Pay once a year or never. No auto-renewal. Manual renewal only — if payment isn't made, your data is removed 90 days after expiry (we email you on day 60). Prices below are excluding GST.
| Feature | Free | Premium ₹499/yr |
Family ₹899/yr |
|---|---|---|---|
| Core tracking | |||
| Transactions / month | 500 | Unlimited | Unlimited |
| Active goals | 5 | Unlimited | Unlimited |
| Monthly budgets | 3 | Unlimited | Unlimited |
| Accounts / wallets | 4 | Unlimited | Unlimited |
| Categories | 25 default | Custom | Custom |
| Recurring payments | — | ✓ | ✓ |
| Intelligence | |||
| Health Score | Basic | Full | Family avg. |
| Auto-categorisation | ✓ | ✓ | ✓ |
| Needs vs Wants analysis | Last 30 days | All-time | All-time |
| Suggested allocation ("100 − age") | — | ✓ | ✓ |
| Net-worth history chart | 90 days | Lifetime | Lifetime |
| Imports / exports | |||
| CSV export | ✓ | ✓ | ✓ |
| JSON backup (encrypted) | ✓ | ✓ | ✓ |
| Excel (XLSX) export | — | ✓ | ✓ |
| PDF report export | — | ✓ | ✓ |
| Broker CSV import (Zerodha/Groww/+6) | — | ✓ | ✓ |
| Bulk Excel import template | — | ✓ | ✓ |
| Privacy & security | |||
| AES-256-GCM end-to-end encryption | ✓ | ✓ | ✓ |
| App passcode (4–6 digit) | ✓ | ✓ | ✓ |
| Single-use recovery codes | 10 | 20 | 20 × 5 |
| Read-only share with CA | — | 1 link | 5 links |
| Biometric lock (PWA) | ✓ | ✓ | ✓ |
| Family | |||
| Family member vaults | 1 | 1 | Up to 5 |
| Combined net-worth view | — | — | ✓ |
| Shared goals | — | — | ✓ |
| Family tax optimiser (HRA, HUF, 80C pool) | — | — | ✓ |
| Support | |||
| Email support (incl. weekends & holidays) | 24–48 hrs | 24–48 hrs | 24–48 hrs |
| Feature request voting | ✓ | 2× weight | 5× weight |
No. We don't run trials. The Free plan is genuinely free forever — pick that to evaluate Moneytrak with real data. When you're ready, upgrade to Premium or Family for one calendar year.
No, GST is not included. The displayed prices (₹499 Premium, ₹899 Family) are exclusive of GST. Applicable GST is added at checkout based on your billing state, and a GST invoice is emailed to you with every successful payment.
No, we never auto-renew. On day 60 after expiry we'll email you a reminder. If you choose not to renew, your encrypted data is permanently deleted on day 90 after expiry. There's no second reminder — please save the date if you plan to download an export before then.
You get an email reminder on day 60 after expiry. If payment isn't received by day 90, your account and all encrypted vault data is permanently deleted. We do this so we never auto-bill you and so dormant accounts don't pay storage costs forever. You can always re-sign-up later, but old data won't be recoverable.
Within 30 days of payment, write to support@moneytrak.in — no reason required. Refund hits the source card/UPI in 5–7 business days. Full policy: refund.html.
All Indian methods via Razorpay: UPI (PhonePe, GPay, Paytm, BHIM, any UPI app), all debit/credit cards (Visa, Mastercard, Rupay, Amex), net banking from 50+ banks, and wallets. International cards also work for NRIs.
Yes. Upgrade anytime — we prorate the unused portion of your current plan. Downgrade at any renewal date. All your data migrates automatically.
Nothing is deleted. Your transactions, goals, and history are all preserved. Premium-only features (Recurring, PDF export, Health Score, broker imports) become read-only until you re-upgrade. You can still manually add up to 500 transactions/month on Free.
No. Moneytrak is a personal finance tracking tool, not a SEBI-registered investment adviser, broker, or distributor. We do not provide investment advice. All calculators and tools are for your personal planning only.
★ All prices are in Indian Rupees (INR), excluding GST. Applicable GST is added at checkout.
★ Payments are processed by Razorpay Software Private Limited, a PCI-DSS compliant payment gateway. We never see your card details.
★ Your subscription activates instantly on successful payment. A receipt is emailed to you from support@moneytrak.in.
★ Full Terms · Privacy · Refund Policy · Fair Usage.