It costs nothing, and we will tell you if that changes.
Everything that exists today is free to use. No credit card, no trial clock, no feature held back to sell you later.
For everything on this page. The only thing that may ever cost money is the AI advisor, which is not built.
Create your free accountWhat you get for that
Accounts and transactions
Unlimited accounts and unlimited income, expense, transfer and payment records.
Envelope budgets
Unlimited categories, a limit per category per month, replicated forward when you want.
Savings goals
Including emergency-fund goals measured in months of runway.
Financial health score
Five weighted pillars, a letter grade on each, recalculated as you log.
CSV import
Column mapping, duplicate detection, and one-action batch undo.
Reports and PDF export
Category and account breakdowns, plus an optional monthly summary by email.
Client invoicing
Business identity, PDF invoices, email delivery, saved clients, payment details.
Export and deletion
Take your full transaction history out as CSV whenever you like, and delete the account when you are done.
What might cost money later
The AI advisor is the one feature with a real per-use cost behind it. It does not exist yet, so there is no plan to sign up for, no waiting list to join, and no price to quote. When there is, it will appear here and on the changelog first.
This section exists so that the free tier above is not quietly load-bearing on a promise nobody made.
Reasonable suspicions
What does “free to start” actually mean?
Every feature listed on this page is free right now, with no credit card, no trial period, and no usage cap. It is not a limited tier of a paid product; it is the product.
Will you start charging?
Possibly, for the AI advisor, because running a language model costs money per question. Nothing that is free today is planned to move behind a paywall, and any change would be announced on the public changelog before it took effect.
Why is there no price for Pro?
Because there is no Pro. Advertising a price for something that does not exist yet, or a trial for a tier nobody can use, would be inventing a product. When there is something to charge for, there will be a price here.
How do you make money right now?
We do not. It is built in the open by one developer, and the running costs are small because there is no bank-aggregation vendor to pay. There are no ads and your data is not sold.
Free to start. Nothing to cancel.
No credit card, no bank connection, no ads, and an export button if you want your data back out.