Copilot Money

copilot.money →

-8%

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

#3123

Sector

Fintech

Est. Liquidity

~2Y

Data Quality

Data: Low

Copilot Money offers modest upside potential but with significant downside risk due to intense competition and negative revenue trends.

Last updated: July 3, 2026

Bull (15%)+60%

If Copilot Money achieves category leadership and an IPO window opens, the exit multiple holds at 10x, yielding 60% upside. Revenue grows to $4.0M with improved market penetration from the new web app.

Base (40%)+28%

The exit multiple converges to the peer average of 8x as competition stabilizes; revenue reaches $4.0M, resulting in 28% upside for common shareholders.

Bear (45%)-63%

Intense competition from incumbents and declining revenue lead to multiple compression to 5x. After paying the $10.8M liquidation preference, common equity returns -63%.

Est. time to liquidity~2.0 years

Preference Stack Risk

severe

Funding Intensity

4320%

Total preferred funding of $10.8M represents 43% of estimated entry valuation, creating significant overhang.

Dilution Risk

low

Company is profitable and has low capital intensity, making a near-term capital raise unlikely.

Secondary Liquidity

none

No secondary market activity observed.

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 do you plan to differentiate from free alternatives like Mint or built-in bank tools?”

  • 2

    “What is the unit economics of your subscription model?”

  • 3

    “Given the recent web app launch, how do you measure engagement and retention?”

Community

Valuation Sentiment

Our model estimates -8% upside. What do you think?

Anonymous. Do not share material non-public information.

Community Discussion

Comments are reviewed before they appear publicly.

0/2000

Loading comments...

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