I've been using Copilot for almost 2 years. I'd give it a +1.
I switched from YNAB since I wasn't really following the YNAB methodology and really just wanted something simpler (set a budget for a category & tell me at the end of the month how I did, and review my transactions for the day).
Some downsides:
* Some of the integrations are flaky (AMEX gets logged out almost every day, making me sign in again). Probably not copilot's fault, more like the plaid API.
* Meh about the yearly subscription. But hey, 95 dollars a year for something I use on a semi-regular basis isn't bad.
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