Personal finance, finally simple
All your money on one screen. AI that finds what you can save.
BudgetPilot connects your accounts, tracks every dollar, forecasts your next 30 days, and surfaces real, dollar-quantified ways to save — built for couples and families.
What you get
Everything the $15 apps do — for $8.99.
Every account, one screen
Securely connect your banks, cards, and brokerages with Plaid. Balances, transactions, and net worth update automatically — no spreadsheets.
AI that finds real money
Margin Finder reads your actual spending and names specific, dollar-quantified ways to free up cash — researched alternatives, not generic “cook more” advice.
Know your next 30 days
A running cash-flow forecast anchored to your real balance shows the tight spots before they happen, placing income by your true pay history.
Built for two
Share one household budget with your partner — joint and individual views, a fair-split tool, and the same numbers on every device.
Net worth, fully counted
Banks, investments, crypto, and real estate in one number that actually reflects your life — tracked over time so you can see progress.
Private by design
Bank credentials never touch our servers (Plaid handles that). Tokens are encrypted at rest, and you can delete your account and data anytime.
Signature AI
An analyst that reads your spending — not a chatbot.
Margin Finder studies your real transactions and recurring bills, benchmarks them against your region, and hands you a short list of specific moves — a named cheaper plan, a forgotten duplicate subscription, a bill that’s above the local norm — each with the dollars attached.
- Cites the actual charges it found — never vague advice
- Calibrated to your cost-of-living and season
- A monthly AI review that explains where your money went
Illustrative example — your results come from your own accounts.
Simple pricing
One plan. Every feature. Half the price.
Free for 3 months — no card to start. Cancel anytime.
Questions, answered
How is BudgetPilot different from Monarch or Copilot?
Same core — bank sync, budgeting, net worth, investments — at roughly half the price ($8.99/mo vs $13–15), with an AI savings finder that cites your real transactions, a true 30-day cash-flow forecast, and first-class support for couples sharing one budget. It also runs on iPhone, Android, and the web.
Is my financial data safe?
Your bank login is entered with Plaid and never reaches us. Access tokens are encrypted at rest, traffic is HTTPS-only, and you can permanently delete your account and all associated data from the app at any time.
What does it cost?
Every premium feature is free for your first 3 months — no card required to start. After that it’s $8.99/month, or $49.99/year ($19.99 for your first year). Cancel anytime.
Which devices does it work on?
iPhone and iPad on the App Store, Android on Google Play, and any browser at web.gobudgetpilot.com. Sign in with the same email and you’ll see the same accounts, transactions, and household everywhere.