---
title: 'Senior Fullstack Engineer at Copilot Money'
canonical: 'https://feeny.ai/job/senior-fullstack-engineer-copilot-money-new-york-bwda0wwfm32g'
type: 'job'
last_seen: '2026-09-06'
---

# Senior Fullstack Engineer at Copilot Money

- **Company:** Copilot Money
- **Location:** New York, NY
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-05-22
- **Last confirmed live:** 2026-09-06
- **Apply:** https://jobs.ashbyhq.com/copilot-money/3debb1d6-7d68-4a4f-b546-f97cf51b0307

## Job description

## Who we are

Copilot Money is on a mission to help people stress less about money. We’re building a new kind of financial platform that empowers people to take control of their finances, make informed decisions, and achieve their goals. We're a high-energy, fast-paced startup looking for determined, hands-on folks to join our team and make a real impact on people's financial lives.

## The Role

As a Senior Fullstack Engineer at Copilot Money, you'll be a key contributor on a small, high-ownership engineering team building one of the most trusted personal finance apps in the market. You'll work across the full stack on features that matter - bringing strong technical judgment, a bias for shipping, and a genuine enthusiasm for using AI tools as part of how you build.

This is a hybrid position based in New York City you’ll be required to come into our office at least 2 times a week along with the rest of the team. We work from home the rest of the week, but the office is always available in case you want to make use of it more often.

## Key Responsibilities

- Own end-to-end delivery of product features spanning web client and backend systems, from technical design through launch and iteration.
- Design and implement backend APIs, data models, and services that power Copilot Money's core financial features.
- Partner closely with Product and Design in a build-as-you-plan process - comfortable moving forward with incomplete inputs and refining solutions through real usage.
- Contribute to architecture decisions and raise the bar for code quality, testing, and operational reliability within your team.
- Actively use AI tools and models as part of your daily development workflow.
- Identify and address technical debt and risks proactively, with a pragmatic approach to balancing speed and maintainability.

Required Qualifications

- 6+ years of professional software engineering experience with significant ownership of shipped products.
- Strong experience building web apps, with production work in Node.js, React, and TypeScript.
- Strong backend engineering skills, including designing APIs, data models, and scalable services.
- Experience with a major cloud provider (GCP, Cloudflare, or AWS).
- A bonus if you have experience with: agentic interfaces/tools, Progress Web Apps, Firebase, real-time systems, Mobile apps, CI / CD systems
- Comfortable working across the full stack with minimal hand-offs between client and server work.
- Hands-on, day-to-day user of AI coding tools (e.g. Claude, Cursor, Gemini) - not just curious about AI, but actively integrating it into how you build.
- Strong system design fundamentals and comfort making technical tradeoffs under ambiguity.
- Clear communicator who works well with product, design, and fellow engineers.
- Team player who can manage time independently.
- Based in NYC.

Why should you work with us?

- A product people love: Copilot users are extremely engaged with the app and are sharing it with their friends and family.
- A team that cares: We’re a bunch of geeks who care about data quality and good coffee. We go the extra mile when it comes to making our users happy (and making an excellent pour-over).
- Significant impact: We are currently a small, thirty-five-person team with big ambitions. Our team has previous experience at companies like Google and Apple.
- Multicultural team: We’re based in NYC 🇺🇸 and in Santiago, Chile 🇨🇱.
- Great company culture: You’ll work with a highly collaborative team that’s always learning and ready to help each other out.

## Compensation and Benefits

- The expected salary range for this role is $185k - $215k. However, the starting base pay will depend on a number of factors including the candidate’s location, skills, experience, market demands, and internal pay parity.
- Equity in the company
- Health, Dental & Vision Insurance (company pays 100% premium for employee)
- 401k matching up to 4%
- Home Office Setup, and monthly Internet reimbursement (up to $80/month)
- Wellness Reimbursement ($100/month)
- 4 weeks of PTO. After 2 years in the company you get 5 extra vacation days, and 5 more after 4 years.
- Annual company retreats

At Copilot Money, we believe that diverse teams build better products. We strongly encourage applications from individuals of all backgrounds, regardless of race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.

Join us in our mission to help the world stress less about money and create financial clarity for all!

## About Copilot Money

## Company Overview
- **One-liner**: Copilot Money builds a beautifully designed, privacy-focused personal finance app that helps users track spending, budgets, investments, and net worth across all their accounts.
- **Entity Type**: Private (Series A, $6M total funding)
- **Headquarters**: New York, New York, United States
- **Founded**: 2019
- **Founders**: Andres Ugarte (Founder & CEO)

## Core Business
- Primary industry: Personal finance software / Fintech
- Target customers: B2C – individuals seeking a smart, private, and delightful money management tool
- Mission statement: "Let's do money better" and "empower everyone to be in control of their money"

## Products & Services
- **Copilot Money App**: A subscription-based personal finance tracker available on iPhone, iPad, Mac, and Web. Features include automated transaction tagging (AI-powered), budgeting with rollovers, net worth tracking (including stocks, crypto, real estate), cash flow analysis, subscription spotting, and personalized recommendations. Pricing is $95/year ($7.92/month) with a free trial. [copilot.money](https://www.copilot.money/)
- **Savings Goals**: A feature allowing users to plan, track, and stay motivated toward savings targets. [linkedin.com](https://www.linkedin.com/company/copilotmoney)
- **Money Assistant (Beta)**: Launched in 2026 as an AI-powered assistant within the app. [linkedin.com](https://www.linkedin.com/company/copilotmoney)
- **Copilot Money MCP (Beta)**: A Model Context Protocol integration enabling external AI tools to interact with user financial data. [linkedin.com](https://www.linkedin.com/company/copilotmoney)

## Market Standing
- **Valuation/Market Cap**: Not publicly available
- **Key Metric**: Total funding of $6.0M (Series A led by Adjacent in March 2024; prior seed round in 2020 led by Restive) [linkedin.com](https://www.linkedin.com/company/copilotmoney)
- **Notable Investors/Partners**: Adjacent (lead Series A), Restive (lead non-equity assistance), and other undisclosed investors.
- **Growth Signals**: 200,000+ highly engaged users; headcount grew 39.3% year-over-year to 27 employees; launched web version in 2025 (previously iOS/Mac only); expanded team to Chile and Portugal; active hiring across engineering and design roles. [copilot.money/careers](https://www.copilot.money/careers) [linkedin.com](https://www.linkedin.com/company/copilotmoney)

## Competitive Advantages
- **Privacy-first**: No ads, no gimmicks, and no selling of user data. The company focuses entirely on building a great product.
- **Beautiful design**: Known for a well-crafted, delightful user experience that sets it apart from traditional budgeting apps.
- **AI-powered automation**: Automatically learns spending patterns and tags transactions, improving with use.
- **Comprehensive tracking**: Aggregates all accounts (bank, investments, crypto, real estate) in one screen with live estimates.
- **Strong user base**: 200,000+ very engaged users provide real-world feedback and product validation.

## Strategic Focus
- **Web expansion**: After two years of development, Copilot Money launched a web version to make the app universally accessible. [linkedin.com](https://www.linkedin.com/company/copilotmoney)
- **AI and automation**: Continued investment in AI features like the Money Assistant beta and MCP integration.
- **Product depth**: Introducing features like Savings Goals and improving budgeting, rollovers, and cash flow tools.
- **Team growth**: Actively hiring senior engineers and designers across New York and Santiago, with plans to scale the team further.

## Why Work Here
- **Equity for every team member**: All employees receive ownership in the company. [copilot.money/careers](https://www.copilot.money/careers)
- **Meaningful work**: Your work is used by 200,000+ engaged users who rely on the app daily.
- **Hybrid/remote flexibility**: In-person collaboration a few days a week; home office stipend provided. [copilot.money/careers](https://www.copilot.money/careers)
- **Competitive benefits**: 100% paid medical, dental, and vision (US employees); 401k matching (4%); wellness reimbursement; extra vacation days after tenure (5 extra after 2 years, 5 more after 4 years). [copilot.money/careers](https://www.copilot.money/careers)
- **Annual team offsites**: Recent offsite in Cancun for team bonding. [copilot.money/careers](https://www.copilot.money/careers)
- **Engineering culture**: Strong technical team with alumni from Apple, Stripe, Goldman Sachs; modern tech stack (Swift, TypeScript, React, Firebase, Cloudflare). [linkedin.com](https://www.linkedin.com/company/copilotmoney)
- **Global team**: Offices in New York (HQ) and Santiago, Chile, with remote presence in Portugal.

## Sources
1. [copilot.money/careers](https://www.copilot.money/careers)
2. [copilot.money/about](https://www.copilot.money/about)
3. [copilot.money](https://www.copilot.money/)
4. [builtin.com](https://builtin.com/company/copilot-money)
5. [linkedin.com](https://www.linkedin.com/company/copilotmoney)

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