Frequently Asked Questions

Money Co-Pilot is an AI-powered personal finance platform built for India. It connects your bank accounts, demat accounts and credit cards through the RBI Account Aggregator framework, then gives you one dashboard for budgeting, net-worth tracking, tax insights and goal planning.

We're in pre-launch. Join the early-access waitlist and we'll email you an invite the moment early access opens — early members get extended access to Pro features.

Money Co-Pilot launches as a web app with mobile apps for Android and iOS to follow. Your data stays in sync across all of them.

No. Money Co-Pilot is a tracking and analytics tool for your own money — it surfaces information like spending patterns, tax headroom and portfolio performance, but it does not provide personalised investment advice. We'll publish our full regulatory status before launch.

Yes. We use AES-256 encryption at rest and in transit, and read-only API access via RBI-regulated Account Aggregators — the same class of infrastructure India's banks use.

Never. Our access is strictly read-only by design. We can see the data you consent to share; we cannot transfer, invest, or withdraw anything.

No. You authenticate directly with your bank or broker through official gateways. Your credentials never touch our servers.

It's an RBI-regulated consent system for sharing financial data. You decide exactly which accounts to share, for what purpose, and for how long — and you can revoke access at any time. Read our blog post on Account Aggregators for the full picture.

No. We don't sell your personal financial data to third parties, and we don't run targeted ads against your transactions. Our business model is subscriptions, not your data.

Yes. You can revoke account connections at any time through the Account Aggregator, and request full deletion of your Money Co-Pilot data from within the app or by emailing support.

Money Co-Pilot connects to 200+ Indian institutions through the Account Aggregator framework — major banks, brokers and credit card providers. If your institution supports Account Aggregator, it will work.

Under 5 minutes from signup to a full net-worth view. Linking each account takes about 2 minutes through your institution's official consent flow.

Join the waitlist with just your name and email — no credit card, no commitment. We onboard in batches and you'll get an email when it's your turn.

The Starter plan is free. Pro (₹799/month billed yearly) adds automatic bank sync, tax harvesting AI and unlimited portfolios. Premium (₹1,999/month billed yearly) adds CA consultation and ITR filing. See the pricing page for full details.

Yes. Starter is free for good, and early-access members get extended access to Pro features when we launch.

Absolutely. Cancel from the app in two clicks — no cancellation fees, no questions asked.