Change log, March 30, 2026

Copia free tier is here! You can now sign up and use Copia without entering a card. Manual accounts, manual transactions, the full budget view, quick add, CSV import, all of that is free.

Free tier

Copia now has a free tier. You can sign up and use the core of the app without entering a card. Here is what is included:

• Add manual accounts and track them in one place
• Enter transactions by hand using quick add
• Build a full budget with categories and subcategories
• See your income and spending over time in the activity chart
• Import transactions from a CSV file
• Use the command palette to jump around the app quickly
• Add and edit manual bank connections and accounts

Bank connections through Plaid, automatic transaction syncing, receipt capture, and transaction rules stay on the paid plan at $4.99 a month. We drew the line there because bank syncing and receipts cost us real money to run, and we needed to keep the paid plan worth paying for.

We also dropped the step in onboarding where you had to pick a plan before seeing anything. New accounts land straight in the app now.

Budget

• A new income and spend activity chart shows your earnings and spending side by side over time. You can see trends at a glance without jumping to a separate screen.
• When you expand or collapse groups of categories, that layout sticks the next time you open the screen.

Categories and transactions

• Quick add is now a sheet with a simpler layout. It has merchants on the form, a way to pick or add an account, bulk entry for pasting a small list, and bulk delete with row selection.
• Dates use a calendar control and the category picker got a refresh so both feel closer to the rest of the app.
• Transfer and debt payment types are part of creating a transaction. Paired transfers and debt payments stay linked so both sides stay in sync.
• Account balances update when you add or edit money movement. You cannot post a transfer between the same account, and debt payment amounts on linked pairs calculate correctly.
• You can bring in a CSV with a short import flow that maps columns and ends with a pass to assign categories before the rows hit your register.
• Quick add works better on phones now. Fields and spacing fit small screens without feeling squeezed.

App

• A command palette (cmd+k on Mac, ctrl+k on Windows) lets you jump to any part of the app, run quick calculations, and send a question straight to the in-app chat without digging through menus.
• Features that need a subscription show a clear locked state so you always know what requires an upgrade.
• The main nav shows tooltips on locked items and links you to settings when something is not on your current plan.

If something still feels off, tell us on Discord.