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Pricing

One avoided late fee costs more than a year of OneSpend. That is the whole argument, and it is why there are no ads, no lending offers and nobody buying your spending data — you pay us, so nobody else does.

Every plan starts with 45 days of Plus, free, with no card required. Long enough to cover a full statement cycle, because the point of OneSpend is what happens when the bill arrives and the money is already there.

Free

The honest ledger. It shows you the gap; you close it by hand.

₹0

Free forever. No card, no expiry.

  • One card, tracked automatically from SMS, email and forwarding
  • The current month of transactions
  • Your spend against what you have set aside, in one number
  • Reserve money by hand, five times a month
  • A daily digest instead of live alerts
  • Categories learned from your own history
  • Full CSV export of everything, always
  • Every message we could not read, shown to you rather than dropped
Start free
Most people choose this

Plus

Every card, and one tap between spending money and setting it aside.

₹1,499 / year

₹124.92 a month, billed yearly · or ₹199 monthly

  • Unlimited cards and vault accounts, mapped card by card
  • Complete history, however far back we have read
  • One-tap reserve from the alert itself
  • Round-up and batch reserving, and funding-gap warnings
  • Live alerts, home-screen widget and Live Activity
  • Statement import, to audit what the pipeline may have missed
  • Several Gmail accounts, due-date and paydown planner
  • 20 assistant questions a month
Start 45 days free

Pro

The assistant, the forecast, and the long view.

₹2,999 / year

₹249.92 a month, billed yearly · or ₹399 monthly

  • Everything in Plus
  • 500 assistant questions a month, answered from a query over your own data
  • Month-end bill forecast and cashflow projection
  • Automatic categorisation and recurring-payment detection
  • Full historical statement backfill and multi-year analysis
  • A second household member on the same cards
  • API access and webhooks
  • Priority parsing and email support within 24 hours
Start 45 days free

What the free plan does

The free plan is a complete, honest picture of one card for the current month. It tells you the truth about your money and leaves the work to you: you can see what you have spent and what you have set aside, and you move the money yourself, up to five times a month, in your own UPI app.

Transactions older than the current month are kept, not deleted. A free plan shows you a one-month window; it does not throw the rest away. Subscribe at any point in the future and the full history is there, unchanged. And a CSV export of everything we hold about you — not just the visible month — is available on every plan, including the free one, for as long as your account exists.

The 45-day trial, and why it is that long

Every new account gets 45 days of Plus. We do not ask for a card, a UPI mandate or any payment detail to start it, and if you do nothing at the end of it, the account simply becomes a free account. Nothing is charged and nothing is deleted.

It is 45 days rather than seven because OneSpend cannot prove itself in a week. The product exists for the moment your card bill arrives and the money to pay it is already sitting in your vault account — and that moment is a month or two away when you sign up.

Paying through the app stores

Subscribing on this website is the cheapest way to pay, because Apple and Google take a commission on anything bought inside their apps. We do not absorb it and we do not hide it — the in-app prices are simply higher by roughly that amount:

PlanOn this websiteIn the iOS or Android app
Plus₹1,499 / year₹1,799 / year
Pro₹2,999 / year₹3,499 / year

A subscription bought here works in the apps, and a subscription bought in an app works here. If you subscribed through Apple or Google, cancellation and refunds are handled by them under their own rules, not by us — see the Cancellation and Refunds policy.

Taxes

All prices shown are the total you pay. We are not currently registered for GST, so no GST is charged or collected. If that changes, the prices on this page will be updated to remain inclusive, and existing subscribers will be told before their next renewal.

Changing your mind

You can cancel at any time from your account settings, and a cancellation takes effect at the end of the period you have already paid for. Refunds, including the seven-day window on a first subscription, are set out in full in the Cancellation and Refunds policy. If something is wrong, tell us — we would rather fix it than keep the money.