# Spenco Pricing — start free, upgrade when it earns it

We sell the app — never your data. That one sentence is the whole business model, and it's why the pricing below is the only way Spenco makes money. No ads, no lending partners, no data brokers.

| Plan | Price | Availability |
|---|---|---|
| Starter | Free for your first year, then ₹499/year (limited-time launch offer) | Purchasable now |
| Pro | ₹1,999/year (50% off the ₹3,999 list price) | Not purchasable yet |
| Founder | ₹25,999 one-time, first 100 only, by direct contact | Not purchasable yet |

**Starter** includes transactions, insights & analytics, the basic dashboard, the auto email parser (7 banks), and limited AI chat.

**Pro** adds the forecast dashboard, net worth tracker, spending planner, statement upload, group expenses & families, and unlimited AI chat. Built and running today; pricing goes live shortly.

**Founder** is everything Spenco ever ships, yours for life. Arranged by direct contact with the team.

## What each plan actually costs

| Plan | Today | Renewal | Billing | Best for |
|---|---|---|---|---|
| Starter | Free | ₹499/yr after year one | Annual | Anyone who wants automatic tracking without paying to try it |
| Pro | ₹1,999/yr | ₹1,999/yr locked for early users | Annual | People who want the forecast, net worth, and planner |
| Founder | ₹25,999 | Never — one time | One-time | First 100 users who want every future feature for life |

## Pricing FAQ

**Is the free year really free?** Yes. Starter is free for your first year as a launch offer, then ₹499/year. No card required to start.

**Will free features move behind the paywall later?** No. What's free today stays free — transactions, insights, the email parser, and the basic dashboard are permanently Starter features.

**What happens when Pro launches?** Nothing changes for Starter users. Pro unlocks the forecast dashboard and the rest of the command centre at ₹1,999/year for early users.

**Is there a refund policy?** Yes — 15-day refund, no questions asked.

**Why is there no "contact sales"?** Because there's no sales team. Email tyrisappsupport@gmail.com for anything, including the Founder tier.

Start free at app.spenco.ai · Compare all features: /features