Pick the plan that fits.
Start free. Upgrade any time, your data comes with you.
Switch to annual to save
Free
$0/ forever
- Unlimited CSV / bank file import
- AI transaction categorisation
- Disposable income view
- 2 AI insights per week
- 30-day cash flow forecast
- 3 months of history
Plus★ Most Popular
$10/ month
$99/yr saves $21
- Everything in Free, plus:
- Unlimited AI insights
- 90-day forecast + scenario mode
- 24 months of history
- Subscription renewal alerts
- Monthly money digest
- Live bank sync — coming soon
No credit card required
Family
$15/ month
$144/yr saves $36
- Everything in Plus, plus:
- Up to 5 household members
- Combined household view
- Shared savings goals
- Per-member privacy controls
No credit card required
Monarch charges $14.99/mo for one person. RetroFi Plus is $10/mo; Family covers five for $15/mo.
Up to 53% lessNeed more connections?
When live bank sync launches, Family starts at 8 connections — add 3 more for $3/mo per block, no cap.
| Feature | Free | Plus | Family |
|---|---|---|---|
| Bank connections | CSV only | 5 (coming soon) | 8 + add-ons (coming soon) |
| AI insights | 2 / week | Unlimited | Unlimited |
| Cash flow forecast | 30 days | 90 days | 90 days |
| Transaction history | 3 months | 24 months | 24 months |
| Subscription renewal alerts | |||
| Monthly money digest | |||
| Scenario mode | |||
| Household members | 1 | 1 | Up to 5 |
| Shared savings goals | |||
| Connection add-on | $3/mo per 3 | ||
| Referral cards in feed | Shown | Hidden | Hidden |
| Support | Priority | Priority |
Common questions
No. The 14-day trial starts the moment you upgrade, no card required. You'll only be prompted for payment on day 14 if you decide to continue.