Free vs Pro — Feature Comparison
Tier Comparison
Section titled “Tier Comparison”| Feature | Free | Pro | | ------------------------------- | ---------------------- | --------------- | | Dashboard & Transactions | 12 months | Unlimited | | Budget Overview & Setup | Yes | Yes | | Recurring Detection | 12 months | Unlimited | | Spending Analysis | 12 months | Unlimited | | Smart Auto-Categorization Rules | Yes | Yes | | Accounts | 2 | Unlimited | | Tags | 5 | Unlimited | | CSV Import & Export | Yes | Yes | | Bank Format Profiles | Unlimited | Unlimited | | Check Register | 12 months | Unlimited | | Data Export & Backup | Yes | Yes | | Bank Sync (SimpleFIN) | Within 2-account limit | Unlimited | | Budget History & Trends | -- | Yes | | Year-over-Year Analysis | -- | Yes | | P&L Statements | -- | Yes | | Cloud Sync (E2E Encrypted) | -- | Yes | | Receipt Attachments | -- | Yes | | Devices | Unlimited local | 2 synced |
Free Tier
Section titled “Free Tier”The Free tier provides full core functionality for personal finance tracking:
- Dashboard, transactions, and check register (12-month lookback)
- Budget overview and setup (current month)
- Recurring detection (12-month lookback)
- Spending analysis trends (12-month lookback)
- Smart auto-categorization rules with regex pattern matching
- Two (2) bank accounts, five (5) custom tags
- Bank sync via SimpleFIN within the two-account active-account limit
- CSV import/export with unlimited format profiles
- Full data export and backup
100% local-first — all data stays on your device. The Free tier runs on any device independently without an activation key; Pro adds two device activations with Cloud Sync.
Pro Tier
Section titled “Pro Tier”Pro unlocks advanced features for power users:
- Unlimited accounts and tags — track as many bank accounts and credit cards as you need
- Budget history and trends — view spending vs. budget over time
- Year-over-year analysis — compare spending month-by-month across years
- P&L Statements — Statement of Activity with income, expense, and net income breakdown
- Full recurring detection — unlimited history, upcoming forecasts, budget integration
- Unlimited bank sync accounts — automatic transaction import via SimpleFIN Bridge for all accounts
- Cloud sync (E2E encrypted) — multi-device sync via your cloud storage
- Receipt attachments — attach images and documents to transactions
- 2 device activations — use Pro on two devices simultaneously
Activation
Section titled “Activation”See the Licensing guide for step-by-step activation, device management, and offline behavior.
Your Data Is Always Yours
Section titled “Your Data Is Always Yours”Regardless of tier, your data stays on your device and is never locked:
- CSV export is always available (Free and Pro)
- Downgrading from Pro preserves all data — only Pro-specific features are locked
- No data is ever deleted due to license changes