undone, or what the app costs after the trial. The original article is also labeled as a sponsored post.

Who it is for and how to try it

Copilot Money works on iPhone, iPad, Mac and the web. Money Assistant is on iPhone for now, with more platforms coming soon, but no dates were given. Readers of 9to5Mac, the Apple news site that published the story, can get an extended two-month free trial with the code 9TO5MAC.