One Amy, four depths.
Same Amy, same warmth. The tier sets how deep she goes and how much time you have with her.
Jade
Forever
Start freeNo 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.
Opal
or $59.99/yr (save 38%)
Start free trialPremium starts after trial
Everything in Jade, plus
- 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
or $159.99/yr (save 33%)
Subscribe to Pro+Cancel anytime
Everything in Opal, plus
- 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)
Flint
Max
Cancel anytime
Get Flint MaxEverything in Pro+, plus
- 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.
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.
What you get at each level.
| Feature | Jade Free | Opal Premium | Flint Pro+ | Flint Max |
|---|---|---|---|---|
| Core (free forever) | ||||
| Opportunity-cost calculator | ||||
| 48-hour cooldown vault | ||||
| Resist / Already-purchased logging | ||||
| Lifetime savings tracking | ||||
| Active days | ||||
| Amy, your money coach | ||||
| Amy chat turns per day* | 5 | Unlimited | Unlimited | Unlimited · no cap |
| Depth of analysis | Standard | Deeper | Deepest | Deepest |
| Answer length | Short | Longer | Longest | Longest |
| Our deepest reasoning, ready when it counts | ||||
| Long-term Amy memory across chats | ||||
| Amy cites behavioral research | ||||
| Response priority at peak times | Standard | Standard | Priority | Priority |
| Customer support | Standard | Standard | Standard | Standard |
| Power tools. Flint Pro+ and up | ||||
| Amy logs purchases from chat | On the way | On the way | ||
| Amy adds / imports recurring subscriptions | On the way | On the way | ||
| Amy edits your goals on your behalf | On the way | On the way | ||
| Proactive nudges (payday, weekends, spikes) | On the way | On the way | ||
| Imports and audits. Flint Pro+ and up | ||||
| Receipt photo OCR | On the way | On the way | ||
| Bank-statement import | On the way | On the way | ||
| Subscription and recurring import | On the way | On the way | ||
| CSV / transaction import | On the way | On the way | ||
| Monthly CostMe Audit (Amy reviews everything) | On the way | On the way | ||
| Flint Max only | ||||
| Household seats | 1 | 1 | 1 | 4 · on the way |
| Behavioral fingerprint | ||||
| Anniversary report card | On the way | |||
| On the roadmap | ||||
| Lock Screen + Home Screen widgets | On the way | On the way | On the way | |
| Apple Watch companion | On the way | On the way | On the way | |
| Year-in-Resists shareable card | On the way | On the way | ||
| Milestone share cards | On the way | On the way | ||
| Custom Amy voice (TTS) | On the way | On the way | ||
| Couples mode (shared savings + partner pings) | On the way | On the way | ||
| Behavioral challenge packs | On the way | On the way | ||
| Anonymous cohort comparison | On the way | On the way | ||
Core (free forever)
Opportunity-cost calculator
48-hour cooldown vault
Resist / Already-purchased logging
Lifetime savings tracking
Active days
Amy, your money coach
Amy chat turns per day*
Depth of analysis
Answer length
Our deepest reasoning, ready when it counts
Long-term Amy memory across chats
Amy cites behavioral research
Response priority at peak times
Customer support
Power tools. Flint Pro+ and up
Amy logs purchases from chat
Amy adds / imports recurring subscriptions
Amy edits your goals on your behalf
Proactive nudges (payday, weekends, spikes)
Imports and audits. Flint Pro+ and up
Receipt photo OCR
Bank-statement import
Subscription and recurring import
CSV / transaction import
Monthly CostMe Audit (Amy reviews everything)
Flint Max only
Household seats
Behavioral fingerprint
Anniversary report card
On the roadmap
Lock Screen + Home Screen widgets
Apple Watch companion
Year-in-Resists shareable card
Milestone share cards
Custom Amy voice (TTS)
Couples mode (shared savings + partner pings)
Behavioral challenge packs
Anonymous cohort comparison
Beta features. Open to everyone
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.
Free to start · works on any device · 30 seconds to start