# Copilot Money

> Copilot Money is a subscription personal finance app for the Apple ecosystem that pulls all of your accounts - checking, credit cards, investments, loans - into one private, ad-free dashboard. Its standout feature is AI-powered transaction categorization that learns from your corrections, plus net worth tracking, budgets, recurring-expense detection and investment monitoring. Founded by Chilean engineers Andres Ugarte and Gabriel Dieguez Franzani, the app launched in January 2020, reached profitability in 2023, crossed 100,000 subscribers, and raised a $6M Series A in March 2024 led by Adjacent.

- **Founded:** 2020
- **Headquarters:** New York, United States
- **Founders:** Andres Ugarte (Founder & CEO), Gabriel Dieguez Franzani (Co-founder & CTO)
- **Team size:** Approximately 38 employees (offices in New York City and Santiago, Chile)
- **Products:** Copilot Money App, AI Transaction Categorization, Net Worth & Investment Tracking, Budgets & Recurring Detection, Savings Goals
- **Notable:** Crossed 100,000+ subscribers, growing more in four months than in its first four years, Reached profitability in 2023 without venture funding, Raised a $6M Series A in March 2024 led by Adjacent

## Products & services

- **Copilot Money App** — A subscription personal finance app for iPhone, iPad and Mac that aggregates all financial accounts into one dashboard covering spending, budgets, investments and net worth.
- **AI Transaction Categorization** — Machine-learning engine that automatically categorizes transactions and learns from each user correction, so accuracy improves the longer you use it.
- **Net Worth & Investment Tracking** — Real-time net worth dashboard connecting checking, savings, investment portfolios, 401k, mortgages and loans, with investment portfolio tracking.
- **Budgets & Recurring Detection** — Personalized monthly category budgets plus automatic detection of recurring payments and subscriptions.
- **Savings Goals** — A dedicated tab introduced in 2025 to plan, track and stay motivated toward financial goals.
- **Copilot Web** — A web version launched in December 2025 extending core tracking and transaction-splitting features to the desktop browser.
- **MCP Beta** — A Model Context Protocol beta that securely connects a user's financial data, read-only, to AI tools like Claude and ChatGPT.

## Achievements

- Crossed 100,000+ subscribers, growing more in four months than in its first four years
- Reached profitability in 2023 without venture funding
- Raised a $6M Series A in March 2024 led by Adjacent
- Widely cited as the leading replacement for Intuit Mint after its 2024 shutdown
- Recognized for best-in-class design and one of the most accurate AI categorization engines in personal finance
- 20% of users engage with the app 5-10 times per day

## Latest updates

- **2024-03** — Raised $6M Series A led by Adjacent with backing from Scott Belsky, Lenny Rachitsky, Immad Akhund and other operators.
- **2025-01** — Added a dedicated Savings Goals tab and shipped its first design refresh since launch, adopting the iOS 26 visual style.
- **2025-12** — Launched Copilot Web, a desktop browser version, and improved transaction splitting by amount, percentage, category or month.
- **2025-12** — Released an MCP beta connecting users' financial data, read-only, to AI tools like Claude and ChatGPT.

## Links

- Website: https://copilot.money
- LinkedIn: https://www.linkedin.com/company/copilotmoney
- Twitter/X: https://twitter.com/copilotmoney

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Profile page: https://yespress.io/copilot-money
Published by YesPress — https://yespress.io
Last updated: 2026-06-19