Straight answers.

Yes. You can add cards and track benefits manually. A bank connection is optional and is used only for features that depend on connected account activity.

Explore the manual workflow on the Product page.

MoneyRoom keeps card choice, benefit tracking, points and miles, lounge access, and spending review in one workspace so each decision retains its context.

See the full decision model on the Product page.

Best Card compares cards already in your wallet for a purchase category and keeps the ranking factors visible. Issuer terms and card facts can change, so current issuer terms remain the final authority.

You can track the benefit period, used and remaining value, manual entries, connected evidence when enabled, and prior activity in one benefit record.

A statement credit is money the issuer posts back to your account after a qualifying purchase — a yearly airline-fee credit or a monthly dining credit, for example. Most reset on a schedule and are forfeited if unused.

How they work, when they reset, and how to track them is on the statement credits page.

Each credit runs on its own clock — monthly, quarterly, twice a year, yearly, or on your card anniversary — and the reset rule shows on every credit you track.

The full list by card and cadence is on the reset calendar.

MoneyRoom supports push reminders in the iOS app for selected credit-expiry and annual-fee events. You choose the categories in Settings, and delivery still depends on device and platform notification settings.

Compare current feature availability on Pricing.

You enter institution credentials in Plaid Link. Plaid receives those credentials; MoneyRoom does not receive the bank credentials entered in that flow.

Review the complete connection boundary on Security & Trust.

The configured Plaid products can provide read-only account, balance, and transaction context that you authorize. MoneyRoom does not configure payment or transfer products.

Yes. Settings includes a connection-removal flow that removes the institution from your workspace and begins Plaid item revocation.

Balances stay separated by program, with transfer context shown where MoneyRoom has verified it. The product does not present estimates as fixed travel value.

Search an airport to inspect matching lounge access and the source card beside it. Access rules, guests, hours, and enrollment requirements can change, so confirm current entry terms before travel.

Yes. Free includes unlimited manual card tracking and basic push reminders for expiring credits (iOS app) — your whole wallet's credits and fees. Plus adds the planning tools (Best Card, Approval Odds, the points and lounge guides, Current Offers — Chase's 5% calendar), the smart reminder digest (email; push in the iOS app), and multi-year annual-fee ROI and history; Pro adds Plaid-powered automation and connected spending tools.

Current plan details are listed on Pricing.

If your payments are up to date, moving to Free takes effect at the end of the period you've already paid for. If a payment is outstanding, paid access can end sooner when the past-due grace period ends. Switching from Pro to Plus in the app takes effect right away, with a prorated billing credit, not a cash refund; portal changes may take effect at your next billing date. Ordinary cancellation does not refund unused time; refunds required by law or available under Link's payment terms remain available.

Review current plan options on Pricing.

A plan change never deletes your workspace data — every card and credit you've tracked stays visible and editable (manual card tracking is unlimited on every plan). If your new plan doesn't include bank connections, the live connection is disconnected, but the activity already imported stays in your workspace.

Compare plan limits on Pricing.

Yes. Settings provides JSON backup and focused CSV exports. Account deletion uses a confirmed flow that cancels billing, removes the authentication identity, and purges owner-scoped app data, subject to the narrow retention cases described in the Privacy Policy.

See the controls and their limits on Security & Trust.

No. The Privacy Policy states that MoneyRoom does not sell personal information.

Yes. Your MoneyRoom account works across the web and the iOS app. Plans and billing are managed on the web.

Push reminders are available in the iOS app. Web access remains useful for managing the workspace, account settings, exports, and plan changes.

Use the MoneyRoom sign-in page for account access and recovery options.

Write to moneyroomtracking@gmail.com.

Do not send passwords, bank credentials, access tokens, or full account numbers. Support will not ask you to disclose them.