Neptune pricing — pick the plan that fits how you actually budget

Start free. Upgrade whenever you need the heavier features. Cancel any time — Neptune isn't in the lock-in business.

Base — $7.99 / month (billed annually)

Everything one person needs to budget calmly.

  • Connect up to 5 institutions
  • Live transaction sync via Plaid
  • AI-categorized transactions
  • Custom categories & groups
  • Budget pie + cashflow visuals
  • Be in up to 2 households
  • Community + in-app support

Base+ — 4.99 / month (billed annually)

For households tracking shared money and bigger goals.

  • Unlimited institutions
  • Up to 5 household members
  • Be in up to 5 households at once
  • Multi-account dashboards
  • Custom AI insights & summaries
  • Goal projections + auto-rules
  • Priority support

Which plan should I pick?

Start with what you need today: sync transactions, categorize spending, then decide whether household controls, multi-account analysis, and richer AI summaries are worth Base+.

Base is enough when

You budget solo, connect a few banks or cards, and mainly need synced transactions, categories, and cashflow.

Base+ helps when

You manage shared household money, compare several accounts, rely on summaries, or want Neptune to monitor goal pace.

Upgrade later if

You start with Base and hit the limits: more institutions, multi-account dashboard views, household members, or deeper AI help.

Base+ feature explanations

  • Multi-account dashboards separate each account while keeping a combined view.
  • Custom AI insights summarize spending changes, subscriptions, and unusual activity.
  • Goal projections show whether the current pace reaches the target date.

Questions, answered

Can I switch plans later?

Anytime. Upgrades prorate immediately; downgrades take effect at the next billing cycle.

What happens if I cancel?

You keep access until the end of the period you already paid for. Your data stays intact in case you come back.

How is annual cheaper than monthly?

Monthly billing carries about a 7% surcharge to cover payment-processing churn. Annual locks in the lower rate.

Do you offer refunds?

Within 14 days of your first paid charge, yes. After that, your subscription continues until the end of the period.

Back
Simple pricing, no surprises
Pick the plan that fits how you actually budget.
Start free. Upgrade whenever you need the heavier features. Cancel any time — Neptune isn't in the lock-in business.
90-second walkthrough
Which plan should I pick?
Start with what you need today: sync transactions, categorize spending, then decide whether household controls, multi-account analysis, and richer AI summaries are worth Base+.
1
Connect accounts
2
Review categories
3
Watch summaries
4
Upgrade when limits appear
Base is enough when
You budget solo, connect a few banks or cards, and mainly need synced transactions, categories, and cashflow.
Base+ helps when
You manage shared household money, compare several accounts, rely on summaries, or want Neptune to monitor goal pace.
Upgrade later if
You start with Base and hit the limits: more institutions, multi-account dashboard views, household members, or deeper AI help.
Base+ feature explanations
Multi-account dashboards separate each account while keeping a combined view.
Custom AI insights summarize spending changes, subscriptions, and unusual activity.
Goal projections show whether the current pace reaches the target date.
Base
Everything one person needs to budget calmly.
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Just $7.99/mo · billed yearly
Save 7%
Connect up to 5 institutions
Live transaction sync via Plaid
AI-categorized transactions
Custom categories & groups
Budget pie + cashflow visuals
Be in up to 2 households
Community + in-app support
Base+
Most popular
For households tracking shared money + bigger goals.
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Just $14.99/mo · billed yearly
Save 7%
Unlimited institutions
Up to 5 household members
Be in up to 5 households at once
Multi-account dashboards
Custom AI insights & summaries
Goal projections + auto-rules
Priority support
Plan comparison
Base
Base+
Connected institutions
Up to 5
Unlimited
Household members
1
Up to 5
Households per account
Up to 2
Up to 5
AI categorization
Standard
Custom rules
Goal projections
Manual
Auto-tuning
Support
Community
Priority
Questions, answered.
Can I switch plans later?
Anytime. Upgrades prorate immediately; downgrades take effect at the next billing cycle.
What happens if I cancel?
You keep access until the end of the period you already paid for. Your data stays intact in case you come back.
How is annual cheaper than monthly?
Monthly billing carries about a 7% surcharge to cover payment-processing churn. Annual locks in the lower rate.
Do you offer refunds?
Within 14 days of your first paid charge, yes. After that, your subscription continues until the end of the period.
Still got questions?
Contact support →