Simple, honest pricing
Hemisphere is free forever. Try Premium free for 14 days, no charge if you cancel.
- No setup fees
- Cancel anytime
- Card details go straight to Stripe
Free
Real budgeting, free forever.
- All 37 budget categories + unlimited transactions
- Net worth + balance history tracking
- 4 money calculators, including time-cost
- Email reminders + two-factor security
- Transaction tags + up to 3 savings goals
- 3 income sources, 8 bills, 5 accounts
$0/month
No credit card required
We are opening in stages. Request an invitation and we will email you when a place opens.
Premium
Your bank syncs itself, every limit lifts, and the deeper tools turn on.
- Automatic bank sync (US banks)
- Silas, the AI money coach
- Spending insights + AI chat
- Recurring radar + monthly scores
- Unlimited income, bills, goals & accounts
- Loan payoff + multi-loan strategies
- Net worth history + projections
- Full ledger + CSV/XLSX export
- Text reminders + custom alerts
- All 8 calculators, splits & templates
$10.99/month
Premium free for 14 days · then billed monthly · cancel anytime
No charge during the 14-day trial, and a full refund if anything is broken in your first 14 days. Card required to start; cancel any time before it ends.
Free covers a real budget. Premium puts it on autopilot.
Everything below is included free unless it is marked Premium. Upgrading lifts the limits; it does not put the basics behind a paywall.
| Feature | Free | Premium |
|---|---|---|
| Tracking | ||
| Transactions | Unlimited | Unlimited |
| Transaction tags | Yes | Yes |
| Split a transaction across categories | Not included | Yes |
| Budgeting | ||
| Built-in budget categories | All 37 | All 37 |
| Monthly budgets + rollover | Yes | Yes |
| Reusable budget templates | Not included | Yes |
| Category variance trends | This month | 6-month trend |
| Income, bills & goals | ||
| Income sources | Up to 3 | Unlimited |
| Bills tracked | Up to 8 | Unlimited |
| Savings goals | Up to 3 | Unlimited |
| Accounts & net worth | ||
| Bank sync (connect a US bank) | Not included | Yes |
| Accounts | Up to 5 | Unlimited |
| Net worth + balance history | Yes | Full history + APY |
| Loan payoff planner | Not included | Yes |
| Avalanche vs. snowball | Not included | Yes |
| Planning & reports | ||
| Money calculators | 4 of 8 | All 8 + saved scenarios |
| Spending & income reports | Last 3 months | Up to 24 months |
| Insights & AI | ||
| Silas, the AI budgeting coach | Not included | Yes |
| Money-habits insights | Not included | Yes |
| AI chat for budgeting questions | Not included | Yes |
| AI-assisted categorizing | Not included | Yes |
| Reminders | ||
| Email reminders & alerts | Yes | Yes |
| Text (SMS) reminders | Not included | Yes |
| Power tools & export | ||
| Ledger spreadsheet | View + copy | Edit, bulk-edit, export |
| Data export (CSV & XLSX) | Not included | Yes |
| My money canvas & story | Not included | Yes |
| Recurring-spend radar (subscriptions, price hikes) | Not included | Yes |
| Cash runway, typical band + monthly scores | Not included | Yes |
Questions, answered
No. We collect your card up front (industry standard, prevents trial abuse), but you are not charged until the 14-day trial ends. Cancel anytime before then from Settings → Plan & billing, and you will not be billed and your data stays. New customers get the full 14-day trial; if you have subscribed before, you may not be eligible for another free trial.
Yes. Manage your billing in Settings → Plan & billing at any time. Switch from monthly to annual and you only pay the difference; switch back the other way and the unused part goes on your account as credit.
Your account stays open and we keep your data for as long as you want it. You drop back to the Free limits (3 income sources, 8 bills, 5 accounts, 3 goals), but everything you logged on Premium stays visible — you just cannot add more beyond the free limits unless you subscribe again.
If something is broken in your first 14 days, contact support and we will refund you in full. After that we do not refund part-months, but you can cancel any time and keep using Premium until the end of the period you paid for.
Yes. Your card details go straight to Stripe, so we never see them. Everything else is locked to your account in the database itself, and encrypted both on the way there and while it sits. Your password is never stored anywhere we could read it.
Better money habits, starting now.
Free forever to begin. When you want more, try Premium free for 14 days. Cancel any time and keep everything you’ve logged.
No credit card to start · Premium free for 14 days
Free to start. Premium is free for 14 days, and you can cancel any time and keep your data.