Start free trial

One plan. The whole price is on this page.

A$10 a month or A$100 a year, with 14 days free and no card needed. Every feature and every kind of money, for everyone, in Australian dollars.

Everything

One plan with every feature, for every kind of money.

A$100 a year

That’s A$8.33 a month, or about 27 cents a day. Full refund if you cancel within 30 days.

  • Every bank, card and broker, in any country and currency
  • Every account checked against your bank, to the cent
  • Automatic categories from each transaction’s description and context
  • Sharper subcategories suggested as it learns, applied back through your history
  • A few questions when it can’t tell, and every answer remembered
  • Spending against your usual month
  • Every asset and loan in one picture: property, shares, super, funds, crypto and private holdings
  • How your wealth is spread, what’s growing, and what moved it
  • Investments booked properly: capital calls and property purchases are never counted as spending
  • Money you’re owed, by a friend or your own company, closed automatically when it’s paid back
  • Goals set in a sentence, checked every month
  • Ask your books a question, or connect Claude or ChatGPT to them
  • Share a book with a partner or your accountant
  • Export as CSV, JSON or Beancount, any time
Start free trial

14 days free, no card needed. Add one only if you decide to stay.

Why it isn’t free. The subscription is the whole business. There are no ads, no data sales and no commissions for recommending products.

What the fourteen days are for.

  1. Day 1

    Bring in the last few months

    From every account you have, as far back as you like. Your history is built back from day one.

  2. The first few days

    Answer what it can’t tell

    A handful of questions, each one kept as a rule so it isn’t asked again.

  3. By day 14

    See a whole month

    What came in, what went out, what you kept, and why your net worth moved.

  4. Day 15

    Decide

    Add a card to keep bringing in new months, monthly or yearly. If you don’t, nothing is charged, and you can still open and export your books.

About the price.

Why one plan?

Because the books are the same whether your money is simple or complicated. A second currency, a company, a fund or a joint account is a different kind of account, not a different product, so everyone gets everything and nobody has to guess which tier they need.

Monthly or yearly?

Either. A$10 a month, or A$100 a year, which works out at A$8.33 a month: two months free.

What happens during the trial?

You get everything for 14 days, and no card is needed to start. Bring in last month, or as many past months as you like, and see your history built back, your questions answered and where you stand.

What currency am I charged in?

Australian dollars, and the prices include any GST. Your books can be kept in any currency; if your card is in another currency, your bank converts the charge.

Are there any other fees?

No. There are no per-account fees and no charge for exports or for sharing a book. What’s on this page is the whole price.

Can my partner or my accountant use it?

Yes. Invite someone to a book as an editor, a viewer, or an accountant who can read and export but not change anything. It’s part of the plan.

Can I cancel?

Any time, from inside the app. Cancelling stops the next renewal, your access runs to the end of the period you’ve paid for, and you can export everything before then.

Do you give refunds?

Yes, on yearly plans: cancel within 30 days of being charged and the whole payment comes back. Monthly plans can be cancelled any time, and the rest of that month isn’t refunded, except where consumer law requires it.

Fourteen days is enough to see a whole month.

14 days free, no card needed. Then A$10 a month or A$100 a year, and your books are yours to export at any point.

Start free trial Questions first? support@cent4cent.com