Free $0 Plus $4.99/mo or $48/yr Pro $9.99/mo or $96/yr
Unlimited cards, with every credit and fee tracked by hand, in-app reminders, and backup and export.
More tools, no bank link
Everything in Free, plus 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). No bank connection.
$48/year. Billed yearly ($4/mo equivalent). Save $11.88 vs monthly.
Renews automatically at $4.99/month or $48/year until canceled. Base prices exclude applicable taxes or discounts. Cancel anytime.
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Best if you link cards
Everything in Plus, plus 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).
$96/year. Billed yearly ($8/mo equivalent). Save $23.88 vs monthly.
Renews automatically at $9.99/month or $96/year until canceled. Base prices exclude applicable taxes or discounts. Cancel anytime.
By subscribing, you agree to the Terms and Privacy Policy.
Compare plans
Free covers tracking by hand. Plus brings more planning tools. Pro links your cards so some of the work is done for you.
| Feature | Free | Plus | Pro |
|---|---|---|---|
| Cards tracked | Unlimited | Unlimited | Unlimited |
| Credit and fee tracking | Included | Included | Included |
| Credit & fee reminders | Basic in-app alerts | Smart email digest + basic in-app alerts | Smart email digest + basic in-app alerts |
| Annual-fee history, year by year (Previous Years) | Not included | Included | Included |
| Best Card (which card to use for each category) | Not included | Included | Included |
| Approval Odds | Not included | Included | Included |
| Travel tools (points, airline alliances, lounges, transfer partners) | Not included | Included | Included |
| Card linking with Plaid (read-only) | No bank connection | No bank connection | Optional, via Plaid |
| Automatic detection of supported credits | Not included | Not included | Included |
| Spending by category | Not included | Not included | Included |
| Juice, the AI card helper (questions a month) | 10 | 50 | 300 |
| Spending questions in Juice | Not included | Not included | Included |
| Connect Claude or ChatGPT (read-only) | Not included | Not included | Included |
| AI-safe data export | Not included | Not included | Included |
| Backup & export | Included | Included | Included |
Pro members can turn on spending questions so Juice can use their spending totals. It's off by default and never includes individual purchases.
How Juice and connecting Claude or ChatGPT workFAQ
Cancel anytime in Settings, the billing portal, or Link. If your payments are up to date, paid access continues to the end of the period you've already paid for; if a payment is outstanding, it can end sooner when the past-due grace period ends. A plan change does not delete tracked history: your cards, credits and history are kept. Leaving Pro locks spending pages and bank features, and your bank connection is disconnected when Pro ends; the history it imported is saved, and your spend milestones still count it. You can reconnect your bank when you come back. Ordinary cancellation does not refund unused time; refunds required by law or available under Link's payment terms remain available.
All major credit cards are handled through Stripe Checkout. MoneyRoom uses Stripe Managed Payments; Link is the merchant of record shown at checkout and provides receipts, payment support, subscription management, and applicable refund handling.
No trial needed. Free tracks unlimited cards by hand, with all their credits and fees, so you can replace your spreadsheet first. Then decide whether the reminder digest or card linking is worth paying for.
Yes. A plan change does not delete your workspace data: your cards, credits and history are kept. Leaving Pro locks spending pages and bank features, and your bank connection is disconnected when Pro ends; the history it imported is saved, and your spend milestones still count it. You can reconnect your bank when you come back. Moving to Free takes effect at the end of your current billing period if payments are up to date; an outstanding payment can end paid access sooner when the past-due grace period ends. Switching to a cheaper paid plan (Pro to Plus) takes effect right away when you switch in the app, with a prorated credit for the unused time on your current plan; changes made in the billing portal may apply at your next billing date instead.
Before you link a bank
Linking is read-only and optional. Read what MoneyRoom can see, what it can't, and how your records are kept to your account before you link a card.
Read Security & Trust