Question 1

What is Copia?

Accepted Answer

Copia is a budgeting app built by a small team of two who actually use it every day. We created it because we wanted full-featured budgeting without the premium price tag. You can start for free with manual accounts and transactions, and add bank connections from $4.99 a month. Every feature we build starts with solving a real problem we face in our own financial lives.

Question 2

Is Copia a good Monarch Money, YNAB, Rocket Money, EveryDollar, Simplifi, or Copilot alternative?

Accepted Answer

Yes. Copia is an affordable alternative to Monarch Money, YNAB, Rocket Money, EveryDollar, Simplifi, Copilot Money, and Goodbudget. You can start for free with manual accounts, and the full plan with bank connections is $4.99/month billed yearly, or $6.99 month to month. Simplifi can cost less on an annual promo. We still think a free zero-based sheet plus $4.99 a month for sync, receipts, and Mina is the better budget. See the compare page for the full table.

Question 3

Can I connect my bank accounts?

Accepted Answer

Yes! Copia connects to thousands of banks and financial institutions through Plaid. We're also working to add support for other providers like MX, Finicity, and Yodlee so you can sync all your accounts in one place.

Question 4

Is my financial data secure?

Accepted Answer

Yes. We never store your bank login credentials. All connections go through Plaid using encrypted connections, and your data is encrypted both at rest and in transit. We follow industry best practices to keep your information safe and private.

Question 5

Will Copia be available on mobile devices?

Accepted Answer

Copia works in your mobile browser today. Native iOS and Android apps are in progress and headed to the App Store and Google Play.

Question 6

Is Copia available now?

Accepted Answer

Yes. Copia is live and available to sign up for today. You can create a free account at app.copiacash.com and start budgeting right away.

Question 7

What budgeting methods does Copia support?

Accepted Answer

Copia supports zero-based budgeting. We built it this way because it is the method we use ourselves, and we wanted to make it easier for others to get started without spending hours on setup.

Question 8

Is my bank login information stored?

Accepted Answer

No. We never see or store your bank login credentials. Copia uses Plaid to establish secure connections to your bank accounts, and all authentication happens through Plaid's secure infrastructure. We only receive transaction data, never your passwords.

Question 9

How does Copia protect my privacy?

Accepted Answer

We take your privacy seriously. We never store your bank login information, and all data is encrypted both at rest and in transit. Our system uses encrypted access tokens from Plaid that rotate regularly. All data is hosted securely on AWS. We never share your information without your explicit consent, and as a small team, we have strict access controls in place.

Question 10

What AI features does Copia offer?

Accepted Answer

Copia has an in-app chat bot, Mina, that can answer questions about your spending and, with your approval, draft budgets, add transactions, and create rules. We also use AI to categorize transactions and read receipts. You can photograph a receipt or statement and import the rows into your ledger.

Question 11

Which AI models does Copia use?

Accepted Answer

We use Google's Gemini models to power our AI features, including the in-app chat and receipt reading.

Question 12

How much does Copia cost?

Accepted Answer

Copia has a free tier that includes manual accounts, manual transactions, and the full budget view. Bank connections and the complete feature set are $4.99/month billed yearly, or $6.99 month to month. The yearly plan is $59.88 a year. If you subscribed during the beta, you keep the price you signed up at. We built Copia to be affordable because budgeting tools should not cost a fortune.

Question 13

Can I link multiple bank accounts?

Accepted Answer

Yes! Copia supports unlimited bank account syncing. Connect as many accounts as you need across thousands of banks and financial institutions.

Question 14

Can I manually enter transactions, or is it automatic only?

Accepted Answer

Both. You can enter transactions by hand, use quick add, or import from a CSV. Automatic syncing through bank connections is available on the paid plan. Manual entry is free.

Question 15

How does Copia categorize my expenses?

Accepted Answer

Copia automatically categorizes your transactions based on Plaid's categories. Over time, our AI will learn from your patterns and corrections to get better at categorizing your specific spending habits.

Question 16

Does Copia support recurring transactions or bills?

Accepted Answer

Yes. Copia detects and tracks recurring transactions, subscriptions, and bills so you can see what is coming before it hits.

Question 17

Can I export my financial data?

Accepted Answer

Yes. From the Transactions page you can export the rows you are viewing as a CSV, including whatever filters you have on. CSV import is also available on the free plan if you are bringing history in from another app.

Question 18

How do I cancel my subscription?

Accepted Answer

You can cancel your subscription anytime from the settings page. We use Stripe to handle payments, so cancellation is straightforward and immediate.

Question 19

What happens if my bank connection disconnects?

Accepted Answer

If your bank connection disconnects, you'll need to re-authenticate with your bank through Plaid to reconnect. This usually happens if you change your bank password or if the connection expires for security reasons.

Question 20

How do I contact customer support?

Accepted Answer

You can email us at admin@copiacash.com or join our Discord server. We're a small team, so we actually read every email and message ourselves. We'll get back to you as soon as we can.

Question 21

Does Copia work offline?

Accepted Answer

No, Copia requires an internet connection to sync with your bank accounts and access your data. We don't currently support offline mode.

How Copia works

Budgeting

Transactions

Receipts

Planning

Frequently Asked Questions