Simple, honest pricing
Start free. Go Pro for $9.99/year — or pay $25 once and keep it forever.
Free
Try UpgradeOS Ledger.
$0forever
- Up to 30 AI CFO messages / month
- Up to 3 accounts, goals, and budgets
- Expense, income & net worth tracking
- Monthly spending reports
- Receipt uploads (5 / month)
- Community support
Most popular
Pro
Everything unlimited, for less than a dollar a month.
$9.99/year
- Everything in Free
- Unlimited AI CFO conversations
- Unlimited accounts, goals, budgets, receipts
- AI Memory & transaction categorization
- Forecasting, debt payoff & retirement planning
- Advanced reports & priority support
Best value
Lifetime
Pay once. Every Pro feature, forever.
$25one-time
- Everything in Pro, forever
- One payment — no subscription
- All future Pro features included
- AI Memory & forecasting
- Financial health score
- Priority feature requests
UpgradeOS Ledger is currently in private beta.
Join the waitlist for early access and launch pricing. Pricing shown is what you'll pay once we launch publicly.
Payments are paused during the private beta. You won't be charged for joining the waitlist.