Powerful money management for guilt-free spending
Most Popular
Solo
$12 / month
Live bank sync, 90-day forecasting, and unlimited AI insights.
+ Add Wealth Plan
Track brokerage, retirement & crypto
+$3/mo
What's included
- Unlimited bank connections
- 24 months transaction history
- 90-day forecast + scenario mode
- Unlimited AI insights
- Subscription renewal alerts
- Loan tracking included
- Priority support
- Cancel anytime
Household
$18 / month
A combined household view and shared goals, for as many members as you need.
Everything in Solo, plus
- Unlimited bank connections
- Unlimited household members
- Investment & crypto tracking included
- Combined household view
- Shared savings goals
- Loan tracking included
- Per-member privacy controls
- Cancel anytime
Every RetroFi plan includes
Safe-to-spend calculations
Household budgeting
Cash flow analysis
Loan tracking
Plan comparison
Balances & spending
Solo
Household
Live balance sync
See your real balances update as your bank posts new activity, not once a day.
Spending by category
Everything you spend gets sorted automatically so you can see where it's actually going.
24 months of history
Look back two full years without digging through statements.
Loan balances (mortgage, student, auto)
Track what you owe on a mortgage, student loan, or auto loan alongside your other accounts, connected automatically or added by hand.
Crypto exchange balances
Connect Coinbase and other crypto exchanges to see your holdings alongside everything else.
Add Wealth (available with the Wealth add-on)
Brokerage & retirement balances
Bring investment and retirement accounts into the same view as everything else.
Add Wealth (available with the Wealth add-on)
Budgeting
Solo
Household
Auto budgeting
We build your budget from how you actually spend, not a template that doesn't match your life.
Overspend alerts
Get a heads up before you go over, not a surprise after you already did.
Forecasting
Solo
Household
Safe to Spend
The number that matters most. What you can spend today after bills, subscriptions, and savings goals are already accounted for.
90 day forecast
See your cash flow three months out, based on what actually shows up in your accounts.
Scenario mode
Try out a raise, a big purchase, or cutting a subscription and see what it does to your numbers before you commit to anything.
Amortization schedule
See exactly how each loan payment splits between principal and interest, and watch your balance count down over time.
Loan impact on Safe to Spend
See how a loan payment factors into what you can spend today, not just as a separate balance sitting on its own page.
Insights & alerts
Solo
Household
AI insights
Ask questions about your money in plain language and get answers based on your actual accounts.
Subscription renewal alerts
We catch upcoming charges before they hit so nothing sneaks up on you.
Account connections
Solo
Household
Unlimited bank and card connections
Connect as many accounts as you've got, no counting required.
Investment and crypto connections
Link brokerage, retirement, and crypto exchange accounts.
Add Wealth (available with the Wealth add-on)
Loan account connections
Connect a loan automatically through your bank, or add one by hand if it isn't linked.
Web and mobile
Use RetroFi from your phone or your laptop, your data stays in sync either way.
Household & sharing
Solo
Household
Combined household view
Everyone's accounts and spending show up in one shared picture.
Shared savings goals
Set a goal together and watch it move as a household, not just as individuals.
No limit on members
Add as many people to your household as you need to.
Common questions
From people who actually use it
★★★★★
“I've tried Mint, Copilot, and Monarch. RetroFi is the first one that actually tells me what I can spend today, not just what I spent last month.”
★★★★★
“My partner and I had never really looked at our finances together before. The household view made it feel like a conversation instead of a confrontation.”
★★★★☆
“The 7-day trial sold me by day three. The 90-day forecast alone is worth the $12.”
★★★★★
“The subscription tracker paid for the app in the first week. Cancelled three things I'd forgotten I was even paying for.”
★★★★☆
“Switched from a spreadsheet I'd kept for years. Took a couple weeks to trust the numbers, but they've matched up every time since.”
★★★★★
“We split expenses across two households and it finally stopped being confusing. Everyone just checks the app instead of texting each other.”
Why RetroFi
Why pay for a personal finance app?
See the whole picture
Your bank app only knows your bank. Your brokerage only knows your portfolio. Nobody's free tool talks to the others, so you're left doing the math yourself. RetroFi aggregates everything into one daily picture.
Bank-grade security
Your accounts connect through Plaid, the same infrastructure trusted by major banks and fintech apps. Read-only access; nothing can move money in or out of your accounts through RetroFi.
No ads, ever
When you're paying for a service, you're the customer. RetroFi's revenue comes from subscriptions, not from selling your attention to advertisers.
Ready to pick a plan?
Most Popular
Solo
$12 / month
Live bank sync, 90-day forecasting, and unlimited AI insights.
+ Add Wealth Plan
Track brokerage, retirement & crypto
+$3/mo
What's included
- Unlimited bank connections
- 24 months transaction history
- 90-day forecast + scenario mode
- Unlimited AI insights
- Subscription renewal alerts
- Loan tracking included
- Priority support
- Cancel anytime
Household
$18 / month
A combined household view and shared goals, for as many members as you need.
Everything in Solo, plus
- Unlimited bank connections
- Unlimited household members
- Investment & crypto tracking included
- Combined household view
- Shared savings goals
- Loan tracking included
- Per-member privacy controls
- Cancel anytime
