Your Money Just Got a Smart Sidekick

A popular finance app just dropped a built-in AI helper that actually does stuff for you. Copilot Money now includes Money Assistant, an agent that works quietly in the background. It fixes messy categories, spots refunds, and flags weird charges without you lifting a finger. You get a daily rundown of what it cleaned up. It also suggests tweaks to keep your budget tight as your habits shift. The whole thing lives inside the app you already use on iPhone, iPad, Mac, or web. The AI piece is hitting iPhones first with other devices coming soon.

You can chat with this assistant anywhere in the app. Ask it simple things like where to cut back or how much you blew on takeout versus groceries. It knows your full picture so answers are specific to you. Big questions work too. Wonder if you can retire in a decade? Need a plan to buy a home next year? Want to hit a net worth target? It builds answers from every account, investment, and goal you’ve linked. You can follow up, refine, and even have it edit transactions or budgets right from the chat. There’s even a roast mode that gives brutally honest feedback if you’re into that.

Setting up a budget used to be the worst part. Now the assistant walks you through it from day one. As soon as you connect accounts, it scans your data and surfaces insights instantly. It drafts a starter budget and picks the categories that matter most. That removes the blank-page panic that stops lots of people before they begin. You can also tweak how the assistant talks to you so it matches your vibe.

Privacy hasn’t changed. No ads. No data sales. No sketchy partnerships. Your info isn’t used to train outside AI models. It stays yours, period. The app has serious credibility too. It’s an Apple Editors’ Choice pick and a Design Awards finalist. Over thirty-one thousand reviews average 4.8 stars. Several folks on the 9to5Mac team use it daily.

Readers here can grab a two-month free trial with code 9TO5MAC. Head to the Copilot Money site to start. The offer is exclusive to this audience.