Build the core habit
Manual tracking and planning that remains useful without a paid subscription.
€0forever
- Guided plan before signup
- Manual transactions and categories
- Budget, goals and core reports
- Principle curriculum
- JSON and CSV export
Transparent plans
Start with a useful free system.
Upgrade only when recurring rules, deeper history and collaboration save enough time to justify the price.
Production checkout is gated. These are launch-candidate prices, not an active public offer until the merchant identity, tax settings, consumer terms, Firebase project and Stripe prices are configured and reviewed. The free local workspace is ready to test.
Run the complete money system
Advanced analysis, recurring reviews, scenarios and sync for individuals and households.
€9.99/ month
€95.90/year · 20% saving after cent rounding
- Everything in Free
- Unlimited goals, accounts and templates
- Recurring costs, rules and deeper history
- Cash-flow, debt and wealth scenarios
- Cloud sync and household controls when released
Build on a controlled finance workspace
For developers, coaches and professionals who need programmatic and multi-workspace tools.
€24.99/ month
€239.90/year · 20% saving after cent rounding
- Everything in Plus
- Scoped API tokens and OpenAPI documentation
- Webhooks, sandbox and audit log
- Multiple plans and branded reports
- Professional roles and priority support
All prices shown in EUR including neither unconfirmed tax nor hidden fees. The final checkout must show applicable VAT, exact renewal amount and date before order submission. No free-to-paid conversion occurs without an explicit order.
Compare capabilities
The free plan is a product, not a teaser.
| Capability | Free | Plus | Studio |
|---|---|---|---|
| Guided money map and manual activity | Included | Included | Included |
| Budget, keep-rate and debt recovery | Core | Advanced | Advanced |
| Goals, reports and long-term scenarios | Core set | Unlimited | Multiple workspaces |
| Cloud and collaboration | Optional account | Household controls planned | Professional roles planned |
| Sharing and embeds | Reduced fragment snapshot | Hosted controls planned | Branded reports planned |
| API, webhooks and sandbox | — | — | Required before Studio opens |
Payment routes
Stripe first. Wise only where manual transfer is appropriate.
Stripe-hosted Checkout is the primary route. It keeps card details away from Tenthwise and the backend grants access only after a verified billing event.
Server-controlled access
Browser state cannot unlock a paid entitlement; signed webhooks reconcile subscriptions, refunds and disputes.
Wise is a reviewed transfer exception
It is not presented as instant card checkout. An operator must verify settled funds and reconcile access with an audit reference.
Other-market coverage follows evidence
A licensed local provider or merchant-of-record can be added only after entity, tax, refund, payout and country coverage review.
Before any payment
- Full monthly or annual total
- Applicable tax and billing currency
- Renewal date and recurring nature
- Trial end, if a real trial is offered
- Immediate cancellation route
- Statutory withdrawal rights
A useful no-card free plan is the current risk reversal. No guaranteed wealth, savings percentage, debt payoff date or investment return is offered.
Questions before buying
Plain answers, including the limits.
Can I use Tenthwise without connecting a bank?
Yes. Manual mode is the product’s foundation. Future bank sync remains optional and, in the EU, will use a licensed account-information provider rather than asking for bank credentials.
Can I cancel online?
The production billing portal must offer a direct online cancellation route. Access continues according to the disclosed billing terms, and export remains available. The paid service is not open until that flow and the legally required withdrawal route are verified.
Is there a money-back guarantee?
No commercial guarantee is active in this preview. A possible 30-day satisfaction policy may later supplement—not replace—mandatory consumer rights, with scope and process stated before purchase.
Are the projections investment advice?
No. They are editable educational scenarios with constant-rate assumptions. Returns can be negative and tax, fees, inflation and personal suitability require separate review.