Real store listing. Store data comes from public listings; the assessment type and evidence coverage are labeled on this page.
Appworthy

Copilot: Track & Budget Money

Spending, investing, net worth

Copilot Money, Inc.
No findings published
Download on theApp Store
App Store rating4.8★30.6K ratings
PriceFreeListed price
Age4+Store age rating
Size323 MBiPhone download
CategoryFinance
DeveloperCopilot Money, Inc.

At a glance

Full report

Things to watch for 0

Nothing published. That is not a guarantee the app is problem-free.

Positives 0

No specific positive published.

From our automated analysis, 12 Oct 2026.

This analysis describes version 8.5.0 of the app, analyzed 2026-10-12 . The app may have changed since.

The store currently lists version 8.5.0, updated 2026-10-08.

Preview

Screenshot 1Screenshot 2Screenshot 3Screenshot 4Screenshot 5Screenshot 6Screenshot 7Screenshot 8

Store screenshots supplied by the developer.

About this app

Apple Editor's Choice. Apple Design Award Finalist.

"Made the jump from Mint years ago and never looked back. Run, don't walk." -App Store review

"An app that I love and use." -MKBHD

Available on Web, iPhone, Mac, and iPad.

Copilot Money is a personal finance app built to help you navigate your finances with confidence. Track spending, budgets, investments, and net worth all in one beautifully designed place. It’s powered by smart automation and built with privacy at the center. We never sell your financial data or show ads.

This app is a great fit whether you like to check your finances daily or only once in a while. Copilot Money brings every corner of your financial life into one place. No more switching between five banking apps. The award-winning design makes it all feel clear instead of chaotic.…

From the developer’s store description.

For developers and the curious

The full report

The evidence, sources, measurements and versions behind every label above.

Findings and evidence

No findings published
This assessment published no findings. That is a statement about what the evidence we had could show, not a clearance of the app.

What reviewers report

514 reviews read · 0 review-based observations

No review-based observation is published in this assessment. That does not establish that reviewers had no problems.

Measurements

5 measured · 3 not assessed

Supporting measurements. They are not a complete list of possible harms or positives. “Not assessed” means we could not measure it — never zero, never a pass.

From store data and reviews

Developer replies to reviews
Replies to fewer than 1 review in 20
Price in the store description
States no price and billing period
Cancelling, in the store description
Does not say how to cancel
Themes reported by reviewers
No theme reported
Counted from the reviews we have read for this app. "No theme reported" means no theme reached our reporting threshold — it is not a finding that nothing is wrong with this app, and we do not say it is.
Five-star share of ratings
80–89% five-star
Arithmetic on the stores' own published rating counts. It says nothing about why the ratings fall where they do.

In the app package we scanned

No package has been scanned for this app, so nothing is published about what it ships. That is an absence of evidence, not a finding.

Sensitive permissions
Not assessed
No package has been scanned for this app
Analytics or tracking SDKs in the scanned package
Not assessed
No package has been scanned for this app
Advertising SDKs in the scanned package
Not assessed
No package has been scanned for this app

Measurement vocabulary 1.4 · how these are measured

Versions and dates analysed

Assessed 12 Oct 2026

This analysis describes version 8.5.0 of the app, analyzed 2026-10-12 . The app may have changed since.

The store currently lists version 8.5.0, updated 2026-10-08.

Store update history

Each store’s release notes, as the developer wrote them. They are the developer’s words, not ours.

App Store

Version 8.5.0 · 2026-10-08
In this release: New • Transaction totals now work with selections, too. Multi-select transactions to see their running total in the summary card, along with taking bulk actions. • Browse and view your past Month in Review and Year in Review reports right from the Transactions filters. Improved • Faster Transactions search, and a clearer message when nothing matches • Updated styling in Transaction search for easier-to-read text Fixed • In Cash Flow, the net income sheet loads smoothly even when you have a lot of recurrings • Tags now show on older transactions • Header gradient snaps back in place when it's close to the top • Other bug fixes and performance improvements
Version 8.4.0 · 2026-09-17
In this release: New • iOS: Introducing totals in Transactions. Search or filter in the Transactions tab for a running total of your results. Improved • Consistent switches throughout the app • Cleaner section headers in Settings Fixed • Selling a full position in Investments now accepts the prefilled quantity • In Recurrings, the reset button stays out of the way of your transactions • Custom emoji in Recurrings show up right away • Other bug fixes and performance improvements

Assessment record

Status
Automated analysis
App identifier
copilot-apple-1447330651
Assessment date
12 Oct 2026
Sources used
3 independent signals: user reviews, the store listing and the store privacy disclosure
Reviews read
514
Package examined
No package scan
Measurement vocabulary
1.4
Human inspection
Not completed

Assessed 2026-10-12 from 514 user reviews, the store listing and its privacy label. We have not scanned the app's package, so nothing on this page was read from inside the app itself.

How this page was produced

Analyzed 2026-10-12 Version analyzed: 8.5.03 independent signals514 reviews scannedConfidence: HighNot human-reviewedVocabulary v1.13Methodology v1.3
Signals run: user reviews, the store listing and the store privacy disclosure. Not yet checked: SDKs in the app package, the app's own on-screen text and the app manifest.

Store facts

App Store

What the stores publish. Store ratings are the stores’ numbers, not Appworthy’s, and are never averaged across stores.

App Store

Store rating
4.75 ★ · 30,645 ratings
Version
8.5.0
Updated
8 Oct 2026
Price
Free
Age rating
4+
Size
323 MB
Open in App Store
Developer
Copilot Money, Inc.
Category
Finance
Listing price
Free

No itemized purchase list is available for this listing.

Method and limits

What this report can and cannot show

How the automated analysis works

This assessment is produced automatically. Three independent signals are read — user reviews, the store listing and the store privacy disclosure — and each candidate finding is filed under the sources that support it.

No charge stands on one kind of evidence — with one published exception. A finding is either a measured fact that anyone can reproduce (an ad SDK is in the package; every subscription bills weekly; the privacy label omits a tracker we can see), or it is an interpretation — and an interpretation needs independent sources to agree before it reaches the catch list. The exception is a harm only users can see: a charge may publish from reviews alone, as “Reported by N users”, once enough reviewers raise it to clear that charge’s own published bar. That agreement rule is what replaced the human reviewer, not a model’s confidence.

There is no overall score, on purpose. A 0–99 number was published here until 2026-09-15. It was withdrawn because it discriminated too weakly to be the instrument — 44.7% of every pair of apps tied — and because a single number is a verdict where a count is an observation. What publishes instead is a row of measurements, each of which says what was counted and, where we could not look, says that instead.

Findings under One source only are real reports we do not stand behind as findings. They are shown because withholding them entirely would hide a genuine complaint, and labelled because publishing them as charges would be an accusation off a single source.

Limits of this report

  • A package scan is static. It identifies code and text in one Android build. It does not measure a live ad session, test a deletion request, or count the steps needed to cancel.
  • Reviews keep their sample. A review-only charge shows distinct reviewers, the share and the sample size, and is published only once it clears that label’s published threshold. Calibration labels are machine-drafted and not yet confirmed by a person.
  • Not assessed is a state. It is never a zero and never a pass.
  • A missing label is not a clean bill of health. It means the evidence did not support one, not that the app is problem-free.
Not yet human-reviewed. A hands-on test can confirm or contradict a finding and adds its own measurements; it does not change a measurement row. Hands-on inspections are not yet open.
Review thresholds Read the methodology For developers

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