Simple, transparent pricing
Start free with Safe-to-Spend included, forever. Upgrade when you want automation, deeper insights, and household collaboration.
Choose one plan. Household already includes everything in Personal.
All prices in CAD
Free
Know what’s safe to spend, and track it all. Free, with no time limit.
- Safe-to-Spend, your real number
- Manual transaction entry
- CSV import from Canadian banks
- Custom categorization rules
- 5 budget strategies with rollover
- Goal tracking & progress
- Multi-currency support (CAD baseline)
- Recurring transaction detection
- Basic spending reports
- Net worth tracking
- Data export (JSON)
- Bank sync via Plaid(Personal+)
- Automatic categorization(Personal+)
- Household collaboration(Household)
Personal
Just $4.08/mo
Advanced automation and insights for individuals.
- Everything in Free, plus:
- Bank sync via Plaid
- Automatic categorization
- Automatic merchant tagging
- Tax-aware tracking (RRSP, TFSA & FHSA)
- Cash-flow planning tools
- Debt payoff planning tools
- Budget projections
- Advanced reports & analytics
- Custom dashboard
- Priority email support
Household
Just $5.75/mo
$34.50/yr each when two of you split it
Manage your family finances together, one plan covers both of you.
- Everything in Personal, plus:
- Shared goals & budgets with your partner
- Invite family members to collaborate
- Role-based access controls
- 2 members included, split the cost
- Early access to new features
Not sure which plan? Compare Personal vs Household
Compare Plans
| Feature | Free | Personal | Household (Includes Personal) |
|---|---|---|---|
| Safe-to-Spend | |||
| Manual entry & CSV import | |||
| Categorization rules | |||
| Budget strategies (5 types) | |||
| Goal tracking | |||
| Multi-currency | |||
| Recurring detection | |||
| Net worth tracking | |||
| Data export | |||
| Bank sync (Plaid) | |||
| Automatic categorization | |||
| Tax-aware tracking | |||
| Cash-flow planning tools | |||
| Debt payoff planning | |||
| Budget projections | |||
| Advanced reports | |||
| Custom dashboard | |||
| Create households | |||
| Shared goals & budgets | |||
| 2 members included | |||
| Mine/theirs/ours tagging | |||
| Household dashboard | |||
| Activity feed | |||
| Priority support |
Frequently Asked Questions
Can I switch plans anytime?
Yes. You can upgrade or change your plan at any time. Upgrades take effect immediately. Downgrades apply at the end of your billing cycle.
What happens to my data if I downgrade?
Your data is always yours. If you downgrade, you keep all your transaction history. Premium-only features like automatic categorization will be paused but not deleted.
Is there a free plan after the trial?
Yes. If you do not upgrade after the trial, your account remains on the Free plan with manual tracking, CSV import, budgets, goals, and basic reports. No credit card is required to start.
What is the founding price?
Early subscribers who choose annual billing keep the discounted founding rate while that subscription remains active. If you cancel or change away from it, the standard price may apply later.
Is Household cheaper than two Personal plans?
Yes, by a wide margin. Household includes two members on one subscription, so splitting it costs each of you less than a Personal plan on its own, and you get the shared budgets, goals, and household view on top.
Do I need both Personal and Household?
No. Choose one plan. Household already includes everything in Personal (automation, automatic categorization, tax insights, and more) plus collaboration features. You never pay for both.
Is household collaboration included in Free?
Free users can join households as view-only members at no cost. To create a household and invite full members, you need the Household plan.
Is there a free trial?
Yes. We offer a 35-day free trial of Personal so you can try all paid features before committing. No credit card required.
What payment methods do you accept?
We accept major credit cards and debit cards through Stripe. All prices are in Canadian dollars.