Straight answers.

Yes. You can add your cards and track their credits by hand, free. Linking a bank is optional — it comes with Pro — and only powers the features that need your account activity.

See how tracking by hand works on the Product page.

MoneyRoom puts credit tracking (free), picking the right card, points and miles, and lounge access (Plus), and spending from linked cards (Pro) in one place.

See everything it does on the Product page.

Best Card, part of Plus, compares the cards in your wallet for a type of purchase and shows why one ranks first. Card terms can change, so the bank's current terms always have the final say.

Each credit shows its current period, what you've used and what's left, your own entries, matching charges from a linked card (Pro), and past activity, all in one place.

A statement credit is money your card's bank puts back on your bill after a purchase that qualifies — a yearly airline-fee credit or a monthly dining credit, for example. Most reset on a schedule, and you lose what you don't use in time.

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

Each credit has its own schedule — monthly, quarterly, twice a year, yearly, or on your card anniversary — and every credit you track shows when it resets.

The full list, card by card, is on the reset calendar.

Yes. On every plan, basic reminders for expiring credits and annual fees appear in your MoneyRoom notifications, and you choose the categories in Settings. Plus and Pro add the smart reminder digest by email before credits expire and fees hit. Push reminders come with the iOS app (coming soon).

Compare current feature availability on Pricing.

Bank connections come with Pro. You type your bank username and password into Plaid's own window (Plaid Link), not into MoneyRoom. Plaid receives them; MoneyRoom never does.

See how bank connections work on Security & Trust.

On Pro, a linked account gives MoneyRoom read-only access to the account details, balances and transactions you allow. MoneyRoom doesn't turn on any Plaid payment or transfer service, so it can't move money.

Yes. In Settings you can remove a bank. MoneyRoom takes it off your account and asks Plaid to revoke its access.

With Plus, each points program's balance is shown on its own, with notes on transfer partners where MoneyRoom has checked them (checked July 2026). Estimates are never shown as a fixed travel value.

With Plus, search an airport to see the lounges your cards can get you into, with the card that gets you in next to each one. Entry rules, guest policies, hours and sign-up requirements can change, so check the current rules before you travel.

Yes. Free includes unlimited cards, with every credit and fee tracked by hand, in-app reminders, and backup and export. Plus adds the smart reminder digest by email, Best Card (which of your cards to use for a purchase), Approval Odds (your chances before you apply), travel tools (points, airline alliances, lounges and transfer partners), your annual-fee history year by year, and Current Offers (Chase's rotating 5% categories). Pro adds read-only card linking through Plaid, so supported credits are spotted for you (some need confirmation, others stay manual), spending by category, Needs Review (charges and credits waiting for your OK) and AI-safe export (a summary of your data you can give an AI assistant).

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.

Changing plans never deletes your data. Every card and credit you've tracked stays, and you can still edit it (tracking by hand is unlimited on every plan). If your new plan doesn't include bank connections, your bank is disconnected, but the activity already brought in stays in your account.

Compare plan limits on Pricing.

Yes. In Settings you can download a full backup (a JSON file) or spreadsheet files (CSV). Deleting your account asks you to confirm, then cancels billing, removes your sign-in, and erases the app data tied to your account, apart from the few records the Privacy Policy says are kept.

See the controls and their limits on Security & Trust.

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

MoneyRoom runs in any web browser today. The iOS app (coming soon) will use the same account, and plans and billing stay on the web.

Push reminders will be available in the iOS app (coming soon). On the web today, reminders appear in your MoneyRoom notifications, and on Plus and Pro the smart reminder digest also arrives by email.

Go to the MoneyRoom sign-in page. If you can't get in, it has options to recover your account.

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.