Simple, transparent pricing
Start free. Upgrade when you're ready. No hidden fees, no surprises.
Free
Manual tracking, forever free
- Manual transaction entry
- Currency converter (30+ currencies)
- Basic budgets & categories
- Bill reminder scheduler
- CSV export
- Biometric app lock
Personal Plus
Bank sync + light AI
or $39.99/year
- Up to 3 bank connections
- Daily auto-sync
- AI receipt scanner (10/month)
- Anomaly detection
- Subscription finder
- Smart budgets & alerts
Personal Premium
The full AI suite
or $79.99/year
- Up to 5 bank connections
- AI receipt scanner (50/month)
- AI Coach with memory
- Weekly Review digest
- Anomaly Explainer
- Cancel Help & Budget Suggest
- Climate Footprint
- Multi-currency + Net Worth
- Region features (ISA · TFSA · Halal Scanner · Residency)
Business
For freelancers & sole traders
or $119.99/year
- Everything in Premium
- Up to 7 bank connections
- AI receipt scanner (200/month)
- Separate Personal + Business profiles
- Tax Optimise (Schedule C · HMRC · ATO)
- Mileage Log (IRS · ATO rates)
- Superannuation tracker (AU)
- Quarterly tax reminders
Business Pro
Deepest AI context
or $199.99/year
- Everything in Business
- Unlimited bank connections
- AI receipt scanner (500/month)
- Advanced AI: deeper context per request
- "Small-business CFO" assistant mode
- Priority support
Compare all features
| Feature | Free | Plus | Premium | Business | Pro |
|---|---|---|---|---|---|
| Bank connections | 0 | 3 | 5 | 7 | Unlimited |
| AI receipt scanner | ✗ | 10/mo | 50/mo | 200/mo | 500/mo |
| AI Coach & Weekly Review | ✗ | Light | Full | Full | Advanced |
| Anomaly & Subscription detection | ✗ | ✓ | ✓ | ✓ | ✓ |
| Climate Footprint & Net Worth | ✗ | ✗ | ✓ | ✓ | ✓ |
| Business profile & Tax Optimise | ✗ | ✗ | ✗ | ✓ | ✓ |
| Mileage Log & Superannuation | ✗ | ✗ | ✗ | ✓ | ✓ |
Pricing questions
Can I switch plans anytime?▼
Yes. Upgrade or downgrade instantly. If you downgrade, you keep premium features until your billing cycle ends.
What payment methods do you accept?▼
All subscriptions are processed through Apple App Store (iOS) or Google Play (Android). We accept credit cards, debit cards, PayPal, and carrier billing where available.
Is there a free trial?▼
The Free plan is permanent with no trial needed. All paid plans offer 7-day free trials. Cancel before the trial ends and you won't be charged.
What happens if I cancel?▼
You keep full access until your billing period ends. After that, you'll revert to the Free plan. Your data stays safe and you can export CSV anytime.
Do prices vary by region?▼
Yes. Subscriptions are localised by your App Store / Play Store region (USD, GBP, EUR, AUD, CAD, NZD, AED, SAR, etc.).
Are there student or nonprofit discounts?▼
Yes. Email hello@pocketspend.cloud with proof of enrollment (.edu email) or 501(c)(3) status for 50% off Personal Premium.
Ready to start budgeting smarter?
No credit card required • Cancel anytime