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One Amy, four depths.

Same Amy, same warmth. The tier sets how deep she goes and how much time you have with her.

Jade

Free

Forever

Start free

No credit card

  • The full opportunity-cost calculator
  • 48-hour vault cooldowns on impulse purchases
  • Active-day counter
  • Amy chat, 5 thoughtful turns a day
  • Lifetime savings tracking

Referral rewards on the way.

Most chosen

Opal

$7.99/mo

or $59.99/yr (save 38%)

Start free trial

Premium starts after trial

  • Amy with unlimited daily chat*
  • Deeper, more detailed analysis when a decision needs it
  • Longer answers, more of Amy's attention on the decisions that matter

Referral rewards on the way.

Flint

$19.99/mo

or $159.99/yr (save 33%)

Subscribe to Pro+

Cancel anytime

  • Amy at her sharpest. Her deepest, most candid read when your decision warrants it
  • The longest, most detailed answers CostMe gives
  • Priority Amy response, no waiting in line at peak times
  • All imports and audits. Bank statements, subscriptions, receipts (on the way)
  • Amy can edit your goals on your behalf (on the way)
  • Proactive nudges before payday, on weekends, on category spikes (on the way)
Need even more? See Flint Max

Flint

$200/mo

Cancel anytime

Get Flint Max
  • Our deepest reasoning, ready when your decision warrants it
  • Amy's deepest, longest answers
  • Unlimited chat turns. No rate limit at peak
  • Behavioral fingerprint
  • 4 family seats (on the way)
  • Anniversary report card (on the way)

Sold exclusively at costme.io. Your Max entitlement carries to native iOS and Android when they arrive. Today, use CostMe on the web or install it to your home screen.

Subscriptions auto-renew until cancelled. Manage in Settings. All prices in USD. All sales are final.

* Subject to fair-use limits.

Pro+ lifetime for one payment.

$149.99 once. Every feature Flint ships now and everything we ship later. Available exclusively at costme.io. After the first 50, Standard Lifetime takes over at $199.

. Limited to 50
Claim a founders spot

What you get at each level.

Opportunity-cost calculator

Jade
Opal
Pro+
Max

48-hour cooldown vault

Jade
Opal
Pro+
Max

Resist / Already-purchased logging

Jade
Opal
Pro+
Max

Lifetime savings tracking

Jade
Opal
Pro+
Max

Active days

Jade
Opal
Pro+
Max

Amy chat turns per day*

Jade5
OpalUnlimited
Pro+Unlimited
MaxUnlimited · no cap

Depth of analysis

JadeStandard
OpalDeeper
Pro+Deepest
MaxDeepest

Answer length

JadeShort
OpalLonger
Pro+Longest
MaxLongest

Our deepest reasoning, ready when it counts

Jade
Opal
Pro+
Max

Long-term Amy memory across chats

Jade
Opal
Pro+
Max

Amy cites behavioral research

Jade
Opal
Pro+
Max

Response priority at peak times

JadeStandard
OpalStandard
Pro+Priority
MaxPriority

Customer support

JadeStandard
OpalStandard
Pro+Standard
MaxStandard

Amy logs purchases from chat

Jade
Opal
Pro+On the way
MaxOn the way

Amy adds / imports recurring subscriptions

Jade
Opal
Pro+On the way
MaxOn the way

Amy edits your goals on your behalf

Jade
Opal
Pro+On the way
MaxOn the way

Proactive nudges (payday, weekends, spikes)

Jade
Opal
Pro+On the way
MaxOn the way

Receipt photo OCR

Jade
Opal
Pro+On the way
MaxOn the way

Bank-statement import

Jade
Opal
Pro+On the way
MaxOn the way

Subscription and recurring import

Jade
Opal
Pro+On the way
MaxOn the way

CSV / transaction import

Jade
Opal
Pro+On the way
MaxOn the way

Monthly CostMe Audit (Amy reviews everything)

Jade
Opal
Pro+On the way
MaxOn the way

Household seats

Jade1
Opal1
Pro+1
Max4 · on the way

Behavioral fingerprint

Jade
Opal
Pro+
Max

Anniversary report card

Jade
Opal
Pro+
MaxOn the way

Lock Screen + Home Screen widgets

Jade
OpalOn the way
Pro+On the way
MaxOn the way

Apple Watch companion

Jade
OpalOn the way
Pro+On the way
MaxOn the way

Year-in-Resists shareable card

Jade
Opal
Pro+On the way
MaxOn the way

Milestone share cards

Jade
Opal
Pro+On the way
MaxOn the way

Custom Amy voice (TTS)

Jade
Opal
Pro+On the way
MaxOn the way

Couples mode (shared savings + partner pings)

Jade
Opal
Pro+On the way
MaxOn the way

Behavioral challenge packs

Jade
Opal
Pro+On the way
MaxOn the way

Anonymous cohort comparison

Jade
Opal
Pro+On the way
MaxOn the way

* Subject to fair-use limits.

Opt in on any plan, free or paid, to help shape what ships next.

CostMe is on the web today. Install it to your home screen on iOS or Android, where it runs full-screen like an app. Native iOS and Android follow once the web experience meets the standard your money deserves; your plan is already there, waiting.

We don't profit from your bad decisions.

Subscriptions only. No transaction fees, no commission on cards, no fees when you slip up.

Frequently asked.

What's actually different between the tiers?

Same Amy, same warmth. Higher tiers give you more chat each day and deeper, longer analysis when your decision calls for it. All three run on the same underlying AI. You're paying for capability and time, not a different Amy.

Can I cancel any time?

Yes. Change or cancel from Settings whenever you want, with no cancellation fee. Your subscription stays active until the end of the period you've already paid for, and your decision history and saved data stay with you.

Do you offer refunds?

All CostMe purchases are final. We don't issue refunds, on any tier or billing period. That keeps prices stable for existing members and avoids a refund-driven sales cycle. You can cancel before the next renewal to avoid being charged again, and the free Jade tier lets you try CostMe before you commit. If something's broken or you can't access what you paid for, reach out through Support and we'll fix it.

What counts as a chat?

One chat turn is one back-and-forth with Amy: you send a message, she replies. On Jade that's five thoughtful turns a day; on Opal, Pro+, and above it's unlimited, subject to fair-use limits so one person can't degrade it for everyone.

Is every tier grounded in real behavioral research?

Yes. The way Amy frames spending decisions is built on decades of behavioral-economics work. That we feel a loss about twice as strongly as a gain of the same size, that the moment of tapping pay registers as a small loss, and that the pull of the smaller reward now tends to beat the bigger reward later. That grounding shapes every reply at every tier. On Flint and Flint Max, Amy can cite specific studies by author and year when they're relevant to your question.

What happens if I downgrade from Flint to Jade?

You keep all your saved history. On Jade, Amy's daily chat drops back to 5 turns and her answers run a little shorter. Upgrade again any time and you're right back to unlimited, in-depth replies.

Are the “On the way” features included if I pay now?

Yes. Anything marked On the way arrives free to the tier it's listed under. You don't pay again when it lands. Each piece arrives as it meets the bar, not on a countdown.

Start free. Grow into Amy.

Every tier starts free in your browser. No card to begin. Cancel anytime.

Start free in your browser

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