Copilot Money launches AI financial agent Money Assistant
The personal finance app Copilot Money has launched a built-in AI financial agent, Money Assistant, which can automatically recategorize transactions, match refunds, and generate daily briefings, and can also answer questions via chat from anywhere within the app. The feature is launching first on iPhone and will later expand to more platforms; the company says user data will not be used to train third-party AI models. Copilot Money is available on iPhone, iPad, Mac, and the web, with an App Store rating of 4.8 (over 31,000 reviews).
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Copilot Money, the award-winning personal finance app, is getting even better this week with the launch of Money Assistant: an AI financial agent built into every part of the app. It tells you what you need to know, makes changes for you, and answers anything about your money.
Copilot Money
We’ve covered Copilot Money before here at 9to5Mac. It’s a beautifully designed app that syncs and connects with thousands of financial institutions, bringing together all your accounts, spending, savings goals, and investments.
Copilot Money is available across iPhone, iPad, Mac, and web. Money Assistant is rolling out on iPhone, with more platforms coming soon.
Money Assistant
Money Assistant works in the background so you don’t have to. It can take actions on your behalf, like recategorizing a transaction or matching a refund, and it powers a daily briefing with a rundown of category fixes, matched refunds, and flagged charges. You’ll also get personalized suggestions to keep your budget and categories accurate as your spending changes.
You can also interact with the Money Assistant by chatting with it. You can start a conversation anywhere in the app, and it already knows what you mean. Ask it day-to-day questions about your spending habits, income, recurring charges, investments, and more.
Where should I cut back on spending?
How much have I spent on groceries vs. restaurants this year?
Can I cover next month’s expenses?
What credit card should I use to book my hotel?
What made my Apple stock go up this week?
Chatting with the Money Assistant is also great for big-picture questions like long-term savings goals, growing your net worth, managing income changes, and investment strategies.
Am I on track to retire in 10 years?
How can I pay down my student loans faster?
Make a plan so that I can buy a home next year.
How can I grow my net worth to $200K in two years?
Can I afford to move to New York City next month?
Anytime you ask the Money Assistant a question, it bases its response on every aspect of your financial life in the Copilot Money app. You can iterate on your questions, ask follow-ups, and have the Money Assistant take action.
From directly within a chat, you can edit categories, budgets, transactions, and recurrings. You can customize how the Money Assistant talks to you, and even choose a roast mode that provides brutally honest feedback on your finances.
For many people, the setup process is one of the most intimidating aspects of creating a proper budgeting system. The Money Assistant in Copilot Money removes that barrier.
Privacy
Privacy has also been a core tenet of Copilot Money, with no ads, no data selling, and no hidden partnerships. None of that is changing with the launch of the Money Assistant.
Your data in Copilot Money isn’t used to train third-party AI models, and your data stays yours completely — just as it always has.
You can learn more about Copilot’s privacy and security practices on its website.
Try Copilot Money today
Copilot Money is used and trusted by multiple members of the 9to5Mac team, including Chance and Fernando. The app is also an Apple Editors’ Choice app and an Apple Design Awards finalist, plus it has an App Store rating of 4.8 from more than 31k reviews.