Google has just disabled third-party cookies for one percent of Chrome users, years after it first introduced its Privacy Sandbox project. The company announced late last year that it will kick things off by disabling cookies for a random one percent of Chrome users globally on January 4. Chrome owns more than half of the worldwide browser market share, and according to Gizmodo, that means Google has killed cookies for 30 million users. 

People included in this rollout will see a notification when they launch their browser telling them they're one of the first to experience Tracking Protection. It also explains that Tracking Protection limits sites from using third-party cookies to track them as they browse. Since this rollout is bound to break a few websites that have yet to adapt to a change that will affect most people who go on the internet, Google will allow users to temporary re-enable third-party cookies. They can do so by clicking on the eye icon that's now on their browser bar to toggle off the new feature. 

Google's Privacy Sandbox initiative, just like its name implies, was designed to be an alternative to cookies that will allow advertisers to serve users ads while also protecting their privacy. It assigns users to groups according to their interests, based on their recent browsing activities, and advertisers can use that information to match them with relevant ads. The system is supposed to be less invasive than cookies — all data and processing take place on the device itself, and Google says it will store user interests for three weeks. The project has caught the attention of regulators over concerns that it will make the company even more powerful than it already is. But if all goes well, Google will continue rolling out Tracking Protection over the next few months until it has disabled third-party cookies for all Chrome users by mid-2024. 

If you’re active on Facebook or Instagram, you might have noticed prompts about a setting called “link history.” The feature allows users to keep track of all of the links they visit via Facebook and Instagram’s in-app browsers.

According to Meta, the feature allows users to ensure they “never lose” a link. “Easily get back to recent links you’ve visited with your Facebook browsing activity now saved in one place,” an in-app notification about the feature says.

But, as Gizmodo points out, the feature also gives Meta a convenient way to improve its targeted advertising, which has taken a hit following Apple’s crackdown on app tracking. “Keep in mind that when link history is on, we may use link history information from Facebook’s Mobile Browser to improve your ads across Meta technologies,” the company notes in a support article.

Instagram has a similar feature, which keeps tabs on links users visit via the app’s browser. Though it seems many users are just now discovering the settings, a Meta spokesperson confirmed the features began rolling out last summer.

Though link history is not enabled by default, it’s the kind of setting many people may opt into without giving much thought, especially because the company markets it as a way to avoid “losing” links. That’s sparked concern among some privacy advocates who worry Meta is using increasingly sneaky ways to gather data about users’ online activity.

The good news, however, is that it’s easy to double check if you have link history enabled, and opt-out if you do.

On Facebook, users will need to open a link from within the app and tap on … menu to open the settings from the in-app browser. Then, look for the “link history” toggle. If it’s on, you’ll need to turn it off, and then confirm via the pop-up that you want it disabled.

Screenshots via Facebook

The process on Instagram is pretty much the same: Head to the in-app browser’s settings, look for “link history” and confirm your choice.

Of note, though both apps will immediately delete your link history from their respective apps, Meta says it can take up to 90 days “to complete the deletion process.” This means your previous browsing activity could still play a role in your targeted ads for several weeks after you’ve disabled link tracking.

Of course, the company still has numerous other ways of tracking your online activity, so opting out of link history alone won’t be enough to fully take back control of your data. Privacy conscious ad-haters who live in the European Union, however, do have another option, though it may be even less appealing. Meta recently began offering the ability for EU users to opt out of Facebook and Instagram ads entirely, in exchange for a rather hefty monthly fee.

A few days ago, Microsoft released a standalone Android app for Microsoft Copilot, giving you a quick way to access the AI assistant. Turns out the iOS and iPad versions weren't far behind, because they're now available from Apple's App Store. Just like in Copilot on desktop and other AI chatbots, such as ChatGPT, you can type in your question and wait for responses generated by artificial intelligence. In Copilot's case, you'll get responses spun by OpenAI's GPT-4, the company's latest large language model. The free version of ChatGPT, in comparison, is powered by the older ChatGPT-3.5, and you'll need to pay for ChatGPT Plus to get access to the newer model. 

In addition, Copilot on iOS has the capability to turn your words into images. That particular feature is powered by OpenAI's DALL-E 3 text-to-image AI system, which the company previously said is "significantly better" at being able to grasp the final product you want to achieve with the text prompt you type in. DALL-E 3 was also designed to be better at rendering the elements its predecessors were having trouble with, such as human hands. 

This is but the latest Copilot product Microsoft has released since it rebranded Bing Chat. The company also brought Copilot to Windows 10 and then to Windows 11, giving around a billion devices — based on the platforms' user numbers — access to the AI chatbot. With these mobile rollouts, Microsoft is expanding Copilot's reach even more, especially since the apps are free to use. 

In 2020, Google was hit with a lawsuit that accused it of tracking Chrome users' activities even when they were using Incognito mode. Now, after a failed attempt to get it dismissed, the company has agreed to settle the complaint that originally sought $5 billion in damages. According to Reuters and The Washington Post, neither side has made the details of the settlement public, but they've already agreed to the terms that they're presenting to the court for approval in February. 

When the plaintiffs filed the lawsuit, they said Google used tools like its Analytics product, apps and browser plug-ins to monitor users. They reasoned that by tracking someone on Incognito, the company was falsely making people believe that they could control the information that they were willing to share with it. At the time, a Google spokesperson said that while Incognito mode doesn't save a user's activity on their device, websites could still collect their information during the session. 

The lawsuit's plaintiffs presented internal emails that allegedly showed conversations between Google execs proving that the company monitored Incognito browser usage to sell ads and track web traffic. Their complaint accused Google of violating federal wire-tapping and California privacy laws and was asking up to $5,000 per affected user. They claimed that millions of people who'd been using Incognito since 2016 had likely been affected, which explains the massive damages they were seeking from the company. Google has likely agreed to settle for an amount lower than $5 billion, but it has yet to reveal details about the agreement and has yet to get back to Engadget with an official statement. 

Microsoft’s Copilot tool, the company’s AI chatbot that can do everything from help you write code to draft a marketing email, has made its way onto Android mobile devices. Copilot, which is powered by OpenAI's latest models GPT-4 and DALL-E 3, can also be used to generate images from simple text descriptions and requests. The app is available on the Google Play Store, is free to download and does not require a Microsoft account to sign in.

The rollout of a mobile version of Microsoft’s Copilot (formerly Bing Chat) was quiet — with little buzz and no formal announcements, unlike what we saw with the release of Bing Chat on mobile devices. The new Copilot app was released earlier this month and was initially spotted by Neowin when X users noticed it in the Play Store. Copilot is still not available on iOS though, and the company has yet to make any promises for a release date.

It only makes sense that Copilot has made its way to mobile devices (or at least on Android to start). Microsoft’s previous move to bring Copilot to Windows 10, after launching on Edge, Microsoft 365 products and Windows 11 — added an additional 1 billion devices that are eligible to use the AI assistant, signaling Microsoft’s deadset view on expansion. This coincides with the company’s recent updates to Copilot which include its video summarization capability and song creation feature.

Every time Microsoft launched a major AI feature this year, I couldn't help but feel more skeptical about the company's new direction. Here's Microsoft, a notoriously conservative and slow-moving giant, reshaping its products around artificial intelligence not long after most people learned generative AI existed. The last time it made such a dramatic shift we got Windows 8, a failed attempt at making its flagship OS tablet and touchscreen friendly.

Now, the company is bringing AI right into the heart of Windows and I'm left wondering: Is Microsoft jumping into artificial intelligence to actually make its products better? Or is it just trying to stake a claim as an AI innovator and pray that the technology actually lives up to the hype? At this point, it's genuinely hard to tell.

As the Zune, WebTV and Windows Phone have shown, Microsoft isn't so great at timing. Its products often either land too early to be useful (as in the case of the sluggish WebTV), or arrive far too late to make an impact (like the genuinely great Zune HD). But when the company unveiled its AI-powered Bing Chat earlier this year, it was perfectly positioned to coast on the success of ChatGPT, which by then had reportedly reached 100 million users in just two months. According to UBS analysts, that would have made ChatGPT the fastest growing consumer application in history. What better time to mate the power of generative AI with one of its notoriously beleaguered products? Microsoft had nothing to lose.

Justin Sullivan via Getty Images

After investing a total of $13 billion in ChatGPT-maker OpenAI (and acquiring a 49 percent stake in the process), Microsoft was probably eager to show off its shiny new toy ahead of Google and others. The introduction of Bing Chat officially kicked off Microsoft's year of AI: Copilot launched on Edge, Microsoft 365 products like Word and Powerpoint and eventually made its way to Windows 11. Even more surprising, the company recently announced that Copilot is coming to Windows 10 — a sign that it wants AI features in front of as many people as possible. (Windows 11 reportedly accounts for 26 percent of Windows installations, while Windows 10 still has 69 percent. By targeting both platforms Copilot could potentially reach up to 1.4 billion users.)

There's no doubt that Copilot makes a great first impression. Type in a few words (or speak them aloud), and it returns with direct answers to your questions, like a whip-smart assistant. There are no ads to wade through, and you only have to engage with additional links if you want. It's a glimpse at a world beyond search engines, one where AI could help guide us through an increasingly chaotic media landscape. Microsoft's Copilots can also help out in specific applications: In Edge it can summarize the webpage you're looking at; it can help to transcribe and generate action points in Teams Meetings; and it can help unearth hard to find settings in Windows (for example, you could just type "How do I turn on Night Mode?" to flip that on).

But Copilot's confident veneer hides the fact that it often makes errors and can occasionally misunderstand your questions entirely. It's far less responsive than using a typical search engine, as there's a lot of opaque AI processing happening in the background. And in my testing, it also crashes more often than you'd think, which requires a “reboot” of your session (but at least it doesn't flash a blue screen like Windows).

Microsoft

In an effort to temper our expectations, Microsoft has a helpful note emblazoned atop Bing's AI chat: "Bing is powered by AI, so surprises and mistakes are possible. Please share feedback so we can improve!" Microsoft appears to show a bit of humility here by acknowledging that its AI chat isn't perfect, and it's trying to earn some brownie points by saying it's listening to your feedback. Mostly, though, that warning serves as a way out for Microsoft. It can tout Copilot's ability to write essays for you and hold vaguely realistic conversations, but the minute it screws up, the company can just say, "It's just a beta, LOL!"

The big test for Microsoft's Copilots and other generative AI tools comes down to one thing: trust. Can a user trust that it'll deliver the relevant information when it asks a question? Can we be sure Copilow will even understand our query correctly? Aaron Woodman, Microsoft's VP of Windows Marketing, tells us that trust will ultimately come down to users "kicking the tires" for themselves and seeing how well Copilot performs. "I think that type of organic growth is one that we're going to see over time," he said in an interview with Engadget at the Windows Copilot launch in September. "And I bet it'll be explosive because the value is there, and I think customers will see that very quickly."

Microsoft

Woodman also believes that users will understand that Copilot won't always be perfect, especially during these early days. "I weirdly think we're probably more empathetic with people and understand where they're at with growth than we are with technology," he said. "I think the best thing that we can do is honestly own that, be transparent about it. At some level, every conversation we're in, we're trying to lean into [that] this is a growth process. We want to make sure you understand reference materials. I think people will understand that we're trying to accelerate bringing [new] technology to them."

I’ve been using Microsoft’s AI solutions since Bing Chat launched earlier this year, and while it’s helpful for simple tasks, like creating a specification table comparing two products, it hasn’t exactly changed the way I work. Microsoft also had to seriously restrict Bing Chat’s capabilities early on after it started arguing with users and issuing disturbing responses. In Windows 11, Copilot can sometimes help me find settings like dark mode, but it can’t always pull up the controls within the Copilot pane, and sometimes it just sends me to general settings menus if it can’t figure out what I’m asking for.

More recently, I’ve had disappointing conversations with Bing when I asked if it was a good time to buy a Nintendo Switch (it took some prodding for it to bring up rumors of a potential Switch follow-up coming next year), and its ability to answer questions around images is still less useful than Google’s image search.

When I took a photo of my kid’s baby monitor and asked “What is this?,” Bing was aware of its function, but it got the actual model and manufacturer wrong. That query also took five seconds to complete. The Google Image Search took half a second and correctly identified it as the Eufy Space Monitor. Score one for traditional search (and yes, I know it’s also powered by its own set of computer vision models).

Microsoft

We can look to Microsoft's Github Copilot, which launched in November 2021, as one way users can learn to work with AI. It's mainly meant to serve as a partner alongside an experienced programmer: It'll look out for potential issues and it can even whip up some simple code.

According to developer Aidan Tilgner, Github Copilot can be genuinely useful for coders, so long as you keep your expectations in check. In the paper "GitHub Copilot AI pair programming: Asset or Liability?" authors Arghavan Moradi Dakhel, Vahid Majdinasab, Amin Nikanjam, Foutse Khomh, Michel C.Desmarais, and Zhen Ming Jiang found Github Copilot similarly useful, but note "it can also become a liability if it is used by novices, those who may not be familiar with the problem context and correct coding methods."

"Copilot suggests solutions that might be buggy and difficult to understand, which may be accepted as correct solutions by novices," the authors add. "Adding such buggy and complex code into software projects can highly impact their quality."

By leaning so much on Copilots in the future, Microsoft may also be tying itself too closely to OpenAI, a young company that recently went through one of the most volatile weekends in Silicon Valley history. OpenAI’s board fired CEO Sam Altman, but after a significant amount of internal pressure (and some cajoling from Microsoft CEO Satya Nadella), it ultimately re-hired him a few days later. If OpenAI goes through another tumultuous event, it won’t just be Microsoft’s $13 billion investment in danger: It’ll be the company’s future plans for practically all of its products.

According to Windows Central, Microsoft’s next major Windows update, “Hudson Valley,” may arrive next year with a slew of AI enhancements in tow. That includes the ability to analyze content being displayed in video chats, an improved Copilot that can remember everything you’ve done on your PC, and better system-wide search. Some features may also require CPUs with NPUs, like AMD’s last batch of chips and Intel’s new Core Ultra hardware. That’s similar to the Windows Studio Effects features like background blurring and auto-framing, which also require NPUs.

The one constant around AI these days is that everything is changing quickly. Since I started writing this piece, Microsoft announced Copilot would be upgraded with the more powerful GPT-4 Turbo and Dall-E 3 models, which will make them even more capable. Perhaps Microsoft and OpenAI will eventually be able to fix all of the issues I’ve seen with Copilot so far, and ultimately deliver a transformative AI tool that’s easily available to everyone. But I also hoped for the best when it came to the company’s dual-screen Duo and Neo plans, and all I got in return was disappointment.

If you haven’t heard, the popular budgeting app Mint is about to go away. Parent company Intuit will shut down the service on March 24, 2024. The company suggests folks migrate to its other personal finance app, Credit Karma. Mint had 3.6 million active users as of 2021, according to Bloomberg, and I’m one of them. I use the app to track all of my accounts in one place without having to log into too many disparate banking apps. But I’ve also used it to monitor my credit score, stick to a monthly budget, and set goals like building a rainy-day fund or paying down my mortgage faster.

Intuit has not commented on whether it intends to fold Mint’s budgeting features into Credit Karma but as it stands, Credit Karma is not a Mint substitute: It’s meant to monitor your credit and, Intuit hopes, steer you toward credit cards and various other financial products.

So, over the past month, I’ve downloaded a good half-dozen competing money apps to see if any might cut it as a permanent Mint replacement. What follows is the guide I would have wanted to read: a comparison of budgeting apps that promise to track your net worth and spending in one place. Join me as I fall down a rabbit hole.

How we tested

First, I had to do some research. To find a list of apps to test, I consulted trusty ol’ Google (and even trustier Reddit); read reviews of popular apps on the App Store; and also asked friends and colleagues what budget tracking apps they might be using. Some of the apps I found were free, just like Mint. These, of course, show loads of ads (excuse me, “offers”) to stay in business. But most of the available apps require paid subscriptions, with prices typically topping out around $100 a year, or $15 a month. (Spoiler: My top pick is cheaper than that.)

Since this guide is meant to help Mint users find a permanent replacement, any services I chose to test needed to do several things: import all of your account data into one place; offer budgeting tools; and track your spending, net worth and credit score. Except where noted, all of these apps are available for iOS, Android and on the web.

Once I had my shortlist of six apps, I got to work setting them up. For the sake of thoroughly testing these apps (and remember, I really was looking for a Mint alternative myself), I made a point of adding every account to every tracking app, no matter how small or immaterial the balance. What ensued was a veritable Groundhog Day of two-factor authentication. Just hours of entering passwords and one-time passcodes, for the same banks half a dozen times over. Hopefully, you only have to do this once.

What is Plaid and how does it work?

Dana Wollman / Engadget

Each of the apps I tested uses the same underlying network, called Plaid, to pull in financial data, so it’s worth explaining up top what it is and how it works. Plaid was founded as a fintech startup in 2013 and is today the industry standard in connecting banks with third-party apps. Plaid works with over 12,000 financial institutions across the US, Canada and Europe. Additionally, more than 8,000 third-party apps and services rely on Plaid, the company claims.

To be clear, you don’t need a dedicated Plaid app to use it; the technology is baked into a wide array of apps, including the budget trackers I tested for this guide. Once you find the “add an account” option in whichever one you’re using, you’ll see a menu of commonly used banks. There’s also a search field you can use to look yours up directly. Once you find yours, you’ll be prompted to enter your login credentials. If you have two-factor authentication set up, you’ll need to enter a one-time passcode as well.

As the middleman, Plaid is a passthrough for information that may include your account balances, transaction history, account type and routing or account number. Plaid uses encryption, and says it has a policy of not selling or renting customer data to other companies. However, I would not be doing my job if I didn’t note that in 2022 Plaid was forced to pay $58 million to consumers in a class action suit for collecting “more financial data than was needed.” As part of the settlement, Plaid was compelled to change some of its business practices.

In a statement provided to Engadget, a Plaid spokesperson said the company continues to deny the allegations underpinning the lawsuit and that “the crux of the non-financial terms in the settlement are focused on us accelerating workstreams already underway related to giving people more transparency into Plaid’s role in connecting their accounts, and ensuring that our workstreams around data minimization remain on track.”

How to import your financial data from Mint

If only importing data from Mint were as easy as entering your credentials from inside your new budgeting app and hitting “import.” In fact, any app that advertises the ability to port over your stats from Mint is just going to have you upload a CSV file of transactions and other data.

To download a CSV file from Mint, do the following:

1. Sign into Mint.com and hit Transactions in the menu on the left side of the screen.

2. Select an account, or all accounts.

3. Scroll down and look for “export [number] transactions” in smaller print.

4. Your CSV file should begin downloading.

Note: Downloading on a per-account basis might seem more annoying, but could help you get set up on the other side, if the app you’re using has you importing transactions one-for-one into their corresponding accounts.

The best budgeting app overall: Quicken Simplifi

No pun intended, but what I like about Quicken Simplifi is its simplicity. Whereas other apps try to distinguish themselves with dark themes and customizable emoji, Simplifi has a clean user interface, with a landing page that you just keep scrolling through to get a detailed overview of all your stats. These include your top-line balances; net worth; recent spending; upcoming recurring payments; a snapshot of your spending plan; top spending categories; achievements; and any watchlists you’ve set up. You can also set up savings goals elsewhere in the app. I also appreciate how it offers neat, almost playful visualizations without ever looking cluttered. I felt at home in the mobile and web dashboards after a day or so, which is faster than I adapted to some competing services (I’m looking at you, YNAB and Monarch).

Getting set up with Simplifi was mostly painless. I was particularly impressed at how easily it connected to Fidelity; not all budget trackers do, for whatever reason. This is also one of the only services I tested that gives you the option of inviting a spouse or financial advisor to co-manage your account.

Dana Wollman / Engadget

In practice, Simplifi miscategorized some of my expenses, but nothing out of the ordinary compared to any of these budget trackers. As you’re reviewing transactions, you can also mark if you’re expecting a refund, which is a unique feature among the services I tested. Simplifi also estimated my regular income better than some other apps I tested. Most of all, I appreciated the option of being able to categorize some, but not all, purchases from a merchant as recurring. For instance, I can add my two Amazon subscribe-and-saves as recurring payments, without having to create a broad-strokes rule for every Amazon purchase.

The budgeting feature is also self-explanatory. Just check that your regular income is accurate and be sure to set up recurring payments, making note of which are bills and which are subscriptions. This is important because Simplifi shows you your total take-home income as well as an “income after bills” figure. That number includes, well, bills but not discretionary subscriptions. From there, you can add spending targets by category in the “planned spending” bucket. Planned spending can also include one-time expenditures, not just monthly budgets. When you create a budget, Simplifi will suggest a number based on a six-month average.

Not dealbreakers, but two things to keep in mind as you get started: Simplifi is notable in that you can’t set up an account through Apple or Google. There is also no option for a free trial, though Quicken promises a “30-day money back guarantee.”

The best budgeting app (runner-up): Monarch Money

Monarch Money grew on me. My first impression of the app, which was founded by a former Mint product manager, was that it's more difficult to use than others on this list, including Simplifi, NerdWallet and Copilot. And it is. Editing expense categories, adding recurring transactions and creating rules, for example, is a little more complicated than it needs to be, especially in the mobile app. (My advice: Use the web app for fine-tuning details.) Monarch also didn’t get my income right; I had to edit it.

Once you’re set up, though, Monarch offers an impressive level of granularity. In the budgets section, you can see a bona fide balance sheet showing budgets and actuals for each category. You'll also find a forecast, for the year or by month. And recurring expenses can be set not just by merchant, but other parameters as well. For instance, while most Amazon purchases might be marked as “shopping,” those for the amounts of $54.18 or $34.18 are definitely baby supplies, and can be automatically marked as such each time, not to mention programmed as recurring payments. Weirdly, though, there’s no way to mark certain recurring payments as bills, specifically.

Dana Wollman / Engadget

The mobile app is mostly self-explanatory. The main dashboard shows your net worth; your four most recent transactions; a month-over-month spending comparison; income month-to-date; upcoming bills; an investments snapshot; a list of any goals you’ve set; and, finally, a link to your month-in-review. That month-in-review is more detailed than most, delving into cash flow; top income and expense categories; cash flow trends; changes to your net worth, assets and liabilities; plus asset and liability breakdowns.

On the main screen, you’ll also find tabs for accounts, transactions, cash flow, budget and recurring. Like many of the other apps featured here, Monarch can auto-detect recurring expenses and income, even if it gets the category wrong. (They all do to an extent.) Expense categories are marked by emoji, which you can customize if you’re so inclined.

Monarch Money uses a combination of Plaid and Finicity, a competing network owned by Mastercard. Similar to NerdWallet, I found myself completing two-factor authentication every time I wanted to get past the Plaid screen to add another account. Notably, Monarch is the only other app I tested that allows you to grant access to someone else in your family — likely a spouse or financial advisor. Monarch also has a Chrome extension for importing from Mint, though really this is just a shortcut for downloading a CSV file, which you’ll have to do regardless of where you choose to take your Mint data.

The best up-and-comer: Copilot Money

Copilot Money might be the best-looking budget tracker I tested. It also has the distinction of being exclusive to iOS and Macs — at least for now. Andres Ugarte, the company’s CEO, has publicly promised that Android and web apps are coming in 2024 (more likely the second half of the year, Ugarte tells me). But until it follows through, I can’t recommend Copilot for most people with so many good competitors out there.

There are other features that Copilot is missing, which I’ll get into. But it is promising, and one to keep an eye on. It’s just a fast, efficient, well designed app, and Android users will be in for a treat when they’ll finally be able to download it. It makes good use of colors, emoji and graphs to help you understand at a glance how you’re doing on everything from your budgets to your investment performance to your credit card debt over time. In particular, Copilot does a better job than almost any other app of visualizing your recurring monthly expenses.

Behind those punchy colors and cutesy emoji, though, is some sophisticated performance. Copilot’s AI-powered “Intelligence” gets smarter as you go at categorizing your expenses. (You can also add your own categories, complete with your choice of emoji.) It’s not perfect. Copilot miscategorized some purchases (they all do), but it makes it easier to edit than most. On top of that, the internal search feature is very fast; it starts whittling down results in your transaction history as soon as you begin typing.

Dana Wollman / Engadget

Copilot is also unique in offering Amazon and Venmo integrations, allowing you to see transaction details. With Amazon, this requires just signing into your Amazon account via an in-app browser. For Venmo, you have to set up fwd@copilot.money as a forwarding address and then create a filter, wherein emails from venmo@venmo.com are automatically forwarded to fwd@copilot.money.

While the app is heavily automated, I still appreciate that Copilot marks new transactions for review. It’s a good way to both weed out fraudulent charges, and also be somewhat intentional about your spending habits.

Because the app is relatively new (it launched in early 2020), the company is still catching up to the competition on some table-stakes features. Ugarte told me that his team is almost done building out a detailed cash flow section, which could launch before the end of 2023, but more likely in early 2024. On its website, Copilot also promises a raft of AI-powered features that build on its current “Intelligence” platform, the one that powers its smart expense categorization. These include “smart financial goals,” natural language search, a chat interface, forecasting and benchmarking. That benchmarking, Ugarte tells me, is meant to give people a sense of how they’re doing compared to other Copilot users, on both spending and investment performance. Most of these features should arrive in the ne

Copilot does a couple interesting things for new customers that distinguish it from the competition. There’s a “demo mode” that feels like a game simulator; no need to add your own accounts. The company is also offering two free months with RIPMINT — a more generous introductory offer than most. When it finally does come time to pony up, the $7.92 monthly plan is cheaper than some competing apps, although the $95-a-year-option is in the same ballpark.

The best free budgeting app: NerdWallet

You may know NerdWallet as a site that offers a mix of personal finance news, explainers and guides. I see it often when I google a financial term I don’t know and sure enough, it’s one of the sites I’m most likely to click on. As it happens, NerdWallet also has the distinction of offering one of the only free budget tracking apps I tested. In fact, there is no paid version; nothing is locked behind a paywall. The main catch: There are ads everywhere. To be fair, the free version of Mint was like this, too.

Even with the inescapable credit card offers, NerdWallet has a clean, easy-to-understand user interface, which includes both a web and a mobile app. The key metrics that it highlights most prominently are your cash flow, net worth and credit score. (Of note, although Mint itself offered credit score monitoring, most of its rivals do not.) I particularly enjoyed the weekly insights, which delve into things like where you spent the most money or how much you paid in fees — and how that compares to the previous month. Because this is NerdWallet, an encyclopedia of financial info, you get some particularly specific category options when setting up your accounts (think: a Roth or non-Roth IRA).

Dana Wollman / Engadget

As a budgeting app, NerdWallet is more than serviceable, if a bit basic. Like other apps I tested, you can set up recurring bills. Importantly, it follows the popular 50/30/20 budgeting rule, which has you putting 50% of your budget toward things you need, 30% toward things you want, and the remaining 20% into savings or debt repayments. If this works for you, great — just know that you can’t customize your budget to the same degree as some competing apps. You can’t currently create custom spending categories, though a note inside the dashboard section of the app says “you’ll be able to customize them in the future.” You also can’t move items from the wants column to “needs” or vice versa but “In the future, you'll be able to move specific transactions to actively manage what falls into each group.” A NerdWallet spokesperson declined to provide an ETA, though.

Lastly, it’s worth noting that NerdWallet had one of the most onerous setup processes of any app I tested. I don’t think this is a dealbreaker, as you’ll only have to do it once and, hopefully, you aren’t setting up six or seven apps in tandem as I was. What made NerdWallet’s onboarding especially tedious is that every time I wanted to add an account, I had to go through a two-factor authentication process to even get past the Plaid splash screen, and that’s not including the 2FA I had set up at each of my banks. This is a security policy on NerdWallet’s end, not Plaid’s, a Plaid spokesperson says.

Precisely because NerdWallet is one of the only budget trackers to offer credit score monitoring, it also needs more of your personal info during setup, including your birthday, address, phone number and the last four digits of your social security number. It’s the same with Credit Karma, which also does credit score monitoring.

Related to the setup process, I found that NerdWallet was less adept than other apps at automatically detecting my regular income. In my case, it counted a large one-time wire transfer as income, at which point my only other option was to enter my income manually (which is slightly annoying because I would have needed my pay stub handy to double-check my take-home pay).

Budgeting apps we also tested

YNAB

YNAB is, by its own admission, “different from anything you’ve tried before.” The app, whose name is short for You Need a Budget, promotes a so-called zero-based budgeting system, which forces you to assign a purpose for every dollar you earn. A frequently used analogy is to put each dollar in an envelope; you can always move money from one envelope to another in a pinch. These envelopes can include rent and utilities, along with unforeseen expenses like holiday gifts and the inevitable car repair. The idea is that if you budget a certain amount for the unknowns each month, they won’t feel like they’re sneaking up on you.

Importantly, YNAB is only concerned with the money you have in your accounts now. The app does not ask you to provide your take-home income or set up recurring income payments (although there is a way to do this). The money you will make later in the month through your salaried job is not relevant, because YNAB does not engage in forecasting.

The app is harder to learn than any other here, and it requires more ongoing effort from the user. And YNAB knows that. Inside both the mobile and web apps are links to videos and other tutorials. Although I never quite got comfortable with the user interface, I did come to appreciate YNAB’s insistence on intentionality. Forcing users to draft a new budget each month and to review each transaction is not necessarily a bad thing. As YNAB says on its website, “Sure, you’ve got pie charts showing that you spent an obscene amount of money in restaurants — but you’ve still spent an obscene amount of money in restaurants.” I can see this approach being useful for people who don’t tend to have a lot of cash in reserve at a given time, or who have spending habits they want to correct (to riff off of YNAB’s own example, ordering Seamless four times a week).

My colleague Valentina Palladino, knowing I was working on this guide, penned a respectful rebuttal, explaining why she’s been using YNAB for years. Perhaps, like her, you have major savings goals you want to achieve, whether it’s paying for a wedding or buying a house. I suggest you give her column a read. For me, though, YNAB’s approach feels like overkill.

PocketGuard

PocketGuard is one of the only reputable free budget trackers I found in my research. Just know it’s far more restricted at the free tier than NerdWallet or Mint. In my testing, I was prompted to pay after I attempted to link more than two bank accounts. So much for free, unless you keep things simple with one cash account and one credit card. When it comes time to upgrade to PocketGuard Plus, you have three options: pay $7.99 a month, $34.99 a year or $79.99 for a one-time lifetime license. That lifetime option is actually one of the few unique selling points for me: I’m sure some people will appreciate paying once and never having to, uh, budget for it again.

From the main screen, you’ll see tabs for accounts, insights, transactions and the “Plan,” which is where you see recurring payments stacked on top of what looks like a budget. The main overview screen shows you your net worth, total assets and debts; net income and total spending for the month; upcoming bills; a handy reminder of when your next paycheck lands; any debt payoff plan you have; and any goals.

Dana Wollman / Engadget

Like some other apps, including Quicken Simplifi, PocketGuard promotes an “after bills” approach, where you enter all of your recurring bills, and then PocketGuard shows you what’s left, and that’s what you’re supposed to be budgeting: your disposable income. Obviously, other apps have a different philosophy: take into account all of your post-tax income and use it to pay the bills, purchase things you want and maybe even save a little. But in PocketGuard, it’s the “in your pocket” number that’s most prominent. To PocketGuard’s credit, it does a good job visualizing which bills are upcoming and which ones you’ve already paid.

PocketGuard has also publicly committed to adding some popular features in early 2024. These include rollover budgeting in January 2024, categorization rules in February and shared household access in March.

Dana Wollman / Engadget

Although PocketGuard’s UI is easy enough to understand, it lacks polish. The “accounts” tab is a little busy, and doesn’t show totals for categories like cash or investments. Seemingly small details like weirdly phrased or punctuated copy occasionally make the app feel janky. More than once, it prompted me to update the app when no updates were available. The web version, meanwhile, feels like the mobile app blown up to a larger format and doesn’t take advantage of the extra screen real estate.

Of note, although PocketGuard does work with Plaid, its primary bank-connecting platform is actually Finicity. Setting up my accounts through Finicity was mostly a straightforward process. I did encounter one hiccup: Finicity would not connect to my SoFi account. I was able to do it through Plaid, but PocketGuard doesn’t make it easy to access Plaid in the app. The only way, as far as I can tell, is to knowingly search for the name of a bank that isn’t available through Finicity, at which point you get the option to try Plaid instead. Like I said: the experience can be janky.

Beeper vs Apple has been our own little David and Goliath matchup, but it looks like the saga’s coming to a close. The Beeper Mini chat app has issued yet another fix after Apple once again disabled access to the iMessage platform. The company says this will be the last fix released. Beeper wrote in a blog post today that it's done “playing a cat-and-mouse game with the largest company" on the planet. 

“With our latest software release, we believe we’ve created something that Apple can tolerate existing. We do not have any current plans to respond if this solution is knocked offline,” the company wrote.

So what’s the latest workaround? It’s certainly not a simple patch. It involves pairing your current mobile device with a Mac or an old iPhone. Mac users with Beeper Cloud should be able to simply update and reconnect, though not all macOS versions will support the software update. You can also ask a friend with a Mac and Beeper Cloud to share their iMessage registration code, which can be used with the desktop app.

Finally, you can jailbreak an old iPhone (6/6s/7/8/X), install Beeper’s tool to generate an iMessage registration code and update to the latest Beeper Mini app to enter the code and access the service. The company’s also renting and selling jailbroken iPhones for this task. Jailbreaking an iPhone, after all, can be confusing for beginners.

On the upside, the company says these fixes work well and even bring blue phone numbers back to the Beeper Mini experience. However, if you don’t have a Mac or an old iPhone, or access to either, you’re pretty much out of luck. Beeper says it’ll hold onto your chat history if you happen upon an old gadget at some point in the future. 

This has been a month-long battle between the two companies, which started with the launch of the Beeper Mini app. This app offered true iMessage support to Android devices via a software exploit. Just a few days later, the app went on the fritz after Apple blocked the exploit. This led to more complicated fixes on Beeper’s part, with one requiring an official Apple ID and another requiring a Mac computer. Apple found ways around all of them, which actually spurred US lawmakers to call for a DOJ probe.

If Apple blocks this final fix, that’ll be it for Beeper Mini, but the company has made the software open-source for other folks looking to give it a go. Beeper may be giving up on iMessage integration, but it's powering full-steam ahead with its primary chat app. The company promises it’ll work throughout 2024 to turn it into the “best chat app on Earth.”

Windows Mixed Reality is heading to a farm upstate. Microsoft is shutting down the platform, according to an official list of deprecated Windows features. This includes the garden variety Windows Mixed Reality software, along with the Mixed Reality Portal app and the affiliated Steam VR app. The platform isn’t gone yet, but Microsoft says it’ll be “removed in a future release of Windows.”

Microsoft first unveiled Windows Mixed Reality back in 2017 as its attempt to compete with rivals in the VR space, like HTC and Oculus (which is now owned by Meta.) We were fascinated by the tech when it first launched, as it offered the ability for in-person shared mixed reality. The pricey Apple Vision Pro could offer a similar experience when it presumably launches in February.

Microsoft’s platform was ultimately adopted by several VR headsets, like the HP Reverb G2 and others manufactured by companies like Acer, Asus and Samsung. The Windows Mixed Reality Portal app allowed access to games, experiences and plenty of work-related productivity apps. However, it looks like the adoption rate wasn’t up to snuff, as indicated by today’s news.

Despite the imminent end to the platform, it doesn’t look to be impacting Microsoft’s other mixed-reality ecosystem, the HoloLens 2. Microsoft added a Windows 11 upgrade and other improvements for the business-focused headset earlier this year, according to The Verge. It also started shipping them out to the Army for combat tests. Yes. You read that last part right.

However, not everything’s rosy in HoloLens land. Reports indicate that Microsoft has stopped development on the HoloLens 3. A report in 2022 said that the company teamed up with Samsung to make an unannounced mixed-reality device, but Microsoft spokesperson Frank Shaw said that Microsoft remains "committed to HoloLens and future HoloLens development."

Additionally, Microsoft has made sweeping cuts throughout its VR division, leading to layoffs and the discontinuation of the AltspaceVR app. The company is, however, still developing its proprietary Mesh app that lets co-workers meet in a virtual space without a headset.

Samsung has added a new medication tracking feature to its Health app and it's expected to launch in the US when the app updates later this week. Using the new feature, you can set up alerts to remind yourself when to take medications and get reminders for when to request refills from your doctor.

When you enter a new medication into the app, you can log the shape and color of the pill, information about your prescribed dosage and the time you are scheduled to take the medication. The tool, which competes with the likes of GoodRx and Apple’s Medication app, will give you an overview of a drug’s use and possible side effects, including warnings about potential contraindications. Samsung says the information found within the app is backed by evidence-based content licensed from Elsevier, a publishing company that specializes in medical content.

To start using the new medication tracking tool when it launches, you need a smartphone with at least Android 8.0 and your Samsung Health app version needs to be updated to version 6.26 or later. The feature’s availability also might vary by device.