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
- All-time savings tracking
Opal
or $59.99/yr (save 38%)
Start free trialPremium starts after trial
Everything in Jade, plus
- Amy with high daily limits*
- Deeper, more detailed analysis when a decision needs it
- Longer answers, more of Amy's attention on the decisions that matter
Flint
or $199.99/yr (save 17%)
Subscribe to FlintCancel 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
Flint
Max
Cancel anytime
Get Flint MaxEverything in Flint, plus
- Our deepest reasoning, ready when your decision warrants it
- Amy's deepest, longest answers
- High daily limits. No rate limit at peak
- Behavioral fingerprint
Available exclusively on costme.io — your Max plan works on web, Android, and iOS.
Subscriptions auto-renew until cancelled. Manage in Settings. All prices in USD. All sales are final.
What you get at each level.
| Feature | Jade Free | Opal Premium | Flint | Flint Max |
|---|---|---|---|---|
| Core (free forever) | ||||
| Opportunity-cost calculator | ||||
| 48-hour cooldown vault | ||||
| Resist / Already-purchased logging | ||||
| All-time savings tracking | ||||
| Active days | ||||
| Amy, your money coach | ||||
| Amy chat turns per day* | 5 | High daily limits | High daily limits | High daily limits |
| Depth of analysis | Standard | Deeper | Deepest | Deepest |
| Answer length | Short | Longer | Longest | Longest |
| Our deepest reasoning, ready when it counts | ||||
| Amy remembers you across conversations | ||||
| Amy cites behavioral research | ||||
| Response priority at peak times | Standard | Standard | Priority | Priority |
| Customer support | Standard | Standard | Standard | Standard |
| Flint Max only | ||||
| Behavioral fingerprint | ||||
Core (free forever)
Opportunity-cost calculator
48-hour cooldown vault
Resist / Already-purchased logging
All-time 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
Amy remembers you across conversations
Amy cites behavioral research
Response priority at peak times
Customer support
Flint Max only
Behavioral fingerprint
Flint: Receipt scanning and bank imports land here first, included when they ship. See the roadmap →
Flint Max: Household seats and the anniversary report card are on the way. See the roadmap →
CostMe is available on the web and Android via Google Play. You can also install it to your home screen on iOS where it runs full-screen like an app. Native iOS is in review; your plan and data sync across all your devices.
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 four 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. Cancel before your next renewal to avoid being charged again; your subscription stays active until the end of the period you've paid for. The free Jade tier lets you try CostMe before you commit. If something's broken or you can't access what you paid for, contact 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; Opal, Flint, and above get high daily limits, 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 high daily limits and in-depth replies.
What's coming next?
We publish the roadmap openly at costme.io/roadmap. Anything listed under your tier arrives included, no price change.
Start free. Grow into Amy.
Every tier starts free in your browser. No card to begin. Cancel anytime.
Free on web & Android · works on any device · 30 seconds to start