SmoothySave $1,200 your first year. Or your money back.
Pro users save an average of $143/month in the first 90 days. If we don't save you more than your subscription costs, we refund every dollar.
For getting your money in order.
- AI budget calculator
- Manual transaction entry
- 1 active goal
- Basic allocation rules (50/30/20)
- Monthly money health score
Where Smoothy actually runs your money.
- Everything in Starter
- Live bank sync (unlimited accounts)
- Unlimited goals + auto-funding
- AI Spend Guard interventions
- Smart spending caps by merchant + category
- Adaptive allocation engine
- Weekly AI insights digest
- Priority email support
For people serious about building.
- Everything in Pro
- Investing automation + DCA scheduler
- Net worth tracking across all accounts
- Tax-aware withdrawal planning
- AI scenario simulator (raise, baby, move)
- Couples & shared budgets
- Priority concierge support (24/7 chat)
- Early access to new AI features
Try Pro or Wealth for 60 days. If Smoothy doesn't save you more than it costs, we'll refund every penny — no forms, no questions, no friction.
Real users. Real savings.
"Saved $2,400 in my first 4 months. The AI caught three subscriptions I forgot about on day one."
"Spend Guard literally stopped me from a $400 impulse buy. Smoothy paid for itself in one weekend."
"Wealth tier feels like having a CFO. The DCA scheduler runs my investing on autopilot now."
See exactly what you get.
No fine print. Every feature, every limit, every plan — side by side.
| Feature | Starter Free | Pro $9/mo | Wealth $19/mo |
|---|---|---|---|
Core budgeting | |||
| AI budget calculator | |||
| Money health score | Monthly | Weekly | Real-time |
| Active goals | 1 | Unlimited | Unlimited |
| Transactions / month | 50 | Unlimited | Unlimited |
| Manual transaction entry | |||
Bank sync & automation | |||
| Live bank connections | Unlimited | Unlimited | |
| Auto-categorization | |||
| Auto-funding for goals | |||
| Adaptive allocation engine | 50/30/20 only | ||
| Recurring bill detection | |||
AI interventions | |||
| Spend Guard alerts | |||
| Smart caps (merchant + category) | |||
| Weekly AI insights digest | |||
| Scenario simulator (raise, baby, move) | |||
| Pre-purchase coaching | Basic | Advanced | |
Wealth building | |||
| Net worth tracking | |||
| Investing automation + DCA | |||
| Tax-aware withdrawal planning | |||
| Couples & shared budgets | |||
| Portfolio rebalancing alerts | |||
Security & support | |||
| 256-bit encryption | |||
| Read-only bank access | |||
| Data export (CSV) | |||
| Support | Community | Priority email | 24/7 concierge chat |
| Early access to new AI features | |||
Pricing questions, answered.
Can I really use Smoothy for free?+
Yes. Starter is free forever — you get the AI budget calculator, one goal, and basic allocation rules. Upgrade only when you want bank sync and Smoothy's interventions.
What's in the 14-day Pro trial?+
Full access to Pro: unlimited bank sync, unlimited goals, Spend Guard, smart caps, weekly AI digests. No card required to start. We'll remind you 3 days before it ends.
Can I switch plans or cancel?+
Anytime. Upgrade, downgrade, or cancel from settings. Annual plans get a prorated refund within the first 30 days, no questions asked.
Is my financial data safe?+
We use 256-bit encryption, read-only bank connections, and never sell or share your data. Your transactions are yours alone.
Do you offer team / family plans?+
Wealth includes shared budgets for couples. For larger families or teams, email us — we'll set you up.
Stop leaking money. Start today.
Pro users save an average of $143/mo. That's $1,716 a year for the price of one streaming service.