Change log

We fixed a mismatch between Insights and the Dashboard when refunds were in the mix.

Insights

• Expense totals on Insights now subtract refunds the same way the Dashboard does, so a refund no longer makes your spending look higher than it really was

We changed how you hide categories on the budget page. You can turn them off without losing the amounts you already set.

Budget

• Instead of removing a category from your budget, you can deactivate it and bring it back later without re-entering your planned amounts
• Inactive categories sit in their own section at the bottom of the budget page on web and mobile, with a tap to activate again
• Each budget section (expenses and income) keeps an Add categories button so you can add categories without digging through menus

We tightened Insights drill-downs and smoothed out how income shows up on mobile web this week.

Insights

• Tapping net income totals, summary cards, category amounts, or summary row amounts opens the transactions list with filters that match what you were looking at on web and mobile
• On mobile web and the native app, tapping an Insights amount now keeps the matching transaction filters instead of opening an unfiltered list
• Category names in the Insights table stay readable on narrow screens when you scroll, with amounts no longer sliding under sticky labels

Budget

• On mobile web, Total Income has a list button that opens a dedicated income transactions page, matching how subcategory rows drill down to their transactions
• The income history page on mobile web stays focused on the chart so you are not scrolling a chart and a long list in the same view

Goals

• Savings goal target dates show the correct months remaining instead of rounding oddly near month boundaries

We added two filters and drill-downs we kept reaching for in our own budgets: narrowing transactions by category, and seeing which deposits make up Total Income.

Budget

• When you select Total Income on the budget page, the sidebar lists that month's income transactions next to the income history chart, the same way subcategory rows open a transaction list
• The income history page shows those transactions on web and mobile too

Transactions

• You can filter the transactions list by one or more categories on web and mobile
• Category filters include subcategories, and active category filters show as chips you can clear on mobile

We spent the last week tightening the budget page, making category changes safer, and fixing a few sync issues that showed up in real accounts.

Budget

• You can open Manage categories from the budget toolbar on web and mobile instead of digging through Settings
• Copy budget now fills in amounts even when the target month already has empty placeholder rows
• The mobile budget page no longer renders as a blank screen on some layouts
• The budget list on mobile sits flush with the bottom of the screen without extra empty space below it

Transactions

• Rules that move a transaction to a different subcategory now set the correct transaction type (income, expense, or transfer) at the same time
• Bulk category changes show how many transactions will match before you confirm, and Copia blocks searches that are too broad to apply safely

Bank linking

• Re-syncing your bank no longer creates duplicate rows for the same transaction

We focused on bank linking, budget navigation, and a few transaction quality-of-life fixes this week.

Bank linking

• Reconnecting a bank account keeps your past transactions instead of starting from scratch

Budget

• Copy budget sheet and related actions moved to the top bar, with an overflow menu when space is tight on smaller screens
• The subcategory sidebar scrolls as one list so the chart and transactions stay together
• The parent category picker no longer hides behind other controls when you change a category

Transactions

• When you create a rule from a transaction, you can turn on Apply to all matching transactions now to categorize past matches right away
• A syncing banner appears on the transactions page while Copia pulls new activity from your bank

Accounts

• Edited account balances display rounded amounts correctly instead of long decimal strings

We renamed the AI assistant, polished the budget page, and brought Insights to the mobile app.

Mina

• The AI assistant is now called Mina on web and mobile, with a refreshed avatar
• When you approve or decline a suggested change, your message shows a readable summary instead of raw data
• Long messages in your chat bubbles wrap correctly instead of overflowing
• Action approvals are more reliable when Mina suggests budget or other changes

Budget

• Budget amount edits save when you tab to the next field or click away, so quick edits are not lost
• Opening a subcategory on the budget page shows this month's transactions in the sidebar
• Budget and actual columns are in a clearer order across income, debt, and savings rows
• The budget summary panel has a new breakdown tab for needs, wants, and savings or debt allocation
• The budget list scrolls more smoothly on desktop
• Mobile budget cards were redesigned with progress bars, centered amounts, and expand chevrons
• The over-budget warning now appears inside the total card instead of as a separate card

Transactions

• On mobile, applying a category change opens a bottom drawer that fits small screens better than the old centered dialog

Mobile

• Insights is now available in the React Native app with Net Income and Account Distribution tabs

We shipped several improvements to the AI assistant this week.

AI Assistant

• The assistant can now suggest budget amounts for categories based on your spending
• Before making changes to your budget, the assistant shows a card explaining what it wants to do and asks you to approve or decline
• Action approvals work on both the web app and mobile
• Error messages are more specific when the assistant has trouble responding

AI Chat

• The AI now shows an approval card before it makes changes, so you can review what it wants to do before anything is saved.
• You can ask the AI to analyze income scenarios and compare what-if situations.
• When the AI adds a transaction, it matches existing merchants more accurately.
• AI token usage is now hidden for free accounts.

CSV Import

• Each row in the import wizard can now be mapped to a different account.
• Transaction type (income or expense) is detected automatically from the amount sign.
• The transaction list updates right after an import instead of staying stuck on the old data.

Transactions

• Editing a transaction in the list is faster, especially when subcategories change.
• Row selection performance improved and select all is back.

Categories

• The category manager was redesigned as a drag-and-drop board. Reordering categories and subcategories is easier.
• The category selector scrolls to the current subcategory when you open it.

Bank Linking

• The add-account flow was redesigned to start with accounts first instead of connections first, making setup more straightforward.

Budget

• Income, debt, and savings amount inputs now use the same currency field as subcategory budgets, so the behavior is consistent everywhere.

We spent the last few days on a big budget page refresh. The layout is cleaner, income is easier to track, and totals stay visible as you scroll.

Budget

• The budget page has a new layout. On desktop, totals and the 50/30/20 breakdown are in a sidebar panel that stays visible as you scroll through categories. Income rows are now aligned alongside expense categories throughout the list
• Income history and subcategory spending charts are back on desktop, and they work on mobile and in the React Native app too
• The mobile budget list uses stacked rows so category names and amounts stay readable at any screen width
• Category and subcategory names are no longer editable from the budget page. Rename them in Settings instead

Transactions

• You can change a transaction's subcategory directly from the transactions table. Picking a subcategory opens the same apply-options modal you see on the detail panel
• The transaction amount filter now uses "is" or "is not" with a number instead of text matching
• The category selector shows subcategories across all types and switches the transaction type automatically when you pick one from a different category

Improvements

• Sidebar navigation links load faster now that they use native link elements
• The mobile date range picker completes a range in two taps instead of three
• Active filter chips on narrow screens wrap to their own row and collapse with a show more/less control when too many are applied
• Transaction notes no longer auto-zoom the page on iOS Safari when you tap into them
• The mobile transaction filter no longer overflows off the screen on small devices

A few fixes and one quality-of-life improvement we have wanted for a while.

Transactions

• Manual transactions can now be deleted on every plan, not just paid subscriptions
• The select-all checkbox was removed to prevent accidental bulk selection

Signing in

• Sign-in with multi-factor authentication and email verification codes is working again. We tried a custom sign-in form but it did not handle those flows correctly in production, so we switched back to Clerk's prebuilt component while keeping the custom forgot-password flow

Insights

• The Account Distribution Sankey diagram now stays inside its container instead of growing wider with each node, and category nodes have tighter padding so related items stay visually grouped

Bank connections

• When you relink a bank account, Copia now keeps your active connection instead of restoring a deleted one. If no active replacement exists, the deleted connection is still restored

We shipped a lot this week. The new Insights page is the biggest piece, but there are also quality-of-life improvements across transactions, the calendar, the chatbot, and the mobile app.

Insights

• New Insights page with net income KPIs, an income versus expenses chart, and an account distribution tab that uses the Sankey diagram at full page scale

Budget

• Subcategory history now shows a budget snapshot so you can see how the month is tracking without leaving the flyout
• Debt accounts are now included in budget data as we build toward debt tracking

Transactions

• Right-click or long-press a transaction to copy it
• When you change a transaction's subcategory, Copia asks if you want to apply it to this transaction only, update similar ones, or create a rule for future transactions
• Notes you add to manual transactions are no longer lost when you save
• Fixed the filter operators in the transaction table

Bank connections

• Searching for your bank when connecting manually now uses Plaid's institution database, so more banks show up with the correct name and logo
• Syncing after you connect a bank account now runs in the background, so the connection screen finishes faster

Calendar

• Right-click any date on the calendar to add a transaction directly
• Fixed the date that prefills when you add several transactions in a row

Chatbot

• Pie charts in chatbot responses no longer double up when you expand them
• Charts are laid out more cleanly and the chatbot keeps track of which month you are talking about
• You can now ask the chatbot to add a transaction for you

Signing in

• You can reset your password or change it from inside the app on web and on mobile
• Fixed a redirect that could leave you on an empty sign-in page

Mobile app

• Phase 1 of our native mobile improvements heading toward a store launch
• The sidebar menu opens and closes faster with less lag
• The budget page has month navigation in the header and scrollable totals
• Better alignment and chart sizing in the native budget and subcategory history views

Website

• Updated the compare page and feature pages with current Copia capabilities
• Rewrote the smooth history feature page with clearer copy
• Updated marketing screenshots with current demo data
• Added a Copia logo variant for dark backgrounds

Bank connections

• Account balances now show on mobile web, matching what was already visible on desktop
• Fixed a sync error that could occur during long pagination cycles with Plaid, making bank syncing more reliable
• Bank connection errors (like expired credentials) now correctly prompt you to reconnect after syncing

Transactions

• Two new date filter presets: "Last 6 months" and "Last year"

Budget

• Remove buttons for subcategories now appear correctly when you hover over a row
• New budget months auto-populate with amounts carried forward from your current month so you don't start from zero
• You can use the Tab key to move between subcategory amounts when entering your budget

Recurring

• The recurring transactions detail page loads faster

Dashboard

• The account distribution chart is easier to read, with categories grouped together and labels that stay on screen

Chatbot

• The chatbot exits full screen when you navigate to a different page

Bank connections

• Disconnecting a bank account from the web app no longer triggers an unnecessary call on Plaid's side, making reconnect smoother
• Reconnecting after deleting a connection works again

Budget

• Expected income field no longer erases what you typed while you were still entering the number

Transactions

• Merchant name now updates correctly when you switch between transactions in the detail view

Categories

• Custom category filters on the settings categories page now apply properly

Calendar

• The Last Month date preset now shows the correct dates on month-end days like January 31

We routed the chat stream through the same origin, which means Copia Assistant now works reliably on mobile devices. You can ask questions about your finances from your phone and get responses in real time.

Chat

• Copia Assistant now works on mobile and through any Vercel deployment. The stream path was rewritten so it resolves correctly on every network and device.

Improvements

• Fixed an issue in the bulk add form that could cause errors on some browsers and mobile webviews

Website

• Removed the roadmap link from the marketing site footer

Chatbot

• Fixed a bug where the chatbot's table responses (like budget breakdowns or spending summaries) could show up blank or broken
• Chat display updates more reliably when the assistant generates responses

Dashboard

• Reordering your dashboard widgets now feels smoother. The drag handle is more responsive, and the widget you are moving stays in place visually instead of leaving a ghost behind.

Chatbot

• The chatbot can now show radar, radial bar, scatter, and composed charts when you ask about your finances. More chart types means it can pick the style that best fits the numbers.
• The chatbot's full-screen view got a visual cleanup, and charts now show a clear empty state when there is nothing to display yet.
• Chat connections are more reliable after switching to token-based authentication for the chatbot's backend API.
• The Copia Assistant now works properly on mobile. The chat view was clipped or hard to scroll on smaller screens, and messages could disappear while history loaded. Both are fixed, and if a connection error happens you will see a notification instead of a silent failure.

The Copia Assistant can now create charts and layouts right inside your conversation. It can also set up rules and savings goals for you. We cleaned up a few things in the budget view, added dashboard customization, and fixed some rough edges.

Copia Assistant

• The Assistant can now generate charts and visual layouts during your conversation. Ask about your spending and see a bar chart or pie chart without leaving the chat.
• You can expand the Assistant into full-screen mode for more room to explore.
• It can create savings goals and auto-categorization rules from your conversation. Just tell it what you want.
• Your profile settings now show how many tokens the Assistant has used.

Budget

• Debts and savings sections now collapse by default. Click to expand when you need them.
• Linked savings goals now show correct progress. The starting balance is no longer counted as money you saved.

Dashboard

• You can now reorder dashboard widgets from Settings and reset the layout to its defaults.

Transactions

• Quick-add rows now require a subcategory. If a row is incomplete, a message tells you what is missing before you save.

Bank linking

• Deleted accounts are restored automatically when you sync or reauthenticate through Plaid. No more accounts disappearing after a reconnect.

Improvements

• The side drawer keeps your preference between sessions. Open or close it once and it stays that way.

A couple of weeks into May and we have a good batch of updates, especially around budgeting and how you see your finances on the dashboard.

Budget

• New 50/30/20 breakdown widget on the dashboard. It shows how your spending splits across Needs, Wants, and Savings so you can see at a glance whether you are in the ballpark of that classic budgeting rule.
• Clicking a subcategory in the budget overview breakdown popover now takes you directly to that subcategory on your budget page. No more hunting for the right row.

Settings

• You can now tell Copia which of your categories should count as Needs, Wants, or Savings for the 50/30/20 widget. Head to Settings then Categories to set them. Smart defaults are applied automatically based on common patterns, so most people will see something reasonable right away.

Dashboard

• Added widget visibility settings. Open the dashboard settings to toggle which widgets appear on your home screen. Hide the ones you do not use, keep the ones you do.

Transactions

• Long transaction descriptions no longer cause the dollar amount to wrap or overflow. Amounts stay readable even when the description runs long.

It has been a busy day. We shipped a handful of improvements that make rules more useful, the AI budget feature more polished, and some quality-of-life fixes.

Transactions

• Rules can now automatically tag transactions and send you an email notification when they match. The tag action works instantly, and the email includes details about what the rule caught.

Budget

• AI budget generation now focuses on expenses only, so the suggestions match what you actually spend. A loading spinner and toast messages let you know when it is working and when it finishes. Added a note that large histories can take up to about a minute.

Improvements

• Typing into the command bar and text filter inputs no longer zooms the page on iPhone.

We added 50/30/20 budget analytics to the dashboard and budget pages over the last few days. If you have never heard of the 50/30/20 rule, it is a simple way to split your spending into three big categories: needs (50 percent), wants (30 percent), and savings (20 percent). You can now see your actual numbers against those targets right in the app.

Budget

• The dashboard now shows a breakdown of your spending by needs, wants, and savings with a quick visual summary.
• The budget page has a new income and spending summary so you can see your 50/30/20 split alongside the rest of your budget.
• The Spending Mix tab in the budget sheet has a cleaner layout and easier controls for adjusting your category buckets. The chart also appears on the dashboard now.

We've been heads down on a few areas that we know matter to you: making savings goals more useful and fixing the bank reconnection flow so it actually finishes what it starts. Here is what shipped since the beginning of May.

Savings Goals

• Goal detail pages now include a planned vs. actual chart, so you can see how each month's savings compares to what you set out to save.

Bank linking

• Reconnecting a bank account that needs your attention now works properly. The re-auth flow goes all the way through, and your transactions start syncing again once you finish.
• Cleaned up some extra spacing at the bottom of the connections page on mobile, so the layout feels a bit tighter.
• Fixed an issue where the connections page wouldn't scroll properly, making it easier to reach all your linked accounts.

Transactions

• You can now export your transactions to a CSV file from the transaction list. The export is formatted so you can open it in a spreadsheet or use it elsewhere.
• On mobile, the transaction detail view stays open while you edit notes or pick a category, so you don't lose your place.

Since our last update in March, we shipped our most-requested feature: savings goals. We also added per-transaction notes, cleaned up the transaction table, and made a bunch of smaller improvements you will notice as you use the app.

Savings Goals

• You can now set savings goals with a name, target amount, and target date right from the app
• A summary panel shows your progress at a glance
• The redesigned Goals page has a card layout and a date picker to make it easier to navigate

Transactions

• Added a subcategory column to the transaction table so you can see where each item falls at a glance
• You can add notes to individual transactions for anything you want to remember about a specific entry
• The category column now shows the parent category name for better context
• Filter Reset and Save buttons are aligned properly again
• Notes field sits below the subcategory picker for a cleaner layout

Budget

• The add-category popover no longer clips off-screen when the budget page is scrolled
• Summary labels stay visible while your budget data is loading
• Month navigation no longer gets squished on smaller screens
• Top-bar actions now move into an overflow menu on mobile instead of overlapping or hiding

Dashboard

• The distribution chart title is hidden on mobile for a cleaner layout
• The merchant bubble chart no longer counts transfers, so it reflects actual spending more accurately

AI Assistant

• You can start a new conversation or clear the assistant thread with one tap
• Fixed an issue where the chat input would zoom in unexpectedly on iOS

Settings

• The active tab syncs from the URL, so deep links and bookmarks land you on the right section

App Improvements

• The onboarding flow skips the subscription step automatically when you already have an active plan
• Rules that auto-categorize transactions now run correctly in all cases
• Added accessible labels and descriptions to the command palette dialog
• You can obscure sensitive financial data when taking screenshots or recording your screen, giving you more control over your privacy

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.

Here is a list of some changes we've shipped since mid February. Like the last blog mentioned, we are heads down a bit on marketing.

Budget

• Plan spending for debt the same way you plan other categories, and choose which accounts belong in that picture.
• Budgets can follow specific accounts, not only category names.
• Jump between dates from the budget overview header instead of hunting through menus.
• Spending charts use one clear date range control, including a picker that works well on phones.
• If a budget area is empty, you can add all subcategories in one step instead of one at a time.
• Upcoming recurring charges are easier to read after spacing and type tweaks.
• After you edit transactions, budget numbers refresh sooner so you are not staring at stale totals.

Receipts

• Receipts you send by email are handled more reliably, including messy receipt-style emails.
• You can open receipt files as a normal document view, not only as a thumbnail.
• Tapping a receipt image or file opens it with clearer feedback.
• Long file names no longer get cut off in the receipt detail screen.
• If we cannot read a date off the receipt, we use the day you added it so matching to a purchase still works.
• Matching a receipt to the right purchase got stricter so we favor the best fit instead of the first guess.

Categories and transactions

• You can mark a transaction as uncategorized on purpose when the category picker could not do that before.

Bank linking

• The app shows more clearly when a bank connection needs you to sign in again.

Signing in and the app

• The six boxes for your sign-in code look correct in dark mode.
• The in-app chat scrolls more predictably, shows example questions you can tap, and focuses the text box so you can type right away.
• Top navigation and fonts were adjusted for a cleaner read.
• The receipts area scrolls more comfortably on small screens.

Website

• Sign up and sign in links go straight to the live app.
• Pricing page is simpler and less noisy.
• The comparison page reads better on phones and on desktop.
• Blog cards and filters are tidier.
• Legal contact details point to the current admin email where that matters.
• The help text for email receipts links to a fuller explanation if you want it.

If something still feels off, tell us on Discord.