Simple pricing: free, or $3 a month
The essentials are free forever. Premium adds the full toolkit — savings goals, bills, loans, subscriptions, the AI advisor and the business workspace — for $3 a month, with no annual lock-in.
Free
$0forever
- Unlimited income, expense and investment transactions
- Voice entry and receipt photos
- Income split planner and suggested budgets
- Dashboard, wallet and financial health score
- 11 currencies, English, Urdu and Arabic
- No bank login, no ads, no third-party trackers
Premium
$3per month
- Everything in Free
- AI Financial Advisor (Anthropic Claude)
- Savings goals with funding suggestions
- Bill, loan and subscription trackers
- Advanced reports, month-end forecast and Excel export
- Business workspace: invoices, payroll, inventory, AI CFO
- Multiple finance profiles (for example personal and household)
Prices in US dollars. Cancel any time; Premium stays active to the end of the month you paid for. See the terms.
Pricing questions
Is IncomeWise really free?
Yes. The free plan has no time limit and no transaction limit: tracking, voice entry, receipt photos, budgets, the income split planner and the dashboard are all free.
What does Premium cost?
$3 a month. There is no annual lock-in: cancel any time from Settings → Subscription and Premium stays active until the end of the month you have paid for.
What happens to my data if I cancel Premium?
Nothing is deleted. Your account goes back to the free plan and every transaction stays where it is; Premium screens unlock again if you resubscribe.
Can I buy Premium in the Android app?
Premium is bought on the website, at incomewise.app. Once it is active, it applies everywhere you sign in, including the app.
How is payment handled?
Payments are processed by Lemon Squeezy as merchant of record, which also handles taxes and receipts. IncomeWise never sees your card details.