Plans & billing

Compare Free, Plus, Premium & Premium Plus

See what each plan includes so you can pick the right fit.

Updated 2026-06-14

Vault is genuinely useful for free, and paid plans simply add automatic bank syncing and a few extras. Here is how the tiers compare.

Free: manual entry, receipt scanning, statement import, budgets, goals, debt, net worth, forecast, and the on-device AI coach. No linked banks; everything stays on-device.
Plus, $2.99 per month: everything in Free, plus connect 1 bank through Plaid for automatic transactions.
Premium, $4.99 per month: everything in Plus, up to 3 linked banks, advanced insights, and the option to download the on-device Cedar AI model for richer coaching.
Premium Plus, $9.99 per month: everything in Premium, up to 10 linked banks, unlimited syncs, and Family Sharing.

Manual is always free and on-device

You never need to pay to track money in Vault. Paid plans are only about optional bank syncing and the extras above.

Related guides

Connect a bank with Plaid

Link an account so your transactions and balances stay up to date automatically.

What happens if I downgrade or cancel

Bank sync stops, but everything already imported stays with you.

Restore purchases

Get your subscription back after reinstalling or on another device.

Still need a hand?

Email support@obsidianridgelabs.com, a real person will reply.