Know where your money goes. Nobody else does.

Yes. The free tier covers what most people need: expenses, income, budgets, subscriptions, investments, analytics, 2 statement checks a month, and full data export, with no credit card required. Pro (CA$69.99 a year) lifts the limits: unlimited budgets, subscriptions, investment accounts, categories and statement checks, your full history beyond the last 12 months, and a shared household of your own for up to 10 people.

From Pro, and nothing else. Advertising and selling your transaction history are the two things Inspendia exists to avoid, so neither is available to us, which leaves the people who find Inspendia genuinely valuable paying a small amount to keep it running and improving for everyone. Free is not a trial or a funnel; it is the product. Pro is what lets it stay that way, and it means the only people Inspendia has to answer to are the people using it.

No. Inspendia never asks for your online banking credentials and has no bank integration. You enter transactions yourself, or let recurring subscriptions post them automatically. To find spending you may have missed, download a statement from your bank as a CSV or PDF and check it against your expenses: Inspendia lists what looks missing, and adds only what you confirm. Money coming in is not checked. A PDF is read on your device, and only the transactions found in it are sent to us to compare; a CSV is sent whole. Either way it is read in memory and discarded, and neither is stored. Nothing can reach your bank because nothing is connected to it.

Most free budget apps monetise your transaction history through advertising, affiliate offers, or by selling anonymised spending data. Inspendia has no analytics vendors, no ad networks and no data brokers. The only outside services involved at all are the one that delivers our email and the one that runs our servers, both named in the privacy policy.

Everything travels over an encrypted connection. Your password is stored only as a hash that cannot be reversed, your two-factor secret is encrypted, and backups are encrypted too. Two-factor authentication guards your account, sessions are short-lived, and a stolen one is spotted and shut down. One thing we will not claim: the database itself is not encrypted on disk, so we say so here rather than implying otherwise. Security is designed in from the start and tested continuously, not bolted on afterwards.

Any time, and yes. Export everything you have entered as JSON, or your transactions as CSV, whenever you like, on any plan. If you want out entirely, deleting your account signs you out everywhere and puts your data beyond reach immediately, then permanently erases it seven days later. It is not deactivated-and-kept: after those seven days it is gone from Inspendia, and you cannot restore it. The seven days exist for one reason: so that a misclick, or someone who has got into your account, cannot destroy years of your financial history in a single irreversible moment. We email you a link to cancel, and if you use it your account comes back exactly as it was. Two honest caveats: entries you added to a shared household stay with that household, no longer linked to you, because the other members’ balances are calculated from them; and our encrypted backups, kept so that we can recover from a disaster, hold a copy until they expire, the last of them 12 months later.

You can add as many payment methods as you like and see spending broken down per card. What you enter in your own records is in Canadian dollars. A shared household can use a different currency, chosen when it is created. If you copy a household expense or income to your own records, the copy keeps the household’s currency, and Inspendia does not convert it: it counts toward your totals at face value. Amounts are stored in exact integer minor units, so totals never drift the way floating-point maths does.