30-day free trial on paid plans. Track is free forever — no credit card needed. Every feature explained below.
AI features are subject to our Fair AI Usage Policy.
Yes. The Track plan is free forever, no credit card required. It includes CSV import (up to 200 transactions/month), AI categorization, AI chat, monthly budgets, and transaction splits.
When you sign up for Insight or Predict, you get full access to every feature in that plan for 30 days. Your card is only charged when the trial ends. Cancel anytime before that — no charge, no questions.
Yes, with no penalties or hidden fees. Upgrades take effect immediately — you only pay the prorated difference. Downgrades keep your current features until the billing period ends.
We accept all major credit and debit cards (Visa, Mastercard, Amex) through Stripe. Annual billing is available at a discount.
Each plan includes a monthly AI token pool that powers chat, categorization, reports, and other AI features. Track includes a starter budget, Insight has a generous pool for daily use, and Predict gives you the full power for heavy AI usage including Spotter and Pulse.
The price you sign up at is the price you keep — for as long as you remain subscribed and PennySlice is publicly operating. If we raise prices in the future, your rate stays locked. No surprises, no creeping costs. This applies to both monthly and annual billing. If you cancel and re-subscribe later, you'll get the price in effect at that time. The guarantee does not apply if PennySlice ceases operations or shuts down.
If you're not satisfied within the first 30 days of a paid plan, contact us and we'll sort it out. We want you to feel confident in your choice.