Pricing
Simple pricing. No surprises.
Free to start. Upgrade when you need portfolio tracking and smarter insights.
Free
Everything you need to get started with personal finance tracking.
- ✓Track spending and budgets
- ✓Recurring payments with notifications
- ✓Split expenses with friends (Events)
- ✓One-time bank statement import (CSV)
- ✓Tax return — PAYG, dividends, stocks
- ✓Mobile app (iOS & Android)
- ✓Multi-currency support
- ✓MFA & encrypted data
Basic
Most Popularor $48/year — save 20%
For financially aware users who want portfolio tracking and smarter insights.
- ✓Everything in Free
- ✓Portfolio tracking — ETFs vs S&P 500, VAS, bank rates
- ✓Automatic bank imports (API integrations)
- ✓Smart budgeting suggestions
- ✓Tax return with recommended deductions
- ✓Multi-currency events
- ✓Shared finance collaboration ("Projects")
- ✓Receipt scanning — packs available from $5/100 scans
Pro
or $144/year — save 20%
AI-powered insights and unlimited usage for power users.
- ✓Everything in Basic
- ✓AI financial insights (LLM integration)
- ✓Unlimited receipt scanning
- ✓Custom analytics queries
- ✓Investment performance deep-dive
Receipt scanning packs
Available on any plan. Top up scans as you need them.
100 scans
one-time purchase
500 scans
one-time purchase
Full feature comparison
| Feature | Free | Basic | Pro |
|---|---|---|---|
| Transaction logging | ✓ | ✓ | ✓ |
| Budget categories | ✓ | ✓ | ✓ |
| Recurring payments + notifications | ✓ | ✓ | ✓ |
| Events (expense splitting) | ✓ | ✓ | ✓ |
| Multi-currency | ✓ | ✓ | ✓ |
| CSV bank import (one-off) | ✓ | ✓ | ✓ |
| Tax return — PAYG, dividends, stocks | ✓ | ✓ | ✓ |
| Mobile app (iOS & Android) | ✓ | ✓ | ✓ |
| MFA & encrypted data | ✓ | ✓ | ✓ |
| Portfolio tracking vs benchmarks | — | ✓ | ✓ |
| Automatic bank imports (API) | — | ✓ | ✓ |
| Smart budgeting suggestions | — | ✓ | ✓ |
| Tax deduction recommendations | — | ✓ | ✓ |
| Multi-currency events | — | ✓ | ✓ |
| Shared finance collaboration | — | ✓ | ✓ |
| Receipt scanning | Add-on | Add-on | Unlimited |
| AI financial insights | — | — | ✓ |
| Custom analytics | — | — | ✓ |
For freelancers & side hustles
Finance Watchtower for Businesses
Manage your business finances alongside your personal ones. Bookkeeping, P&L, Stripe integration, and tax deduction tracking in one place.
Business
or $480/year — save 20%
- ✓Bookkeeping & transaction management
- ✓Profit & loss statements
- ✓Stripe integration
- ✓Tax deduction tracking
- ✓Invoice management
- ✓Everything in Personal Pro
Business Pro
or $960/year — save 20%
- ✓Everything in Business
- ✓AI bookkeeping suggestions
- ✓Multi-entity support
- ✓Accountant access
- ✓Bulk receipt scanning
- ✓Custom reporting
Billing questions
Can I cancel anytime?Toggle answer
Yes, cancel any time from your account settings. You keep access until the end of your billing period. No questions asked.
Do I need to connect my bank account?Toggle answer
No. Manual entry and CSV import work on the Free plan. Automatic bank imports are optional on Basic and above.
Is my data encrypted?Toggle answer
Yes. All financial data is encrypted at rest and in transit. We never sell your data.
What happens if I downgrade?Toggle answer
Your data is preserved. You'll lose access to paid features but nothing is deleted.