Change log

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.