Do I need a credit card to start?

No. Every account starts with a 14-day free trial on the Growth plan — full access, no credit card required. You only enter payment details if you decide to keep using Moninsight after the trial.

What happens when my free trial ends?

We'll notify you before the 14 days are up so you can pick the plan that fits your business. Nothing is charged automatically, and your data stays exactly where it is while you decide.

Can I change or cancel my plan later?

Yes. You can upgrade, downgrade, or cancel at any time from your billing settings. There are no contracts and no cancellation fees — changes take effect on your next billing cycle.

How much does annual billing save me?

Annual billing saves you 20%. That's $60 a year on Starter ($240 billed annually), $94 on Essential ($374), and $168 on Growth ($660) compared with paying month to month.

Which plan is right for me?

Starter suits freelancers & solopreneurs who want clean books and one bank connection. Essential suits growing small businesses that need unlimited invoicing, three bank connections, and the full quarterly tax tools. Growth suits established businesses that want unlimited connections, the deduction optimizer, and year-end tax planning.

Is the AI chat assistant included on every plan?

Yes. AI chat is available on all three plans — the difference is volume. Starter includes 30 messages per month, Essential 100, and Growth 300, along with file uploads and business insights.

Is my financial data secure?

Absolutely. We use bank-level 256-bit encryption and follow strict security standards. Your data is encrypted in transit and at rest, and we never sell your information to third parties.

Simple, transparent pricing

AI bookkeeping pricing for solopreneurs & freelancers

Start free, upgrade when you're ready. Every plan starts with a 14-day free trial on Growth — full access, no credit card required.

MonthlyAnnualSave 20%

Starter

Freelancers & solopreneurs

$20/mo

Billed $240/yr · Save $60

1 bank or card connection
Every transaction categorized for you — fix one, it learns
25 receipts a month, read and matched automatically
25 invoices and quotes a month, 10 customers and services
Profit & Loss, Balance Sheet and Cash Flow
Tax estimates from your real numbers, not last year's
30 AI chat messages a month
Weekly review digest, so nothing sits unreviewed
Email support

Essential

Growing small businesses

$31/mo

Billed $374/yr · Save $94

Everything in Starter, plus:
3 bank connections, synced automatically every day
Unlimited invoices, quotes, customers and receipts
Payment reminders for invoices that go past due
Quarterly tax tracker — what you owe and what you've paid
Recategorize hundreds of transactions in one pass
100 AI chat messages a month, with recommendations
Gmail and Google Drive connected
Priority email support

Growth

Established businesses

$55/mo

Billed $660/yr · Save $168

Everything in Essential, plus:
Unlimited bank connections
Deduction optimizer — finds what you qualify for but haven't claimed
Year-end tax planning
Audit alerts and risk flags
Payment reminders that send on their own schedule
300 AI chat messages a month
Stripe, Notion and Toggl connected
Full audit trail · Priority + live chat support

All plans include a 14-day free trial on Growth. No credit card required. Cancel or change your plan anytime.

Included in every plan

14-day free trial on Growth

Full access from day one — you try the top tier, not a stripped-down demo.

No credit card to start

Cancel or switch anytime

Change plans or leave whenever you want. No contracts, no exit fees.

Bank-level encryption

256-bit encryption in transit and at rest. We never sell your data.

Compare every feature

The full breakdown of what's in each plan — no asterisks, no surprises after you sign up.

Feature comparison across the Starter, Essential and Growth plans
Feature	StarterFreelancers & solopreneurs	Most popular EssentialGrowing small businesses	GrowthEstablished businesses
Bookkeeping
Learns your correctionsFix a category once and Moninsight applies it from then on — it adapts to your business, not the other way round	Included	Included	Included
AI expense categorizationEvery transaction tagged with a tax category and a confidence score	Included	Included	Included
Receipt captureAdd receipts from your phone or your desktop	Included	Included	Included
Receipt OCR & auto-matchingMerchant, amount and date extracted, then matched to the transaction	Included	Included	Included
Batch receipt upload	Not included	Included	Included
Bulk actionsRecategorize or edit many transactions in one pass	Not included	Included	Included
Weekly review workflow + email digest	Included	Included	Included
Audit trail	Not included	Not included	Included
Banking
Bank & card connections	1	3	Unlimited
Sync schedule	Manual	Manual + daily auto-sync	Manual + daily auto-sync
Reports & accounting
Profit & Loss	Included	Included	Included
Balance Sheet	Included	Included	Included
Cash Flow	Included	Included	Included
Taxes
Tax estimate calculator	Included	Included	Included
Tax liability breakdown	Not included	Included	Included
Quarterly payment tracker	Not included	Included	Included
Deduction optimizerSurfaces deductions you qualify for but haven't claimed	Not included	Not included	Included
Year-end tax planning	Not included	Not included	Included
Audit alerts & risk flags	Not included	Not included	Included
Invoicing & sales
Invoicing	Included	Included	Included
Quotes	Included	Included	Included
Customer records	Included	Included	Included
Service catalog	Included	Included	Included
Convert a quote into an invoice	Not included	Included	Included
Bulk invoice actions	Not included	Included	Included
Payment reminders	Not included	Included	Included
Automated reminder schedulesReminders go out on their own, without you sending them	Not included	Not included	Included
AI assistant
AI ChatMessages per month — ask about your books in plain English	30	100	300
AI recommendations	Not included	Included	Included
Integrations
Gmail & Google Drive	Not included	Included	Included
Stripe, Notion & Toggl	Not included	Not included	Included
Business & support
Support	Email	Priority email	Priority + live chat

Growing small businesses · $39/mo billed monthly

Bookkeeping

Learns your correctionsFix a category once and Moninsight applies it from then on — it adapts to your business, not the other way round: Included
AI expense categorizationEvery transaction tagged with a tax category and a confidence score: Included
Receipt captureAdd receipts from your phone or your desktop: Included
Receipt OCR & auto-matchingMerchant, amount and date extracted, then matched to the transaction: Included
Batch receipt upload: Included
Bulk actionsRecategorize or edit many transactions in one pass: Included
Weekly review workflow + email digest: Included
Audit trail: Not included

Banking

Bank & card connections: 3
Sync schedule: Manual + daily auto-sync

Reports & accounting

Profit & Loss: Included
Balance Sheet: Included
Cash Flow: Included

Taxes

Tax estimate calculator: Included
Tax liability breakdown: Included
Quarterly payment tracker: Included
Deduction optimizerSurfaces deductions you qualify for but haven't claimed: Not included
Year-end tax planning: Not included
Audit alerts & risk flags: Not included

Invoicing & sales

Invoicing: Included
Quotes: Included
Customer records: Included
Service catalog: Included
Convert a quote into an invoice: Included
Bulk invoice actions: Included
Payment reminders: Included
Automated reminder schedulesReminders go out on their own, without you sending them: Not included

AI assistant

AI ChatMessages per month — ask about your books in plain English: 100
AI recommendations: Included

Integrations

Gmail & Google Drive: Included
Stripe, Notion & Toggl: Not included

Business & support

Support: Priority email

Pricing questions, answered

Trials, billing, switching plans, and what happens to your data

Try Growth free for 14 days

Full access to every feature on this page. No credit card required.