Pricing
Free at launch. Paid tier coming.
We're focused on making Moniqo right for the first 50 users. While we're in early production, the product is free for everyone — no card on file, no trial countdown, no feature gate.
Today
| Price | Free |
|---|---|
| Trial limits | None — no card on file, no countdown |
| Feature limits | None — every feature is available |
| Multi-currency | All currencies, no extra cost |
| Bank parsers | All bank formats included |
| Receipts OCR | Unlimited |
| AI insights | One monthly insight per user |
| Family sharing | Coming in a future release (no extra cost during the free tier) |
When pricing arrives
Choose your region for indicative pricing:
Monthly
₹99 / month
₹149 regular · introductory price
Yearly · best value
₹949 / year
billed annually
+ applicable GST · prices are targets, not commitments, and may change before the paid tier launches.
The paid tier adds everything above, plus:
- Interactive AI chat (“Ask anything about your spending”)
- Workspaces (freelancer / side-hustle context separation)
- Field-level encryption upgrade
- Priority support
- API access
Early-user commitment: every account that signs up before paid pricing launches is grandfathered into a discounted plan for life.
Pricing and dates are targets, not commitments, and may change before the paid tier launches. The free tier and the early-user grandfather promise will be honoured.