Is My Little Accountant really free forever?

Yes. The Free plan does not expire and does not require a credit card. It includes connected accounts, custom categories you assign manually or with your included AI chat, spending, cash-flow and net-worth tracking, personalized insights, one custom dashboard, and one AI chat with up to five messages per rolling allowance. The one-month reset period begins after you use the fifth included message.

Pro learns your custom categories and categorizes transactions into them every night. It also includes unlimited AI chats and messages, multiple personalized dashboards, and richer insights. It costs $89.99 per year—equivalent to $7.50 per month—or $9.99 billed monthly.

No. Free does not expire and does not require a credit card. You can upgrade to a monthly or yearly Pro plan whenever you want.

What happens to my categories if I cancel Pro?

Your custom categories, prior AI assignments, and saved rules are preserved and remain visible. While you are on Free, new transactions start Uncategorized unless a saved rule matches; you can categorize manually or ask AI within your included chat limit. If you return to Pro, automatic nightly AI categorization resumes.

Free AI Personal Finance Assistant | My Little Accountant

Your personal

money assistant

Train your AI in 5 minutes and never worry about tracking your spending again.

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My Little Accountant is free forever. Upgrade to Pro when you want nightly AI to organize your custom categories.

It learns your spending habits

Just by talking to Your Little Accountant, it learns your preferences and categorizes your transactions just the way you like.

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Track your spending, net worth, and income

Net worth chart showing $646,477 balance growing $231,755 over one year, with time-range tabs. — Net worth

Connected accounts list showing checking, savings, and brokerage balances across multiple institutions. — Where it lives

Spending breakdown for the month with bar chart by category — housing, groceries, restaurants, and more. — Spending breakdown

No more annoying budgets

We learned that micro managing a detailed budget isn’t realistic, instead set a single monthly spending goal.

Spending goal card showing $4,337 spent against a $5,000 monthly goal, with a chart that pace-checks against the day of the month.

See your cash flow

Track how much money is left over every month, see that stack up over quarters.

Monthly cash flow card showing $8,061 income-minus-spending for May with income $12,399 and spending $4,337. — Monthly view

Quarterly cash flow card showing $10,622 income-minus-spending across Q2 with income $24,163 and spending $13,540. — Quarterly view

Make any dashboard you can imagine

Tell your coding agent what you want to understand, track, or organize. It builds a private dashboard around your financial data in My Little Accountant. You can keep changing the design, calculations, and interactions just by chatting.

Start with one of these ideas, or invent something completely different.