HiHiFi
Get started
Pricing

Free for the basics. Pay for the long horizon.

Manual logging, sinking funds, budgets, and net worth are free forever. Pay when HiFi starts pulling its weight on FI planning, bank sync, or family use. No ads. Cancel anytime. Data exports always free.

Free

$0forever

Everything you need to ditch your spreadsheet and start logging by chat.

Get started
  • Chat-first logging (mocked LLM during beta)
  • Sinking funds with target dates
  • Zero-based budgeting
  • Net worth tracking — manual accounts
  • Spending log with filters
  • Monthly CSV export
  • 1 user
Most popular for FIRE

Premium

$10/ month

$120 billed yearly · save $24

The FIRE community's daily driver. FIRE planning, plus everything in Free.

Start Premium

Everything in Free, plus:

  • FIRE planner (FI, Lean, Fat, Coast, Barista)
  • Persistent Good / Better / Best scenarios — and custom ones you name
  • End-of-month auto-summary in chat
  • Multi-year trends + advanced analytics
  • Unlimited sinking funds and categories
  • Priority email support

Pro

$16.67/ month

$200 billed yearly · save $40

For the heavy automator. Everything in Premium plus bank sync and tax tools.

Go Pro

Everything in Premium, plus:

  • Plaid bank sync — unlimited connected accounts
  • Auto-import transactions with categorization
  • Investment tracking with cost basis
  • Roth conversion ladder planner
  • Tax-loss harvesting flags
  • Receipt photo upload + OCR
Coming soon

Family

$25/ month

$300 billed yearly · save $60

Joint household budgeting for partners and kids. Everything Pro covers, for five.

Notify me

Everything in Pro, plus:

  • Up to 5 family members
  • Shared household budget + individual allowances
  • Joint sinking funds with permissions
  • Kids' savings tracking
  • Per-person spending visibility (or privacy if you prefer)
Early-adopter offer

Lifetime Pro for $249. One payment, every Pro feature, forever.

Limited to the first 1,000 lifetime customers. Pays for itself in 13 months vs. monthly Pro, and locks in every future feature on the Pro tier — including Plaid, advanced analytics, and tax tools — at today's price.

Family tier requires a separate upgrade. Lifetime is non-refundable but transferable once.

Lock in lifetime

872 / 1,000 spots remaining

What you get at every tier

Free is the foundation. Each paid tier inherits everything below it.

Chat-first logging
Sinking funds & budgets
Net worth (manual)
Monthly CSV export
FIRE planner
—
End-of-month chat summary
—
Plaid bank sync
—
—
Tax tools (Roth ladder, TLH)
—
—
Up to 5 family members
—
—
—

Questions

  • Can I switch tiers anytime?

    Yes — upgrade or downgrade in Settings. Prorated to the day. Downgrades keep premium features until the end of the current billing cycle.

  • Why isn't Plaid in the free tier?

    Plaid charges us per connected account. Putting it in Free would require either (a) showing ads, which we won't, or (b) running at a loss, which kills the company. Pro users pay for what Plaid actually costs us.

  • What happens to my data if I cancel?

    It stays. Your account drops to Free tier — you keep all your transactions, sinking funds, budgets, and net worth history. Premium-only features (FIRE planner) become read-only. CSV export is available on every tier so you always own your data.

  • Is the free tier actually usable, or is it a trial?

    Actually usable. Sam dogfoods the Free tier daily for the manual-logging workflow. It's not crippleware — it's the version that delivers on the chat-first promise.

  • What's the difference between monthly and annual billing?

    Annual saves you 16% — 2 months free every year. Premium $12/mo or $120/yr ($24 saved). Pro $20/mo or $200/yr ($40 saved). Family $30/mo or $300/yr ($60 saved). The toggle above the tier cards defaults to annual; flip to monthly if you want max flexibility.

  • I'm a student / FIRE writer / educator. Discount?

    Email hello@hifi.app. Real humans respond.