Plans, pricing, and billing

Current plans

• Essentials (Individual) — $12.99/month or $94.99/year
• Essentials (Couple) — $14.99/month or $99.99/year
• Premium Credit (Individual) — $24.99/month or $239.88/year
• Premium Credit (Couple) — $44.99/month or $467.88/year

Couple plans cover two people in one household under a single subscription — see Inviting your partner or family member.

What every plan includes

All plans include Zypper's full set of money tools, as listed on the pricing page:

• Daily bank sync — connect your bank accounts to automatically sync and categorize transactions and balances daily
• Auto categorization — transactions are categorized automatically for accurate budgeting and spend tracking
• Budgeting — set a monthly budget for each category and track what you've spent against it, with unspent amounts rolling over when you want them to
• Spend tracking — see your spending habits by category over time
• Net worth tracking — bank accounts, real estate, investments, credit cards, and loans combined into a single balance over time
• Subscription & bill tracking — recurring bills and subscriptions identified automatically, with due dates
• Savings goals — set and track savings for large purchases or emergencies
• Cash flow reports — income versus expenses over time
• Customizable categories — create your own categories to match your spending
• Customizable reports — advanced charts, reports, and tables of your full financial picture
• Email & chat support — reach our support team anytime
• AI Assistant — ask questions about your accounts, balances, transactions, and budgets, and have it set a category's budget for this month or a future month once you approve the change

Each person in your household has their own monthly limit for using the assistant. If you reach it, the assistant shows the date the limit resets, which is the 1st of the next month. You can still approve or deny a change it proposed before you reached the limit.

What Premium Credit adds

Premium Credit includes everything above, plus credit reports & scores from all three bureaus (TransUnion, Experian, and Equifax), refreshed every 30 days — see Credit report refresh schedule. Each report also comes with automatic insights and score recommendations. With Premium Credit, the assistant can also answer questions about your credit report.

Free trials

The Essentials plan comes with a 7-day free trial for new customers, but the Premium Credit plan does not include a free trial and requires payment at the time of activation. When a trial is available for the plan you choose, the trial length is shown at checkout before you pay, and it's applied automatically.

If you pay for another money app, upload a receipt for it when you sign up: Essentials is then free for 90 days, and Premium Credit is 50% off for your first 3 months — see Switching from another money app.

Monthly vs annual billing

Annual plans bill once per year, upfront. A single larger charge (for example, $239.88) is an annual plan covering 12 months — not an error. Monthly plans bill every month on the date you first subscribed.

Changing or canceling your plan

You can change plans, switch between monthly and annual, or cancel from your dashboard settings at any time. When you cancel, your subscription remains active until the end of the period you've already paid for, and you won't be billed again.

Switching to a different plan

If you accidentally subscribed to a different plan than you intended, contact support and we'll get you switched to the right one.