Base — $7.99 / month (billed annually)

Everything one person needs to budget calmly.

• Connect up to 5 institutions
• Live transaction sync via Plaid
• AI-categorized transactions
• Custom categories & groups
• Budget pie + cashflow visuals
• Be in up to 2 households
• Community + in-app support

Base+ — 4.99 / month (billed annually)

For households tracking shared money and bigger goals.

• Unlimited institutions
• Up to 5 household members
• Be in up to 5 households at once
• Multi-account dashboards
• Custom AI insights & summaries
• Goal projections + auto-rules
• Priority support

Which plan should I pick?

Start with what you need today: sync transactions, categorize spending, then decide whether household controls, multi-account analysis, and richer AI summaries are worth Base+.

Base is enough when

You budget solo, connect a few banks or cards, and mainly need synced transactions, categories, and cashflow.

Base+ helps when

You manage shared household money, compare several accounts, rely on summaries, or want Neptune to monitor goal pace.

Upgrade later if

You start with Base and hit the limits: more institutions, multi-account dashboard views, household members, or deeper AI help.

Base+ feature explanations

• Multi-account dashboards separate each account while keeping a combined view.
• Custom AI insights summarize spending changes, subscriptions, and unusual activity.
• Goal projections show whether the current pace reaches the target date.

Questions, answered

Can I switch plans later?

Anytime. Upgrades prorate immediately; downgrades take effect at the next billing cycle.

What happens if I cancel?

You keep access until the end of the period you already paid for. Your data stays intact in case you come back.

How is annual cheaper than monthly?

Monthly billing carries about a 7% surcharge to cover payment-processing churn. Annual locks in the lower rate.

Do you offer refunds?

Within 14 days of your first paid charge, yes. After that, your subscription continues until the end of the period.