Fly solo or partner up

Your money.
Your way.

Built for two, and just as useful for one. Fly solo with a complete personal-finance view, or partner up to share selected activity, split expenses, and plan together. Connect to 13,000+ banks and financial institutions, then start with 1 connected checking, savings, credit card, or loan account.

Budgets 2.0 planning tools, reports, budget automations, and generous everyday AI are included Free. Go All Access for AI budget creation, Chip In Intelligence, deep dives and money stories, credit briefings, the investment suite, and up to 15 connected accounts*.

Need more than 15 connected accounts, or higher AI limits? We can offer a Pro plan with more generous limits. Contact support@chipin.mobi.

Compare the plans Get started free

More clarity, in every plan

Meet the newest tools.

Build your plan, explore your numbers, and use everyday AI with Free. The heavier AI tools are clearly marked All Access.

Core tools included Free

Reports

Net worth, cash flow, spending, income, bills, splits, patterns, drilldowns, and exports.

All Access Deep dives, report questions, and monthly money stories. AI briefings are Free.Explore Reports Core tools included Free

Budgets 2.0

Simple, Flex, Zero-based, and Paycheck plans. Flexible targets, rollovers, forecasts, sharing, and manual automations.

All Access Ask in English to build a budget and explore what-if scenarios. Rebalance, AI automation drafting, and briefings are Free.Explore Budgets 2.0 All Access

Investments

Holdings, performance and benchmarks, research, dividends, activity, retirement scenarios, custom rules, and a portfolio checkup.

Investment connections require All Access, including your first connected account.Explore Investments

Generous free AI

Everyday AI.
On every plan.

The quick, helpful AI comes with Free, with a generous daily allowance. No card, no trial clock. Go All Access when you want the heavy lifting.

Smart Signal analysisWhat a signal means for you, and the next step worth taking.
AI report & budget briefingsWhat changed, why, and what to do, written from your own numbers.
Rules & automations in a sentenceDescribe it in plain English. Review it before anything is saved.
Rebalance with a previewMove money to the lines running short. Nothing changes until you confirm.
AI categoriesThe right category for a charge, with its reason and confidence.
AI tips in your digestsOne useful, grounded tip in every budget digest.

Fair use keeps it free. Each day on Free: up to 10 Smart Signal analyses, 5 AI briefings, 10 rule or automation drafts, 3 Rebalance reviews, and 25 AI category checks. Allowances reset daily, and an answer Chip In already wrote for the same numbers never counts twice. All Access raises these limits, and every plan has fair-use limits that keep Chip In fast and stop abuse. If you reach a limit, Chip In shows when it resets.

AI receipt scanning is free too, for now. Snap a receipt and Document AI drafts the transaction for you to review.

Free AI may not stay free. AI features, daily allowances, and which plan includes them can change, and some may move to All Access. This page always shows what’s included today.

All Access Higher limits, plus AI budget creation, deep dives, monthly money stories, credit briefings, Chip In Intelligence, Split Intelligence, and the investment suite.

Budgets 2.0

A complete plan.
A little help when you want it.

Four ways to budget. Flexible targets for real life. Plan hands-on with everyday AI on Free, or let Chip In Intelligence build the budget with All Access.

SimpleFlexZero-basedPaycheck

Included Free

Build it your way.

Everything you need to set up, follow, and adjust your plan yourself.

All four methods and pay cycles. Monthly, twice a month, every two weeks, or weekly.
Targets that adapt. Savings goals, carryover, caps, savings sweeps, and moves between budget lines.
Your everyday picture. Health, spending pace, safe to spend, forecasts, history, and reports.
Rules you build. Set triggers and actions by hand, receive alerts and digests, and share selected plans.
Everyday AI, included. Rebalance with a preview, draft automations in a sentence, AI briefings, and AI tips in your digests, within a generous daily allowance.

See every budgeting feature

All Access · AI tools

Say it. Shape it. Review it.

“Build my budget from recent spending.
Keep groceries under $650.”

Ask in English. Get a proposed budget built from your spending, explanations, and what-if answers.
Understand the bigger story. Deep dives across your reports and a monthly money story, by email if you like.
Room to grow. Higher everyday AI limits, more connected accounts, and the investment suite.

Review AI proposals before applying or saving them.

Two plans. Nothing hidden.

Core reports, Budgets 2.0 planning, automations, sharing, and generous everyday AI come Free. AI budget creation, Chip In Intelligence, more connected accounts, and the investment suite require All Access.

Free

$0for now

Connect to 13,000+ banks and financial institutions. One connected account, every sharing tool, and no card required.

Get started free

Bank, credit card & loan connections1 account · 13,000+ institutions
Four budgeting methods
Budget health, forecasts & safe to spend
Build budget automations by hand
Rebalance with a previewAI review within a daily allowance
Reports overview
AI report & budget briefingsGenerous daily allowance
AI Smart Signal analysisGenerous daily allowance
Credit Journey payoff outlook
Promotional APR tracking & expiry alerts
Email alerts for bills & large expenses
Unlimited manual transactions
AI receipt scanningFree for now
One-tap splits
Automatic recurring shared splits
Card Spend Alerts
Two years of history on connect
Automatic daily sync

The complete picture

All Access

$99.99 per year

$8.33/mo · save $55.89 a year

More connected accounts, the investment suite, and grounded intelligence across your reports.

Go All Access

Bank, credit card & loan connectionsUp to 15 accounts*
AI budget builder & assistant
Financial intelligence - ask anything about your money
Investment & brokerage connectionsCounts toward the 15-account limit*
FMP market data & enriched dashboards
Dividend income & estimated payments
Household retirement scenarios
Deep dives across your reports
Credit briefingDaily fair-use limit
Your monthly money story
Monthly money-story email
Market quotes & daily moves
Investment Alerts
Split Intelligence
Charts, tables & instant follow-ups
Export answers as PDF, image, or CSV

Billed through the Apple App Store or Google Play. Auto-renews; cancel anytime. No free trial.

Compare every feature.

110 features · 29 All Access exclusives. Jump to what matters to you.

Feature availability and limits for Free and All Access
Feature	Free	All Access
Connected Accounts & Sync
Bank, credit card & loan connections Connect securely through Plaid to 13,000+ banks and financial institutions. Free covers one checking, savings, credit, or loan account; All Access covers up to 15 connected accounts.	1 account · 13,000+ institutions	Up to 15 accounts*
Investment & brokerage connectionsAll Access Connect brokerage, retirement, and crypto accounts. Investment data is enriched with third-party market feeds, so it lives in All Access and counts toward the connected-account limit.	—	Counts toward the 15-account limit*
Two years of history on connect Every new connection pulls 24 months of transactions so trends, subscriptions, and paydays are accurate on day one.
Automatic daily sync Transactions, balances, and recurring patterns refresh every day without opening the app.
On-demand refreshAll Access Sync right now instead of waiting for the daily update, and ask your banks for fresh data when Plaid's last pull is a few hours old.	—	Sync any time; bank refreshes every 6 hours, within a monthly allowance
Institution & account management Add, remove, or reconnect institutions and individual accounts at any time, with institution-level refresh controls.
Real-time connection alerts Know the moment a sync stalls or an institution needs re-authentication.
Accounts quick view Every balance, credit limit, and last-sync time in one tap from the dashboard.
Account balance timeline Interactive history charts with animated date-range filters across your accounts.
Transactions
Automatic categorization Transactions arrive with their primary and detailed categories from the bank-data provider. AI category checks that suggest a better fit are free on every plan, within a daily allowance.
One-click category picker Click a category on the Transactions grid to refile it in one step: how it counts (income, refund, transfer, card or loan payment), every category with search, apply to the merchant's other transactions, or make a rule. Picks stay through bank syncs.
Auto-categorize with AI Chip In Intelligence reads the merchant, the amount, and how you've filed it before, then suggests the category and the detail with a confidence level and its reason. Use it in one click.	Generous daily allowance	Higher daily limits
Search, sort & filters Month and day views, sort options, filters by institution, account, or manual entries, plus "All Time" ranges. Your filters are remembered between sessions.
Edit synced transactions Fix merchant names and descriptions, add notes, and attach a website to any transaction, synced or manual.
Unlimited manual transactions Log rent, cash, and off-statement spending so nothing shared falls through the cracks.
AI receipt scanning Document AI reads a receipt or subscription notice and prepares a transaction draft for you to review. Free on every plan for now.	Free for now
Full transaction detail Institution, account, balance at the time, category, recurring link, and split history in one place.
Tap-to-drill charts Tap any chart label or point to open the transactions behind it.
Manual transaction rules & tagsNew Build conditions and actions in the rule editor, organize transactions with tags, and preview matches before saving.
AI transaction rule draftingNew Describe a transaction rule in English. Review its conditions, actions, and matching transactions before saving.	Generous daily allowance	Higher daily limits
Spending & Cash Flow
Home dashboard Total assets, spend this month versus last, four-month spend history, and your next payday at a glance.
Spending by category & frequency See exactly where the money goes, from groceries to streaming, and how often it recurs.
Payday forecast & bills before payday Predicted paydays, bills due before then, and the balance you'll have left after they clear.
Smart Signals - calculated insights Calculated signals surface what changed and what needs attention. The AI-written analysis of each signal is free on every plan, within a generous daily allowance.
AI Smart Signal analysisNew Go deeper on a signal with an AI-written explanation, contextual recommendations, and next steps grounded in the underlying data.	Generous daily allowance	Higher daily limits
Budgets 2.0
Four budgeting methodsNew Simple category targets, Flex spending pools, Zero-based envelopes, and Paycheck plans. Choose the method that fits your life.
Flexible budget periodsNew Monthly, twice a month, every two weeks, or weekly, with a start day that matches your pay cycle.
Flexible targets & savings goalsNew Set an amount, refill to a balance, save by a date, use a share of income or a rolling average, or just track. Organize fixed bills, flex spending, non-monthly costs, savings, and debt.
Budget by category, merchant, tag & moreNew Match spending by category, detailed category, merchant, tag, account, or recurring bill. Custom rules can be drafted from a plain-English sentence, free on every plan within a daily allowance.
Carryover, caps & savings sweepsNew Start fresh, carry unused amounts forward, cap the carryover, or sweep the remainder to a savings budget line.
Budget health, forecasts & safe to spendNew See your health score, spending pace, period-end projections, and daily room to spend after your cushion. These numbers are calculated without AI.
Move money between budget linesNew Reassign this period's budget amounts when priorities change. These moves do not transfer money between bank accounts.
Rebalance with a previewNew Move money from lines with room to spare to lines running short, keeping your total the same. Preview every move, lock any line, and confirm before anything changes; Chip In Intelligence reviews the plan within a generous daily allowance.	AI review within a daily allowance	Higher daily limits
Personal & shared budget plansNew Plan solo or use selected shared activity in a household plan. Choose whether your partner can view the plan or also edit its lines and targets.
Budget alerts & email digestsNew Threshold, over-budget, and at-risk alerts, plus optional daily or weekly summaries of your numbers with an AI-written tip, on every plan.
Build budget automations by handNew Choose a trigger and actions in the editor: alert, email, notify your partner, pause a line, or move budget amounts. Or describe it in a sentence and AI drafts it, free within a daily allowance.
Budget reports, history & drilldownsNew Compare plan periods, follow spending and carryover, explore budget lines and their transactions, and export supported reports. AI briefings are free within a daily allowance; deep dives are All Access.
AI budget builder & assistantAll AccessNew Ask in English to build a budget from recent spending, explain a period, test what-if scenarios, or propose a rebalance. Review the proposal before applying it.	—
AI automation & custom rule draftingNew Describe a budget automation in a sentence, then review its trigger and actions before saving. AI can also draft custom transaction-matching rules.	Generous daily allowance	Higher daily limits
AI tips in budget digestsNew Add an AI-written tip grounded in your budget to your digest emails, on every plan.
Reports & AI Briefings
Reports overview Your money kept, period comparisons, cash-flow chart, largest changes, and findings across the Reports workspace.
Net worth history & change bridgeNew Assets minus debts, account-by-account trends, milestones, and a bridge explaining the change. Pace projections are estimates; investment connections require All Access.
Cash-flow reports & cash calendarNew Follow income into categories and savings with a flow chart, period comparisons, and a cash calendar. Transfers and card payments stay separate from spending.
Spending trends & what-if scenariosNew Category and merchant reports, spending calendars, month-by-month trends, and scenarios showing what spending less could leave.
Income sources & lifestyle trendsNew See each income source, cadence, steadiness, expected paydays, and whether spending is growing faster than income.
Bills reports & savings opportunitiesNew Committed monthly and yearly costs, renewals, price changes, overlapping services, and estimated opportunities to cut or share costs.
Couple spending & split fairnessNew Shared spending, who paid, unsettled balances and their age, and cost shares compared with income shares, using only activity shared with you.
Patterns, unusual charges & duplicatesNew Review unusual charges, possible duplicates, price increases, spending spikes, fees, spending rhythms, and alert history. Findings are prompts to review, not confirmed errors.
Explore & transaction drilldownsNew Open categories, merchants, income sources, and months as their own reports and follow the transactions behind the totals.
Saved report viewsNew Save a report with its date range, money scope, and comparison filters, then reopen it later.
Report data & chart exportsNew Export supported report tables and charts. Available formats depend on the report and include CSV, Excel, PDF, and chart images.
AI report & budget briefingsNew Focused explanations of what changed, why, and useful next steps, grounded in your report figures. Includes budget briefings.	Generous daily allowance	Higher daily limits
Deep dives across your reportsAll AccessNew Deeper reasoning across reports that connects patterns and ranks possible next steps by their estimated yearly impact.	—
Ask this reportAll AccessNew Ask plain-English questions and get answers from your own report context and transactions.	—
AI ExploreAll AccessNew Questions written from your own money picture, answered with charts, next steps and the categories, merchants and months worth opening. Informational, not financial advice.	—
Your monthly money storyAll AccessNew A connected read across your reports: what happened, why it mattered, and the moves worth considering. Informational, not financial advice.	—
Monthly money-story emailAll AccessNew Opt into last month's grounded money story by email during the first week of each month. Separate from regular financial digests.	—
Bills, Subscriptions & Income
Automatic recurring detection Bills, subscriptions, and income streams are detected from your sync and refreshed daily.
Subscription tracking with status Durable subscription records that survive plan changes and reconnections, each marked Active, Possibly Active, Possibly Stopped, Stopped, or Ignored.
Price change history Every price bump on every subscription, with the exact amount and percentage increase.
Lapsed & needs-review detection Spot subscriptions that quietly stopped charging or that need a second look.
Cash-flow forecast Upcoming charges projected month by month from your real recurring records.
Recurring income tracking Payroll and transfers tracked separately from expenses, normalized to monthly and annual figures.
Recurring manual transactions Set a frequency once and Chip In generates the transactions on schedule.
Partner Sharing & Splits
Partner connect Invite your partner in seconds. Each of you keeps an independent account and can disconnect at any time.
Granular sharing permissions Decide exactly what your partner sees: accounts, transactions, subscriptions, loans, or manual entries. Balances and private purchases stay yours.
Instant partner view toggle Tap an avatar to hide or show partner data anywhere in the app.
One-tap splits Split any transaction 50/50, by custom amount, or proportional to income.
Settle up Review who owes what, adjust a pending split before paying, and pay what your partner split with you.
Reversible payments via Venmo, Cash App, or cash Settle through your favorite app or record cash and checks. Reverse a payment record if plans change.
Payments history Who paid what, when, and through which rail, with tap-through to every underlying transaction.
Split Insights & exports Trend sparklines, search, and reports on your shared spending, exportable to CSV, Excel, or PDF.
Automatic recurring shared splits Set a split rule on a recurring bill once; Chip In splits every future charge and notifies you both.
Split IntelligenceAll AccessNew AI learns which transactions you two typically split and recommends the ratio, with its reasoning, before you tap SPLIT.	—
Credit Cards & Loans
Liabilities dashboard Balances, credit limits, APRs, minimum payments, and due dates for every card and loan.
Card Spend Alerts Set a monthly limit across one or more cards and get 75%, 90%, and 100% milestone alerts plus over-limit reminders, pending charges included.
Manual liability updates Correct or add APR, limit, and payment details your institution doesn't report.
Credit Journey payoff outlook Server-driven payoff projections, avalanche payoff order, a debt-free date, and a timeline of what to pay first.
Promotional APR tracking & expiry alerts Track 0% and intro-rate balances and get warned before the promotional rate ends.
Statement cycles, grace periods & cost of debt Statement-cycle and grace-period data per card, and what carrying each balance costs you this month.
Credit briefingAll AccessNew An AI report on your whole Credit Journey: payoff outlook and the moves that speed it up, what your debt costs, statement cycles, minimum-only paths and promotional rates, with charts and tables you can export.	—	Daily fair-use limit
InvestmentsAll Access
Portfolio performance & benchmarksAll AccessNew Compare portfolio and benchmark history, monthly returns, drawdowns, risk, and holding contributions. Historical values may be estimates based on current holdings.	—
Holdings, allocation & security researchAll AccessNew Review account, sector, and security allocation, concentration, historical prices, and market context in dedicated holdings and securities views.	—
Dividend income & estimated paymentsAll AccessNew Income history by holding, estimated upcoming payments, yield context, and dividend income compared with recurring bills. Estimates and coverage depend on available data.	—
Investment activity historyAll AccessNew Search and filter purchases, sales, income, and other reported activity across connected investment accounts.	—
Household retirement scenariosAll AccessNew Explore retirement age, spending, contributions, projected ranges, readiness, and tax mix on the web. Educational estimates, not guaranteed returns.	—
Portfolio checkup & data qualityAll AccessNew Bring concentration, fees, income, rule coverage, and missing data into useful next steps. Missing cost basis and unmatched securities stay visible.	—
FMP market data & enriched dashboardsAll Access Full Financial Modeling Prep market-data integration enriches your synced holdings with live performance, allocation, securities, movers, and per-symbol drilldowns.	—
Market quotes & daily movesAll Access Market quotes and daily moves for supported holdings. Quotes may be delayed; availability depends on the provider and security.	—
Investment AlertsAll Access Custom rules for price targets, daily moves, drawdown, portfolio milestones, 52-week levels, concentration, unrealized gain/loss, SMA crosses, and volume spikes, with Quick Presets to set them up fast.	—
Account activity alertsAll Access New and closed positions, dividends, and large trades the moment they post.	—
Investment data exportAll Access Holdings and performance to CSV or Excel.	—
Chip In IntelligenceAll Access
Financial intelligence - ask anything about your moneyAll Access Plain-English questions across spending, income, subscriptions, cards, loans, and investments, answered from your real data.	—
Grounded, verified answersAll Access Every number is computed from your own transactions before the AI writes a word. Tables and charts are validated and rebuilt if anything doesn't check out.	—
Charts, tables & instant follow-upsAll Access Pie, line, bar, and donut charts on demand. Ask "show that as a bar chart" and it appears without re-crunching.	—
Partner-aware reasoningAll Access Separates you from your partner, uses only what's been shared with you, and breaks down who paid for what.	—
AI SummaryAll Access A five-part briefing on your entire financial state, refreshed whenever you ask.	—
Conversation historyAll Access Every conversation auto-saves and is searchable.	—
Export answers as PDF, image, or CSVAll Access Take the question, the answer, and the chart anywhere.	—
Response actionsAll Access Copy, retry, rate, cancel mid-answer, or continue with suggested follow-up questions.	—
Alerts & Notifications
Real-time in-app notifications Sync, sharing, split, and payment events delivered live inside the app.
Alert snapshots Tap any alert to see the values captured when it fired, then jump straight to the rule that triggered it.
Email alerts for bills & large expenses Daily or weekly email for low balances, large expenses, upcoming bills, lapsed subscriptions, and liabilities.		Adds investment digests
Email preference controls Choose exactly which digests you receive from the web app.
Web App, Security & Privacy
Chip In on the web The same account, dashboards, and profile at coupleschipping.in.
iOS & Android apps Native apps with light and dark themes and full iOS 26 Liquid Glass support.
Context-aware in-app help Help panels on every screen explain what you're looking at and what to do next.
Bank-grade security Zero credential storage, one-time-password sign-up, and TLS-encrypted data at rest and in transit on Azure.
Privacy by design Your partner sees only what you explicitly share. AI queries run against obfuscated data.
Delete your account anytime One tap removes your data and disconnects every institution.

For most couples, one All Access subscriber can link accounts and share selected activity with a partner using Free. Individual paid capabilities stay with the subscriber. The 15-account limit applies to every plan. Need more than 15 connected accounts, or higher AI limits? We can offer a Pro plan with more generous limits. Contact support@chipin.mobi. Prices in USD; local store pricing may vary. Catalog v2026-10-25.1 · app 4.0.2.

A few things worth knowing.

Does one subscription cover both partners?

For most couples, one All Access subscription is enough. The subscriber links the accounts and chooses what to share; their partner can use a Free account to see that shared activity, splits, and payments. Individual paid capabilities stay with the subscriber, and sharing always respects what each person chooses to share.

Can my first free connection be an investment account?

No. Free includes 1 non-investment account: checking, savings, credit card, or loan. An investment or brokerage connection requires All Access even as your first account. All connections count toward the 15-account limit. Need more than 15 connected accounts, or higher AI limits? We can offer a Pro plan with more generous limits. Contact support@chipin.mobi.

Which Budgets 2.0 features are Free?

All four budget methods, flexible periods and targets, rollovers, forecasts, safe-to-spend numbers, budget-line moves, selected sharing, reports, and automations are included with Free. So is everyday AI: Rebalance with a preview, AI automation drafting, AI budget briefings, and AI digest tips, within a generous daily allowance. Core report drilldowns, saved views, and supported exports are also Free. AI budget creation, explanations, and what-if assistance require All Access.

Are budget automations and AI briefings included Free?

Yes. With Free you can build budget automations in the editor or describe one in English for AI to draft, and AI-written report and budget briefings are included too, within a generous daily allowance. Deep dives, monthly money stories, and money-story emails require All Access.

Which AI features require All Access?

Chip In Intelligence (ask anything about your money), AI budget creation and what-if answers, deep dives and monthly money stories, credit briefings on your cards and loans, and Split Intelligence are part of All Access. Everyday AI is Free: Smart Signal analysis, AI category suggestions, AI transaction rule and automation drafting, Rebalance, AI briefings, and AI digest tips. AI receipt scanning is also Free for now. Free AI features and allowances may change, and some may move to All Access.

How generous is the free AI?

Each day on Free you can run up to 10 Smart Signal analyses, 5 AI briefings, 10 AI rule or automation drafts, 3 Rebalance reviews, and 25 AI category checks, up to 40 in all. Allowances reset every day. An answer Chip In already wrote for the same numbers doesn’t count again, and Rebalance still shows its numbers after the reviews are used. All Access raises these limits, and every plan has fair-use limits that keep Chip In fast and stop abuse. If you reach a limit, Chip In shows when it resets. Free AI isn’t guaranteed to stay free: features and allowances may change.

How do I subscribe or cancel?

Choose All Access in the mobile app and confirm your purchase through Apple App Store or Google Play. Manage your subscription in the store where you purchased it. Your store shows the final local price and billing terms before purchase.

What happens when my subscription ends?

Your existing data is not deleted. Extra accounts and investment data remain visible, but paid capabilities are restricted again, including additional connections, on-demand refresh, Chip In Intelligence, and AI budget creation. Everyday AI returns to the Free daily allowance.

Is Chip In built to last?

Yes. We have spent three years building Chip In and are committed to keeping its core features dependable for the long term, with a 99.999% uptime target. As a focused, independent team, we ship improvements weekly, listen closely to customer feedback, and can refine the experience faster than larger personal-finance companies.

Your plan. Your pace. Your money, together.

Get started with Free, or choose All Access in the app. Available on iOS and Android, with web access included in both plans.

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Terms of ServicePrivacy Policy

Your money.Your way.

Meet the newest tools.

Reports

Budgets 2.0

Investments

Everyday AI.On every plan.

A complete plan.A little help when you want it.

Build it your way.

Say it. Shape it. Review it.

Two plans. Nothing hidden.

Compare every feature.

A few things worth knowing.

Your plan. Your pace. Your money, together.

Your money.
Your way.

Everyday AI.
On every plan.

A complete plan.
A little help when you want it.