The complete financial toolkit. Everything unlocked.
Everything in Free, plus
✓ AI financial coach AI
✓ Loan amortization calculator
✓ Financial health score
✓ Monthly report card
✓ Debt payoff planner (Snowball + Avalanche)
✓ Net worth tracker
✓ Savings buckets (unlimited)
✓ Unlimited bill reminders
✓ 50/30/20 rule analyzer
✓ Priority email support
Annual Pro
$4.99
per month, billed $59.99/year
Best value. Same as Pro, at 37% off. Billed once per year.
Everything in Pro
✓ All Pro features included
✓ Save $21.89 vs monthly
✓ 7-day refund guarantee
✓ Priority email support
Family
$12.99
per month
Pro features for up to 5 family members under one account.
Everything in Pro, plus
✓ Up to 5 user profiles
✓ Shared household budget view
✓ Individual + joint tracking
✓ Family net worth dashboard
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7-day money-back guarantee
Try Pro completely risk-free. If you're not satisfied within 7 days of your first payment, email us at [email protected] and we'll refund you in full — no questions asked.
Full feature comparison
Feature
Free
Pro
Family
Budget dashboard
✓
✓
✓
Expense tracking
✓
✓
✓
Savings goals
✓
✓
✓
Daily financial tips
✓
✓
✓
Bill reminders
3 bills
Unlimited
Unlimited
AI financial coach
✕
✓
✓
Loan amortization calculator
✕
✓
✓
Financial health score
✕
✓
✓
Monthly report card
✕
✓
✓
Debt payoff planner (Snowball + Avalanche)
✕
✓
✓
Net worth tracker
✕
✓
✓
Savings buckets
3 buckets
Unlimited
Unlimited
50/30/20 rule analyzer
✕
✓
✓
Family profiles
✕
✕
Up to 5
Support
Email
Priority email
Priority email
Frequently asked questions
Do I need a credit card to start? +
No. The Free plan requires no payment information at all. If you start a Pro trial, we will ask for your card at the end of the trial period — not at sign-up.
Can I cancel anytime? +
Yes. You can cancel your Pro subscription at any time from your account settings. You will retain Pro access until the end of your current billing period and will not be charged again.
Is my financial data safe? +
Yes. All data is transmitted over encrypted connections (TLS/SSL). We do not sell your data, do not share it with advertisers, and never store your full payment card number. Your financial information is used only to provide the Service to you.
What is the AI Coach and how does it work? +
The AI Coach is powered by Anthropic's Claude AI. It reads your income, expenses, debts, and goals from MyDebtFlip and answers your personal finance questions with advice specific to your real numbers — not generic tips. It is available exclusively on the Pro plan.
What is your refund policy? +
We offer a full refund within 7 days of your first payment, no questions asked. After 7 days, payments are non-refundable but your subscription will remain active until the period ends. Email [email protected] to request a refund.
Does MyDebtFlip connect to my bank? +
Currently, MyDebtFlip uses manual data entry — you enter your income and expenses yourself. This keeps your banking credentials completely private and secure. Automatic bank syncing is on our roadmap for a future update.
Is MyDebtFlip financial advice? +
No. MyDebtFlip and the AI Coach provide educational financial information only — not professional financial, investment, tax, or legal advice. Always consult a licensed professional for major financial decisions.
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This is a Pro feature
Upgrade to MyDebtFlip Pro to unlock your AI Coach, loan calculator, health score, debt planner, and much more.
AI financial coach — advice based on your real numbers
Loan amortization calculator with full schedule
Financial health score (0–100) + monthly report card