For about the price of one hamburger, you can stop guessing about your money.
Chip In keeps the core finance tools free, including connected account syncing. Financial Intelligence is the small paid upgrade that helps turn your real spending, income, subscriptions, bills, and shared activity into answers you can act on.
Hiding from financial stress does not make it smaller. The more context you have, the more tools you have to make better decisions, catch waste, avoid surprises, and save real money.
Financial Intelligence upgrade
A small monthly upgrade for AI answers grounded in your real money context.
Costs less than a meal out
Try advanced financial reasoning for a small monthly cost that can be less than one fast-casual meal.
Can uncover real savings
A single missed subscription, fee, spending pattern, or bill surprise can cost more than the upgrade itself.
Built for real finance context
Ask questions grounded in your actual Chip In data, not generic advice that ignores your household reality.
Financial Intelligence Subscription
Flexible monthly or annual billing through the app stores. Cancel anytime.
Flexible
Choose the option that fits your household.
Start free trialWhat the upgrade unlocks
- Advanced financial intelligence powered by modern AI models and grounded in your Chip In context.
- Reasoning across income, expenses, balances, subscriptions, manual transactions, bills, outliers, and shared partner activity.
- Partner-aware answers for splits, shared expenses, comparisons, settlement history, and the transactions your partner chooses to share.
- Multi-modal responses with text explanations, tables, and charts that make complex money questions easier to understand.
- Conversation history that can continue between web and mobile with prior prompts, responses, and structured data context.
- Exports to PDF, image, and CSV-friendly Excel formats for planning sessions, records, or shared money conversations.
Small insights can create big savings.
Financial clarity is not just about charts. It is about spotting the subscription you forgot, the category that quietly grew, the bill that is about to hit before payday, or the pattern that keeps creating stress.
Subscription checks
Find services you forgot, rarely use, or need to cancel.
Outlier detection
Spot unusual charges and categories before they become habits.
Bill timing
Understand what is coming before payday surprises you.
Partner clarity
Talk through shared spending with facts, not guesses.
Avoiding the numbers does not protect you from them.
Money stress gets easier to face when you can ask clear questions and get clear answers. Chip In gives you more information, more context, and more ways to act before small issues become expensive ones.
Ask what changed
See what moved this month and why it matters.
Reduce waste
Find where spending can be reduced without guessing.
Prepare earlier
Plan for bills, subscriptions, and cash-flow pressure.
Talk with facts
Bring better information into couple money conversations.
One insight can be worth far more than one month.
Try Financial Intelligence and see what your money has been trying to tell you.
Start free trial