Free and Pro
The free plan is not a trial. It does not expire, it does not lock your data behind a paywall, and the core of the app, recording money and understanding it, is free forever.
Pro pays for the parts that cost us money every time you use them: servers, AI calls and sync.
Side by side
| Free | Pro | |
|---|---|---|
| Transactions, categories, accounts | Unlimited | Unlimited |
| Budgets and reports | Yes | Yes |
| Savings pockets and goals | Up to 3 active | Unlimited |
| Debts, subscriptions, recurring payments | Yes | Yes |
| Currency converter | Yes | Yes |
| Home screen widgets | Yes | Yes |
| Local backup and export | Yes | Yes |
| WhatsApp capture | Yes, up to 2 transactions a day | Yes, no daily cap |
| Receipt scanning | 2 per month | 10 per day |
| Voice and note capture | 2 per day | Included in the higher AI allowance |
| Assistant chat | Yes, with ads | Much higher allowance, never blocked |
| Bank SMS capture, Android | No | Yes |
| Google Pay and payment notifications, Android | No | Yes |
| Apple Pay through Shortcuts, iPhone | No | Yes |
| Sync across devices, AI Money Cloud | No | Yes |
| Shared space with your partner | No | Yes, as host |
| Secondary currency worlds | No | Yes |
| AI inside Reports | No | Yes |
| Ads | Yes | Removed |
How the limits actually behave
Free has a daily allowance on the capture channels that call AI: voice notes and receipt scanning. When you reach it, the app tells you, and manual recording is always available and always unlimited.
Pro has a much larger daily allowance, and reaching it never blocks you. Past the threshold you may see an ad before a request, but the request still goes through. We would rather show you an ad than tell a paying user no.
Some capture channels do not touch your AI allowance at all. Bank SMS capture is one of them: it runs its own extraction and does not consume your daily quota.
Who is Pro
Your subscription is tied to your app store account, and the source of truth is the store, not us. That means:
- Restoring works from Settings, or simply by signing in with the same store account.
- Buying Pro as a guest works, but we warn you first: a subscription with no account behind it is harder to restore if you lose the phone.
- Deleting your AI Money account does not cancel your subscription. Cancel it in App Store subscriptions or Google Play subscriptions.
Inviting friends
Invite five friends who install the app and create an account, and you get one month of Pro, granted once. The reward is for people who have never had Pro before, and self referrals do not count, both of which are enforced on our servers rather than in the app.
Your invite link looks like https://www.ai-money.app/invite?ref=YOURCODE. If the code did not travel through the install, whoever you invited can paste it by hand in the app.
If a purchase went wrong
If you paid and the app still shows you as free:
- Open Settings and use Restore purchases.
- Make sure you are signed into the same store account you paid with.
- Force close and reopen the app, so it re-reads your subscription.
If it still does not appear, write to servicios@cuentate.com with the store receipt. Paid and not Pro is treated as a serious bug, not a support ticket.