Plans and pricing
Last updated · spending.chat editorial team · 2 min read
Starter is free forever, no card needed. Pro adds unlimited messages, voice notes, receipt reading and the web panel, with a 7-day free trial.
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| Feature | Starter | Pro |
|---|---|---|
| Monthly price | Free forever | $9.99 + tax (2026 launch price, regularly $29.99) |
| Card needed? | No | Yes, 7-day free trial |
| Log expenses by text message | ✓ | ✓ |
| Automatic categories and monthly summaries | ✓ | ✓ |
| Budgets, bill and debt reminders | ✓ | ✓ |
| Assistant messages | 100 a day | Unlimited |
| Voice notes | – | ✓ |
| Receipt and photo reading | – | ✓ |
| Web panel: tables, charts, Excel export | – | ✓ |
Pro: tax, trial and cancelling
- Tax: prices are in USD; Paddle adds any VAT or sales tax at checkout.
- 7 days free: nothing is charged during the trial.
- Cancel anytime: write “my subscription” on WhatsApp or use the link in your Paddle receipt. Refund terms.
Which plan should I choose?
Texting a few expenses a day? Starter is enough. Want voice notes, receipt photos and charts on a computer? Go Pro.
Frequently asked questions
Is there a free plan?
Yes. Starter is free forever, needs no card and includes 100 assistant messages a day.
How do I pay for Pro?
Through Paddle with major credit and debit cards, Apple Pay or Google Pay.
Will the Pro price go up?
Pro memberships started in 2026 keep the $9.99 price. If prices ever change, we will email you at least 30 days in advance.
Track your spending in WhatsApp
Text “coffee 4.50” and the AI logs it, sorts it into a category and warns you before you go over budget. 7 days free.
See plans