Pricing

In pounds and euros

The app is sold through the App Store and Google Play, so you are charged in your own currency at the local price tier each store sets — not a live conversion of the dollar figure. Prices shown in the UK and the EU include VAT, as the law requires, which is why a euro figure is not simply the dollar one converted.

Apple and Google are the merchant of record: they handle the billing, the tax and the refunds, under their terms as well as ours.

One revenue line

The subscription, and nothing else. Specifically, none of the following:

• No advertising. Not banners, not sponsored categories, not a “recommended for you” card that someone paid to put there.
• No referral or affiliate commissions. We are not paid to point you at a credit card, a broker or a loan.
• No selling or sharing your financial data. Not in aggregate, not anonymised, not to “partners”.
• No free tier funded by any of the above.

This is a design constraint before it is an ethical one. An app that earns by steering you toward a product cannot also be the thing that tells you honestly where you stand, and in this category a good number of the free options are the former dressed as the latter.

What the subscription covers

Everything. There is no plan matrix, because a plan matrix in a personal finance app usually exists to put the useful features on the expensive row.

• Manual, voice and receipt entry
• AI insights over your own spending
• Net worth — assets and liabilities you maintain
• The FIRE projection that reads from it
• iPhone and Android, on the same account

Whether there is also a limited free tier is still open. It is the one pricing question not yet settled, and this page will say so until it is.

How that compares

The nearest comparable app is Finny, at the same $3.49 a month. It has receipt scanning, voice entry and 150+ currencies, which we respect. It has no net worth tracking, no FIRE projection and no Android app at all.

Where we are more expensive: its annual plan is cheaper than ours. Where we are not: a spending log, a net worth ledger and a date for financial independence in one subscription, on both platforms, rather than a tracker.

Prices for other apps change without notice. Check theirs rather than taking ours as current.

India is priced separately

The Indian app is a different product — it reads Gmail transaction alerts with consent, handles Indian instruments, and is priced in rupees. Its pricing lives at tldrmoney.in/pricing.

The two are not interchangeable, and one subscription does not cover both.

The calculators stay free

All ten of them, with no account, no email address and no limit. They are useful on their own, and a calculator behind a signup wall is not a tool, it is a lead form.