Simple, transparent pricing
Start free forever. Upgrade when you want automatic bank updates or extra smart tools.
- Upload bank file (CSV)
- Find subscriptions
- Cancel guides
- Bill tracking
- Spending insights
- HomeReady tracker
- Everything in Free
- Automatic updates (2 banks)
- Weekly money summary
- 2-year history
- Switch suggestions
- Email support
- Everything in Plus
- Automatic updates (5 banks)
- More smart tools
- Net worth tracking
- Savings goals
- Priority support
- Everything in Premium
- Unlimited banks
- Ask about your spending
- Priority support
- 6-hour sync
- All future features
Compare all features
Everything you need to know about each plan
Core Features
Bank Connections
Smart Tools
Advanced Tools
Pricing FAQ
Can I really use Loots for free forever?
Yes. The Free plan lets you upload a bank file from any NZ bank and use all the main features, including finding subscriptions, checking bills, and planning toward your savings goals. No time limits and no credit card needed.
What's the difference between Plus and Premium?
Plus ($7.99/mo) adds automatic bank updates for up to 2 banks and a weekly money summary. Premium ($12.99/mo) adds more smart tools, plus net worth tracking and savings goals.
Can I change plans or cancel anytime?
Absolutely. Upgrade or downgrade at any time. Cancel whenever you want — you'll keep access until the end of your billing period. No cancellation fees, no questions asked.
Is there a free trial for paid plans?
No. Paid plans start billing straight away because automatic bank updates have an ongoing cost. You can start free with a bank file and upgrade later if you want those automatic updates.
What happens to my data if I downgrade?
Your data stays safe. If you move from a paid plan back to Free, you keep your old data, but new transactions stop updating automatically until you upload another bank file. You can turn automatic updates back on anytime by upgrading again.
Ready to start saving?
Start free, understand your spending faster, and upgrade only if you want more automation.
Get started free