Pricing
Free at launch. Paid tier coming.
Every account starts with 30 days of Pro, free — no card on file and no countdown to cancel. When it ends you move to Free and keep everything you have recorded; only adding past the Free limits stops.
FREE
Get your money in one place
Free
- 2 accounts
- 1 credit card
- 1 person on the ledger
- 60 AI questions a month
- Unlimited transactions
- Every bank, card and currency in one view
- CSV and Excel import, and export, always
- On-device receipt OCR
- Monthly P&L, Categories and Top vendors
PRO
For the person who runs on it
₹1,429 / yr
GST 18% · save 20%
- Unlimited accounts
- Unlimited credit cards
- 1 person on the ledger
- 400 AI questions a month
- Unlimited transactions
Everything in Free, plus
- Bank PDF import, including password-protected statements
- AI reads your receipts
- Cash flow, Statement, Net worth, Budget vs actual
- Excel and PDF export
- Connect Moniqo to Claude (API and MCP)
- India tax estimate
FAMILY
The household ledger
₹2,389 / yr
GST 18% · save 20%
- Unlimited accounts
- Unlimited credit cards
- 5 people on the ledger
- 600 AI questions a month
- Unlimited transactions
Everything in Pro, plus
- Up to 5 people on one ledger
- The deep receipt read — slower, more accurate
BUSINESS
Volume, and a person to email
₹4,299 / yr
GST 18% · save 20%
- Unlimited accounts
- Unlimited credit cards
- 10 people on the ledger
- 3000 AI questions a month
- Unlimited transactions
Everything in Family, plus
- Up to 10 people on one ledger
- Priority support
Compare every row
| FREEGet your money in one placeFree | PROFor the person who runs on it₹1,429 / yrGST 18% | FAMILYThe household ledger₹2,389 / yrGST 18% | BUSINESSVolume, and a person to email₹4,299 / yrGST 18% | |
|---|---|---|---|---|
| Transactionsyour ledger is never capped, on any plan | Unlimited | Unlimited | Unlimited | Unlimited |
| Accounts | 2 | Unlimited | Unlimited | Unlimited |
| Credit cards | 1 | Unlimited | Unlimited | Unlimited |
| People on the ledger | 1 | 1 | 5 | 10 |
| Ask Moniqo — the AI chatquestions about your own money, in the app | 60/mo | 400/mo | 600/mo | 3000/mo |
| Import — CSV and Excel | Included | Included | Included | Included |
| Import — bank PDFincluding password-protected statements | Not included | Included | Included | Included |
| Receipts — on-device OCR | Included | Included | Included | Included |
| Receipts — AI read | Not included | Included | Included | Included |
| Receipts — deep read | Not included | Not included | Included | Included |
| Reports — P&L, Categories, Vendors | Included | Included | Included | Included |
| Reports — Cash flow, Statement, Net worth, Budget vs actual | Not included | Included | Included | Included |
| Export — CSV | Included | Included | Included | Included |
| Export — Excel and PDF | Not included | Included | Included | Included |
| Connect Moniqo to ClaudeAPI and MCP access | Not included | Included | Included | Included |
| India tax estimate | Not included | Included | Included | Included |
Reaching a limit never hides or deletes anything — only adding past it stops. CSV import and export are on every plan, always.
The paid tier adds everything above, plus:
- Interactive AI chat (“Ask anything about your spending”)
- Workspaces (freelancer / side-hustle context separation)
- Field-level encryption upgrade
- Priority support
- API access
Early-user commitment: every account that signs up before paid pricing launches is grandfathered into a discounted plan for life.
Pricing and dates are targets, not commitments, and may change before the paid tier launches. The free tier and the early-user grandfather promise will be honoured.