Copilot Money

copilot.money →

+61%

est. 2Y upside i

FinTechSeries A

Copilot is a personal finance management app for iOS and Mac that people actually love using. Copilot takes advantage of machine learning to deliver powerful, hyper-personalized finance data insights to help users effortlessly understand and manage their spending, budgeting, and investing.

Rank

#817

Sector

Fintech

Est. Liquidity

~5Y

Data Quality

Data: Medium

The equity offers an expected return of ~60% over 2 years, but carries high risk with a 20% chance of total loss due to preference stack.

Last updated: July 19, 2026

Bull (25%)+135%

If Copilot Money achieves category leadership and the market expands, exit multiple could reach 5x, yielding ~150% gross upside. After estimated 15% dilution, net upside ~135%.

Base (55%)+85%

Assuming multiple converges to public comp average of 4x on projected revenue of $4.7M, gross upside ~100%. After 15% dilution, net upside ~85%.

Bear (20%)-100%

If competition pressures multiples down to 2x, implied enterprise value falls below $16.8M liquidation preference, resulting in 100% loss of common equity value.

Est. time to liquidity~5.0 years

Preference Stack Risk

severe

Funding Intensity

17900%

Total preferred liquidation preference of $16.8M exceeds current valuation of $9.4M, meaning common stock is effectively out of the money in any exit below ~$20M.

Dilution Risk

moderate

The company is profitable, but may still raise additional capital for growth, potentially diluting common holders by 15-25%.

Secondary Liquidity

none

No secondary market observed; liquidity likely tied to acquisition or IPO.

View all 6 open roles at Copilot Money →

Last updated: July 3, 2026

Questions to Ask at the Interview

Strategic questions based on Copilot Money's data — designed to show you've done your homework.

  • 1

    “How would you win over users from Mint's closure?”

  • 2

    “What is the key metric (e.g., subscription retention) driving revenue growth?”

  • 3

    “How do you view the liquidity timeline and preference stack risk?”

Community

Valuation Sentiment

Our model estimates +61% upside. What do you think?

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Disclaimer: This analysis is AI-generated and does not constitute financial or career advice. Always conduct your own due diligence.