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Cost Me.

Boilerplate

Cost Me is an iOS app that fights impulse spending by showing what a purchase would be worth if you invested it instead.

Type any price and Cost Me reframes it as forgone investment returns — what that money could become over 30 years at a market return rate. From there the loop is simple: vault it (resist), set a 48-hour cooldown, or log it as already purchased. Amy, the built-in AI money coach, reads your tracked spending and answers real questions about it. Cost Me is built first-party: it requires a free account so your vault, goals, and subscription tier sync across any device. No ads, no third-party analytics SDKs, and we don't sell your individual data. Three tiers — Jade (free), Opal (Premium), and Flint (Pro+) — offer the same Amy at increasing depths of memory and analysis.

Key facts

Product: Cost Me — opportunity-cost calculator and spending coach
Platform: iOS (iPhone). Web companion at costme.io. Android on the roadmap.
Category: Personal finance / behavioral spending
Pricing: Jade — free forever · Opal (Premium) $7.99/mo or $79.99/yr · Flint (Pro+) $19.99/mo or $199.99/yr
Website: costme.io
Founder: Maddison

We don't publish user-count or savings-total metrics. If you need a current figure for a story, email us and we'll confirm what we can share.

Brand assets

App screenshots below are cleared for editorial use. Click any image to open the full-resolution PNG, or use the download link.