# Andrés Ugarte

> Andrés Ugarte is the founder and CEO of Copilot Money, a privacy-first personal finance app he started after quitting Google in 2018 because he couldn't find a money app he actually wanted to use. Built as a native Swift app with on-device machine learning, Copilot launched in January 2020 with seven users, reached profitability in 2023, and crossed 100,000+ paying subscribers. When Intuit shut down Mint in late 2023, Copilot's signups spiked 5x and the company grew more in four months than in its previous four years - momentum that fueled a $6M Series A led by Nico Wittenborn's Adjacent in March 2024.

- **Role:** Founder & CEO at Copilot Money
- **Organizations:** Copilot Money, Google, YouTube, Groupon, Vouch
- **From:** Chile
- **Nationality:** Chilean
- **Education:** B.S. and Professional Degree, Computer Science and Engineering, Pontificia Universidad Católica de Chile, Studied (exchange), University of California, Berkeley
- **Known for:** Founded and leads Copilot Money, a profitable personal finance app with 100,000+ paying subscribers, Raised a $6M Series A led by Nico Wittenborn's Adjacent in March 2024 (roughly $10.5M total venture funding), Grew the company more in four months than in its previous four years after Mint's shutdown

## Career timeline

- **2010** — Began career as a web developer; spent time at UC Berkeley
- **2010s** — Engineering roles including Groupon
- **2010s** — Senior Software Engineer at Google's Area 120, leading Material Design tooling for iOS and Mac
- **2010s** — Shipped YouTube Gaming for iOS at YouTube
- **2018** — Quit Google to begin building Copilot, working solo for the first six months
- **2020** — Publicly launched Copilot Money in January with seven users
- **2023** — Copilot reached profitability; Mint shutdown announcement drove record signups
- **2024** — Raised $6M Series A led by Adjacent; launched Web and Android versions

## Achievements

- Founded and leads Copilot Money, a profitable personal finance app with 100,000+ paying subscribers
- Raised a $6M Series A led by Nico Wittenborn's Adjacent in March 2024 (roughly $10.5M total venture funding)
- Grew the company more in four months than in its previous four years after Mint's shutdown
- Built Copilot as a native Swift app with on-device machine learning for transaction categorization
- Featured by The New York Times and the Apple App Store; part of the App Store Small Business Program
- Led Material Design tooling for iOS and Mac at Google and shipped YouTube Gaming for iOS

## Latest updates

- **2024-03** — Announced a $6M Series A led by Adjacent (Nico Wittenborn), bringing total funding to roughly $10.5M.
- **2024** — Copilot expanded beyond iOS with Web and Android versions following the wave of Mint refugees.

## Links

- Website: https://copilot.money
- LinkedIn: http://www.linkedin.com/in/andresugarte
- Twitter/X: https://twitter.com/chuga

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Profile page: https://yespress.io/andres-ugarte
Published by YesPress — https://yespress.io
Last updated: 2026-06-14