First of all, at this time, I have no real “Investments”, so if you have investments beyond stocks and bonds, those categories may be a little light for you. As far as Budgeting, there is something included called a Budget, but it is nothing like what I hoped for. I wanted to see two or three things not yet included: Ideally, I would like to see: 1. How much I expect to have in income, both from my projection and from actual historical data (Last 12 months, but at least last month) 2. From my list of Recurring Transactions (which is included), I want to see very clearly, what they total to. 3. If my projected income is not enough to meet those expectations, I want to see and hear a fire alarm louder than my Mac is capable of. (or at least, see clearly that I need to find an increase in income this or next month!) Beyond those changes, it took me a while to figure out how to clear transactions in the Recurrings list. I just figured it didn’t work. My Apple credit card didn’t show transactions for several months before I discovered how to fix the problem. It really is an evolving application, thanks to the subscription model, which I abhor, but in this case, it is worth the continued development.

The app basically tags your spending into different categories, and is good at it, but is light on keeping track of your budget vs actual spending. That isn’t to say it lacks those feature, but if you’re used to Quicken or Mint or any of the legacy budgeting apps, its budget analysis features are limited. If you’re single and have simple finances what they have is probably enough. The other thing that’s missing is support for joint accounts for couples to work together on shared expenses. The workaround requires two separate CoPilot subscriptions, one for her, and one for me, which is twice the work and twice the cost as we both end up having to categorize joint transactions. That being said, the functionality that is there works well once you get past some of the quirky UI behavior, and support does eventually get back to you.

I was never satisfied with other solutions over the years. They were too limited or too complex, buggy, and/or shared way too much about me in exchange for free access. With Copilot monitoring all my accounts, including investments, I’m finally feeling at home. However, one missing feature that I was shocked by is the inability to view, let alone manage rules that you create to automatically categorize and tag transactions. You have to contact support if you want to remove or change a rule! With rules being invisible once created, it’s difficult if not impossible to remember them all. That’s a huge gap in functionality. I may remove a star from my Copilot rating unless there’s progress on filling this gap soon.