Pricing
Simple, honest pricing.
Start free and upgrade when you need more. No hidden charges, no data selling, no nonsense.
Pricing plans
Free
£
0
/ month
Everything you need to get your household finances organised and build great money habits. Free, forever — no time limit.
- Up to 2 accounts
- Unlimited transactions
- Transaction categorisation & split
- Monthly budgets
- Recurring bills calendar
- Spending reports (limited)
- 2 years of history
- Home inventory (limited)
- Cash flow forecasting (up to 90 days)
- What If's scenario planning (up to 90 days)
Most Popular
Pro
£
5
.99 / month
less than two cups of coffee
Billed annually at £71.88/year
The full power of Thrifty Owl. Everything in Free, plus tools for managing a whole household's finances.
- Unlimited accounts
- Unlimited transactions
- Transaction categorisation & split
- Monthly & annual budgets
- Recurring bills calendar
- Advanced reports & charts
- Full transaction history
- Investment tracking
- Loan tracking
- Home inventory (unlimited)
- Share your account with another person
- Connect your own AI assistant (read-only, or read & write)
- Unlimited cash flow forecasting
- Unlimited What If's scenario planning
- Priority support
Try Pro free for 14 days. No payment up front, and we only charge you if you keep it.
Cancel any time. Your data stays yours - request a full copy whenever you like.
Pro is billed annually at £71.88/year (equivalent to £5.99/month). Cancel your Pro subscription any time.
Compare plans
What's included
| Feature | Free | Pro |
|---|---|---|
| Accounts | Up to 2 | Unlimited |
| Transaction categories | ✓ | ✓ |
| Split transactions | ✓ | ✓ |
| Budgeting | Monthly | Monthly & annual |
| Recurring bills calendar | ✓ | ✓ |
| Spending reports | Limited | Advanced |
| Transaction history | 2 years | Unlimited |
| Investment tracking | — | ✓ |
| Loan account tracking | — | ✓ |
| Home inventory | Up to 5 items | Unlimited |
| Account sharing | — | ✓ |
| AI assistant access | — | ✓ |
| Cash flow forecasting | 90 days | Unlimited |
| What If's scenario planning | 90 days | Unlimited |
| Customer support | — | ✓ |
FAQ
Frequently asked questions
Yes. The Free plan has no time limit and no credit card requirement. You get access to core features — account tracking, budgeting, and recurring bills — for as long as you want.
No. We set up two demo accounts with sample transactions when you sign up, so you can see how Thrifty Owl works right away instead of starting from a blank dashboard. They're free and don't count towards your account limit — delete them whenever you're ready to add your own.
Your data is always yours. If you downgrade to Free, your existing data remains intact. You'll simply lose access to Pro features going forward, but nothing is deleted.
Yes — all users, Free and Pro, can import their existing Microsoft Money file directly. CSV import and export aren't available yet, but they're on our roadmap.
Yes. Accounts, categories and your full transaction history come across, and large files are fine: we've imported a Money file with over 25,000 transactions. After importing, check your balances against your statements before you stop using Money.
Absolutely. All data is encrypted in transit (TLS) and at rest. We use industry-standard authentication, and we never share or sell your data to third parties. Ever.
We accept all major credit and debit cards via Stripe. All payments are processed securely and we never store card details on our servers.
Start managing your money today
Free forever on the core features. Upgrade to Pro any time, cancel any time.