Pricing — Free and Plus Plans | Kipta AI Personal Finance

Simple pricing.

Start free, upgrade when you're ready.

Save 37% with yearly billing

Free

Everything you need to track your money.

$0 /month

Free forever

  • Unlimited expense and income tracking
  • Accounts, cards, bills and reminders
  • Month So Far and Daily Read
  • Auto-categorization
  • Safe-to-spend per day until payday
  • Alerts for large or repeat spending
  • Statement imports: unlimited for 7 days, then 3/month
  • 20 receipt scans/month with item and fee tracking
  • Budget wizard built from your history
  • 1 goal, 3 months of reports, CSV export
  • Care log for 2 items
  • 1 AI Advisor report and 1 statement finding/month
  • Weekly spending headline
Get started free

14-day free Plus trial for new accounts

Most popular

Plus

The full AI Advisor, higher limits and tax-time tools.

$5.00 /month

billed $59.99 yearly

Founding member deal — lock in this special rate for as long as you stay subscribed · Limited-time early offer, ending soon
  • Everything in Free
  • Full AI Advisor and statement findings
  • Your Week: an AI read of last week
  • Full payday plan
  • Price alerts and restock reminders
  • Tax Pack with CSV and print
  • Care log for 200 items, with push and email
  • 30 statement imports, 200 receipt scans/month (fair use)
  • Unlimited goals with what-if
  • Full report history
  • Flex Pool
Get started with Plus

Prices include tax. Cancel anytime.

Compare Free and Plus

Feature Free Plus
Track
Expenses, income, accounts, cards Unlimited Unlimited
Bills and reminders
Auto-categorization and CSV export
Statement imports Unlimited for 7 days, then 3/month 30/month (fair use)
Receipt scans 20/month 200/month (fair use)
Price alerts and restock reminders Counts only Full
Understand
Month So Far and Daily Read
Report history 3 months All
Your Week Headline AI read
Statement AI findings 1/month Unlimited
Plan
Safe-to-spend per day
Full payday plan —
Large and repeat spending alerts
Budget wizard
Flex Pool —
Goals 1 Unlimited + what-if
Care log 2 items 200 items, push and email
Save on tax
Tax Pack totals
Tax Pack records, CSV and print —
AI Advisor
Advisor report 1/month (lite) Unlimited (full)

Google Drive imports count toward receipt scans.

Frequently asked questions

What's in Free?

Unlimited tracking, accounts, bills and reminders, auto-categorization, safe-to-spend per day, a weekly headline, CSV export and the budget wizard. Plus limited imports, receipt scans, goals, reports, care log items and AI Advisor use.

What do I get with Plus?

The full AI Advisor, Your Week, the full payday plan, price alerts and restock reminders, the Tax Pack with export, a bigger care log, unlimited goals, full report history, Flex Pool and higher import and scan limits.

Can I cancel anytime?

Yes. Cancelling stops future renewals and you keep Plus until the end of the period you paid for. See our Refund Policy for details.

What happens after the trial?

Your account moves to Free automatically. Nothing is charged unless you choose to upgrade.

Is my data safe if I downgrade?

Yes. All your data is kept. Free limits only apply to new imports, scans and reports going forward.

Do prices include tax?

Yes. Prices are tax-inclusive, so the price you see is the price you pay.

What is the founding member deal?

Early Plus members lock in our special founding rate for as long as they stay subscribed. It's an early-bird deal ending soon—you keep your low rate for life as long as your subscription remains active.

How to use Kipta?