Free to use
Most free budgeting apps are free until you actually use them. This one gives you the whole core of the product at no cost: unlimited transactions, unlimited categories, budgets, multiple accounts, and the reports that tell you where the month went.
The free tier is not a trial. It is the app, with a monthly allowance on the AI features:
Premium removes the monthly cap on the AI work: unlimited receipt scans, unlimited voice logging, unlimited questions to the assistant, and bank statement imports in bulk. It also removes ads. If you scan a couple of receipts a week, the free tier is enough.
You are never asked for a banking password, and the app does not link to your accounts. Your records are created from what you photograph, say or type, and they are stored encrypted on your device. That is a deliberate design choice, not a missing feature.
A budgeting app dies at the data entry step. Typing every coffee into a form is tedious, so people stop after two weeks and the app becomes a museum of one good fortnight. Removing the typing is the whole point here: photograph the receipt, or say what you spent, and the record writes itself.
Free forever. There is no time limit and no card required. Premium is optional and only lifts the monthly cap on the AI features.
The free tier shows occasional ads. Premium removes them.
No. Your records are yours and stay on your device. Dropping Premium only puts the monthly AI allowance back.
Yes for everything you type yourself. Receipt scanning, voice logging and the assistant need a connection because the AI runs on a server.
Start free, keep it free
Download it, add one account and log this week. Two minutes of setup.