01 / Baseline
Free
Manual tracking for a private finance setup you control.
$0/ month
- Unlimited manually tracked cards
- Statement-credit & fee tracking
- Basic dashboard
- Backup and export
- No bank connection — fully manual
Pricing / one private workspace
Start free. Upgrade when automation saves time.
Free tracks every card's credits and fees by hand. Plus adds push reminders (iOS app) and card intelligence. Pro links your cards so credits are detected automatically.
Billing rhythm
MonthlyPay as you go
YearlyLower annual total
Plan progression / 01—03
Manual when you want it. Automated when it earns its place.
02 / Manual control
For manual power users
Plus
Everything in Free, plus push reminders (iOS app) before credits expire and fees hit, Best Card, Approval Odds, the travel toolkit, annual-fee ROI, multi-year history, and Current Offers — the intelligence layer on your manual tracking. No bank connection.
$4.99/ month
$48/year. Billed once ($4/mo equivalent). Save $11.88 vs monthly.
- Everything in Free — unlimited manual cards
- Push reminders before credits expire and fees hit (iOS app)
- Best Card + Approval Odds
- Travel toolkit — Points, Alliances, Lounges, Transfer Partners
- Annual-fee ROI tracking
- Multi-year archive + Previous Years
- Current Offers
- No bank connection — fully manual
Renews automatically at $4.99/month or $48/year until canceled. Cancel anytime.
By subscribing, you agree to the Terms and Privacy Policy.
03 / Automation
Best for automation
Pro
Everything in Plus, plus card linking with Plaid for automatic credit detection, Spending categorization, Needs Review, and AI-safe export.
$9.99/ month
$96/year. Billed once ($8/mo equivalent). Save $23.88 vs monthly.
- Card linking with Plaid
- Spending categorization
- Needs Review matching queue
- AI-safe export, 12 runs per billing cycle
- Backup and export
Renews automatically at $9.99/month or $96/year until canceled. Cancel anytime.
By subscribing, you agree to the Terms and Privacy Policy.
Comparison ledger
See exactly where automation begins.
Start with the manual foundation. Add more control with Plus, or connect accounts for Pro automation.
| Capability | Free | Plus | Pro |
|---|---|---|---|
| Cards tracked | Unlimited | Unlimited | Unlimited |
| On-screen credit & fee tracking | Included | Included | Included |
| Credit & fee reminders | On-screen only | Push (iOS app) | Push (iOS app) |
| Annual-fee ROI | Not included | Included | Included |
| Multi-year history (Previous Years) | Not included | Included | Included |
| Best Card (best card per category) | Not included | Included | Included |
| Approval Odds | Not included | Included | Included |
| Travel toolkit (Points, Alliances, Lounges, Transfer Partners) | Not included | Included | Included |
| Card linking with Plaid (read-only) | No bank connection | No bank connection | Optional, via Plaid |
| Automatic credit detection | Not included | Not included | Included |
| Spending categorization | Not included | Not included | Included |
| AI-safe data export | Not included | Not included | Included |
| Backup & export | Included | Included | Included |
Cards tracked
- Free
- Unlimited
- Plus
- Unlimited
- Pro
- Unlimited
On-screen credit & fee tracking
- Free
- Included
- Plus
- Included
- Pro
- Included
Credit & fee reminders
- Free
- On-screen only
- Plus
- Push (iOS app)
- Pro
- Push (iOS app)
Annual-fee ROI
- Free
- Not included
- Plus
- Included
- Pro
- Included
Multi-year history (Previous Years)
- Free
- Not included
- Plus
- Included
- Pro
- Included
Best Card (best card per category)
- Free
- Not included
- Plus
- Included
- Pro
- Included
Approval Odds
- Free
- Not included
- Plus
- Included
- Pro
- Included
Travel toolkit (Points, Alliances, Lounges, Transfer Partners)
- Free
- Not included
- Plus
- Included
- Pro
- Included
Card linking with Plaid (read-only)
- Free
- No bank connection
- Plus
- No bank connection
- Pro
- Optional, via Plaid
Automatic credit detection
- Free
- Not included
- Plus
- Not included
- Pro
- Included
Spending categorization
- Free
- Not included
- Plus
- Not included
- Pro
- Included
AI-safe data export
- Free
- Not included
- Plus
- Not included
- Pro
- Included
Backup & export
- Free
- Included
- Plus
- Included
- Pro
- Included
FAQ
Straight answers before checkout.
What happens if I cancel?
Cancel anytime. Access continues until the end of the billing period. Your workspace data remains available after the plan changes, unless you delete your account, and Settings provides data-export controls.
What payment methods do you accept?
All major credit cards are handled through Stripe Checkout. MoneyRoom uses Stripe Managed Payments for covered tax compliance.
Is there a free trial?
No trial needed. Free supports unlimited manual card tracking — your whole wallet's credits and fees — so you can replace your spreadsheet before deciding whether reminders or connected automation are worth it.
Can I downgrade?
Yes. A plan change does not delete your workspace data. Moving to Free takes effect at the end of your current billing period — you keep paid access until then. Switching to a cheaper paid plan (Pro to Plus) takes effect right away, with a prorated credit for the unused time on your current plan.
Before you connect
Inspect the boundary, then choose your plan.
See how connected accounts, credentials, and owner-scoped records move through MoneyRoom before enabling automation.
Read Security & Trust