Simple, transparent pricing
Start free. Upgrade when you're ready. No hidden fees, no surprises.
Perfect for getting started and trying things out.
- 25 transactions per month
- AI categorization
- Basic spending insights
- Recurring expense tracking
- Budget alerts
Unlimited tracking for serious budgeters.
- Unlimited transactions
- Receipt photo scanning
- Advanced AI insights & coaching
- Savings goals with progress tracking
- Budgets by category & tag
- Priority support
- Cancel anytime
Best value. Two months free.
- Everything in Monthly
- 2 months free vs monthly
- Priority support
- Early access to new features
Compare plans
| Feature | Free | Monthly | Annual |
|---|---|---|---|
| AI-powered expense logging | ✓ | ✓ | ✓ |
| Smart categorization | ✓ | ✓ | ✓ |
| Recurring transactions | ✓ | ✓ | ✓ |
| Budget alerts | ✓ | ✓ | ✓ |
| Monthly transaction limit | 25 | Unlimited | Unlimited |
| Receipt photo scanning | — | ✓ | ✓ |
| Savings goals | — | ✓ | ✓ |
| Category & tag budgets | — | ✓ | ✓ |
| Advanced AI insights | — | ✓ | ✓ |
| Priority support | — | ✓ | ✓ |
Frequently asked questions
Can I really use AIPennyPal for free?
Yes. The free plan includes 25 transactions per month, AI categorization, basic insights, recurring tracking, and budget alerts. No credit card required.
What happens if I hit the free transaction limit?
You'll see a friendly nudge to upgrade. You can still view all your existing data — you just won't be able to log new transactions until your next billing cycle or until you upgrade.
Can I cancel my paid plan anytime?
Absolutely. Monthly plans can be cancelled anytime. Annual plans can also be cancelled — you'll keep access until the end of your current billing year.
Is my financial data safe?
Yes. We never connect to your bank. You type or speak your expenses, and we store them securely. No account numbers, no Plaid, no open banking required.
Do you offer refunds?
We don't offer refunds, but you can cancel anytime to stop future billing. If you believe there was an error, contact support and we'll make it right.
Ready to take control of your spending?
Start tracking in plain English. Get clarity in minutes — and keep it for free.
No credit card required.