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The basics

No. Copper has read-only access to your bank through Plaid and can’t move, send or withdraw money. Buckets are virtual: your money stays in your accounts, and a bucket is a record of what it’s for. See Buckets.
Left-to-spend starts with your checking and savings balances, then subtracts everything set aside in buckets and any pending charges. Your bank balance doesn’t know about either. Tap the number on the Dashboard to see the breakdown. See Left-to-Spend.
Your buckets hold more than your accounts do, so Copper shows Over-allocated. It usually happens after a funding run or a big purchase. Lower a spending or goal bucket to free up money, or wait for your next deposit. Heads-up alerts warn you before bills push it below zero.
Yes. The web app opens the same budget, with keyboard shortcuts and a command menu. Changes sync between the two almost instantly. See Copper on the web.
Yes. Get it from Google Play. It has the same features and look as the iPhone app, except Apple Pay logging, Siri and Shortcuts, Spotlight search and Lock Screen widgets. See Copper on Android.
Yes. Install Copper from the App Store on your iPad. On a big screen it shows your list and the details side by side, with the tabs down the left, and it works in any orientation and in Split View. On a Mac, use Copper on the web.
Yes. Export your transactions as a CSV and import it in Settings › Import From Another App. See Import from another app.
Yes. In Settings, tap Add New Budget under Budgets. Tap a budget in the list to switch to it. Each budget has its own buckets, banks, schedules and color theme. In its Budget Settings, tap the pencil on its picture to pick a color and a picture: an icon, an emoji, a photo, or a website’s icon (choose Website, paste a link like costco.com and tap Get icon).
Scroll to the bottom of Settings in the phone app and tap the version number. It opens the changelog at your version.

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Banks and syncing

Plaid checks each bank one to four times a day, depending on the bank, and Copper picks up anything new the moment Plaid has it. Each bank shows Bank updated 3h ago in Settings › Connected Accounts, so you can see when the bank last reported. Pulling to refresh reloads what’s already synced; it can’t make your bank report sooner. On Plus, Refresh now on a bank asks it to report right away, 5 times a month. See Refresh a bank now. If you use Apple Pay, Apple Pay logging shows a purchase the moment you tap.
Copper keeps showing the last numbers it loaded, with an Offline note under each page title that says how old they are, like “Showing numbers from 2h ago”. When you’re back online it catches up on its own.
Your bank wants you to sign in again. Open it in Settings › Connected Accounts and tap Reconnect. Your accounts and history stay as they are. See Connect a bank.
When you first link a bank, Copper brings in up to two years of history. Anything older than a week arrives quietly, without buckets, so old purchases don’t drain your new buckets. Rules put only new transactions in buckets (a rule’s category applies to past ones too). You can still open any transaction and choose a bucket.
Open the transaction, tap the bucket and pick the right one. The money moves back to the old bucket and comes out of the new one. To send that merchant there every time, tap the Always pill next to the bucket. See Auto-assign rules.

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Budgeting

A paycheck only counts if it’s from the same payer and at least half the usual amount, and lands no more than 4 days before payday (2 for weekly pay). If it’s late, the schedule runs anyway 3 days after payday. See Paychecks.
Not with Pause when money’s tight on. Round-ups then stop while a heads-up is active and never take left-to-spend below $0. With it off, they keep going regardless. See Round-ups.
A card bucket only catches purchases made after you switched the card on. Tap Cover the rest in Settings › Credit Card Buckets to set aside what you already owe. See Credit cards.

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Plans and sharing

No. Plans only limit how many banks each person can link. Someone who joins your budget and doesn’t link a bank doesn’t need a plan. See Plans & billing.
You keep it until the end of the period you’ve paid for. After that, Copper disconnects your linked banks and they stop updating. Your budgets, buckets and history stay. When you resubscribe, tap Reconnect on each bank in Settings › Connected Accounts and it picks up where it left off.
Everyone on a shared budget sees its buckets, bills, transactions and linked accounts. For something you’d rather keep to yourself, like a gift fund, create a private bucket. Its total still counts in left-to-spend, but only you see its name and activity.
Go to Settings and tap Delete Account. It disconnects every bank at Plaid and permanently deletes your budgets, buckets and transactions. Cancel any App Store or Google Play subscription separately. See Export & delete.

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Still stuck?

Getting started

Set up Copper from the beginning.

Security & privacy

How your accounts and data are protected.