TLDR Money costs ₹299 a month, or ₹1,999 a year — about ₹167 a month. Every plan includes everything; nothing is held back for a higher tier. The 14-day trial gives full access and takes no card, so there is nothing to cancel if you decide it isn’t for you.
Month to month. Cancel anytime.
≈ ₹167/month — roughly a third less than monthly.
A locked early-user rate for year one. Limited number of seats.
TLDR Money isn’t open to everyone yet — seats are opening in batches, which is why the buttons above are dormant. Join the waitlist and we’ll email you when one opens.
A free finance app still has to pay for servers, salaries and support. That money arrives from somewhere, and in this category the somewhere is usually one of four places: brokerage on the trades you place, distribution fees on the mutual funds it recommends, interest on the loan it pre-approves, or a referral fee for the credit card in your feed.
All four are legal and entirely normal. The issue is narrower: each one gives the product a reason to show you something, and none of them give it a reason to tell you when the honest answer is to do nothing at all. A tracker that earns from placing a loan has an interest in how your spending gets framed back to you.
₹299 a month is the whole business model. If the product isn’t worth that, we don’t have a fallback revenue line to fall back on — which is the point. The longer version of this argument is on the about page.
| Revenue line | TLDR Money | What it creates an interest in |
|---|---|---|
| Your subscription | Yes | The product being worth paying for |
| Brokerage on trades | No | You trading more often |
| Mutual fund distribution fees | No | You buying particular funds |
| Lending / BNPL interest | No | You borrowing |
| Insurance commission | No | You buying a policy |
| Ads and referrals | No | Your attention, and your data |
Gmail alerts parsed and categorised automatically, with three months backfilled the moment you connect. How it works.
Funds, stocks, gold, property and deposits in a single net-worth figure. More on net worth.
Your FI number, progress, and a projected date for Lean, Coast and Fat FIRE. The arithmetic.
Works the same on iPhone and Android, because the capture layer is your mailbox rather than the handset — which is not true of SMS-based trackers. No SMS permission, no bank login, no OTPs; see security.
₹299 a month, or ₹1,999 a year which works out to about ₹167 a month. There is also a founding member rate of ₹999 for the first year, limited to a fixed number of early users. Every plan includes the same complete product — there is no feature held back for a higher tier.
There is a 14-day trial with full access, and it takes no card. Because no card is collected, nothing is charged when the trial ends — it simply stops, and your data and setup wait for you if you decide to subscribe later. The first time you are ever charged is when you actively choose a plan.
Because a free finance app still has costs, and the money then has to come from somewhere other than you — brokerage on trades, distribution fees on funds it recommends, interest on a loan it pre-approves, or a referral fee on a credit card. Each of those is legal and normal, and each gives the product a reason to show you something. TLDR Money has one revenue line, your subscription, so the only way it succeeds is if the product is worth paying for.
Cancel in one tap, anytime, from inside the app. You keep full access until the end of the period you already paid for, and you can export all your data on the way out. If you are still on the trial there is nothing to cancel and nothing charged, because no card was taken.
No. There are no ad networks, no third-party data brokers, and no anonymised-and-resold arrangement. TLDR Money is not a broker, not a mutual fund distributor, not an insurance intermediary and has no lending arm, so it earns nothing when you buy or hold any financial product. The subscription is the entire business model.
Full access for 14 days, no credit card. If it isn’t worth ₹167 a month, you’ll know before you’re ever charged.
Join the waitlistWe are opening seats in batches. No spam, ever.
Prices are in Indian rupees and include or attract GST as applicable. Subscriptions bought through the Apple App Store or Google Play are billed and refunded under that store’s terms. Full terms are on the terms page.