Does the app offer a free plan?
Yes, and it's generous. The free plan has unlimited transactions, no ads and no data selling, and it includes most of the app's features. Some things have usage limits, and the advanced tools are part of Pro.
Every plan, free included, comes with real-time backup and sync across your devices, bank-grade encryption, unlimited data export, and the gamification features (streaks, levels, badges, the online league and the 66-day habit challenge).
Free vs Pro limits
To see your own usage against these limits, go to More › Plan limits & usage.
Per budget
| Free | Pro | |
|---|---|---|
| Transactions | Unlimited | Unlimited |
| Accounts | 5 | 100 |
| Categories | 50 | 300 |
| Groups | 10 | 100 |
| Payees | 5 | 400 |
| Tags | 5 | 500 |
| Active reminders | 5 | 400 |
| Scheduled transactions | 10 | 300 |
| Transaction templates | 5 | 300 |
| Debts | 2 | 200 |
| Shopping lists | 2 | 200 |
| Warranties | 3 | 200 |
| Net worth entries | 5 | 200 |
| Transaction files (attachments) | 10 | 2,000 |
| Smart AI receipt scans | 10 | Unlimited |
| Notification Importer AI imports | 20 | Unlimited |
| BudgetChat messages | 30 | Unlimited |
| Money insights uses | 10 | Unlimited |
| Daily AI insights | 10 | Unlimited |
Per account
| Free | Pro | |
|---|---|---|
| Budgets | 2 | 100 |
| Family group members | Pro only | 5 |
Other limits
| Free | Pro | |
|---|---|---|
| Items in a shopping list | 10 | 300 |
| Transactions in one bulk update | 4 | 15 |
| Months of history in a CSV import | 3 | 60 |
| Allocation history entries shown | 15 | Full history |
| Transactions shown on the transaction map | 5 | All |
Limits can change over time. More › Plan limits & usage always shows the current ones.
What Pro adds
Besides higher limits, Pro unlocks these features. The full list is in the app under More › Plan limits & usage.
- Smart search Search 24 months of history, filter by date and group results.
- Bulk update Edit up to 15 transactions at once (4 on Free).
- PDF export Export any transaction list as a PDF, not just CSV.
- Budget insights The full big-picture reports, cash flow and spending comparisons.
- Category insights Spending trends, daily averages and allocation history per category.
- Tag spending overview See where tagged spending goes, broken down by category.
- Spending comparison Compare this month's spending with previous months.
- Spending heatmap Spot your heaviest spending days at a glance.
- Transaction calendar Your income and spending laid out day by day.
- Net worth history Follow your net worth over time.
- Credit card tools Extra tools to plan and pay off your cards.
- Auto allocation Fund your categories automatically, by priority or target.
- Allocation history Every change to your allocations, with undo.
- Running balances See an account's balance after each transaction.
- AI auto-matching Let AI map imported CSV rows to your accounts and categories.
- BudgetChat Unlimited chats with the AI assistant (30 on Free).
- Money insights Unlimited AI answers about your budget (10 on Free).
- Smart receipts Unlimited receipt scans on Android and iOS (10 on Free).
- Family group Share your budget with up to 5 members.
- Colour schemes and shapes More colour schemes, icon shapes and home screen customisation.
How to get Pro
Subscribe monthly or yearly, or pay once for lifetime access, in the Android or iOS app. On the web, Pro can't be bought: subscribe in a mobile app with the same account and it works on the web too. See Upgrading to Pro.