privacy-first-finance
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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.
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.