$5 a month. $8 for a household and a business.
Per person, per month. Someone who only views is free. 30 days free when your account opens, with no card.
Standard, a month: your own money, all of it
Premium, a month: a household, a business and the tax year
Standard
Your own money, all of it, reconciled to the cent.
- Up to 3 bank logins updated morning and evening
- Unlimited imports: CSV, OFX, QFX and statements
- Safe to spend before payday
- Every bill and paycheck ahead, on a calendar
- Where the money went, and where it flows
- Net worth, every account face up
- The short list of what needs you
- Every transaction, searchable, with its reason
- Monthly statements and a full export
- Statements and receipts, filed to their account
- Your three credit reports, read and compared
Reserving is free. 30 days free when your account opens, with no card. Viewers are free.
Premium
A household, a side business and the tax year.
- Everything in Standard, and:
- Up to 10 bank logins updated morning and evening
- Share with a partner: who sees what, settle up
- Whose paycheck, whose bill — worked out, asked once
- Pay stubs read: what an hour of work brings home
- Business books: owner pay, invoices, Schedule C lines
- What the tax year comes to: withholding, every state, mileage
- It speaks first: money running short before payday, a price rise, a charge taken twice
Reserving is free. 30 days free when your account opens, with no card. Viewers are free.
Renewal, in plain words. When your account opens you choose a plan; nothing is charged until your free days end and you have said yes to the price and these terms. Your plan then renews every month at the price shown until you cancel. You can cancel online, any time, in two clicks; you keep access to the end of the month you paid for. If a price ever changes, you are told before it applies to you. Reserving today costs nothing and commits you to nothing.
Everything on each plan.
| What you get | Standard $5 | Premium $8 |
|---|---|---|
| Bank logins updated morning and evening | 3 | 10 |
| Safe to spend before payday | ✓ | ✓ |
| Every bill and paycheck ahead, on a calendar | ✓ | ✓ |
| Where the money went, and where it flows | ✓ | ✓ |
| Net worth, every account face up | ✓ | ✓ |
| The short list of what needs you | ✓ | ✓ |
| Every transaction, searchable, with its reason | ✓ | ✓ |
| Monthly statements and a full export | ✓ | ✓ |
| Statements and receipts, filed to their account | ✓ | ✓ |
| Your three credit reports, read and compared | ✓ | ✓ |
| CSV, OFX, QFX and statement imports, unlimited | ✓ | ✓ |
| Share with a partner: who sees what, settle up | — | ✓ |
| Whose paycheck, whose bill — worked out, asked once | — | ✓ |
| Pay stubs read: what an hour of work brings home | — | ✓ |
| Business books: owner pay, invoices, Schedule C lines | — | ✓ |
| What the tax year comes to: withholding, every state, mileage | — | ✓ |
| It speaks first: money running short before payday, a price rise, a charge taken twice | — | ✓ |
Where $5 goes.
We would rather show you than ask you to trust us. Card processing costs about $0.48 of every $5 payment and $0.59 of every $8. Each bank login kept up to date costs us $0.30 a month. What is left runs the service, keeps it secure and pays for it to get better. There is no other revenue: no ads, no data sales, no referral fees.
| Per person, per month | Standard | Premium |
|---|---|---|
| Price | $5.00 | $8.00 |
| Card processing | −$0.48 | −$0.59 |
| Bank logins, at the most | −$0.90 | −$3.00 |
| Left to run Panorama, at the least | $3.62 | $4.41 |
From the published prices of the payment processor and the bank-data provider, read 7 October 2026. Hosting and support are not in these lines.
About a third of what Monarch and YNAB charge.
Each company's price as it published it, with the date we read it.
| App | Price | Source |
|---|---|---|
| My Financial Panorama | $5/mo, or $8/mo Premium | this page |
| Monarch | $14.99/mo or $99.99/yr | their pricing page, read 2026-10-08 |
| YNAB | $14.99/mo or $109/yr | their pricing page, read 2026-10-08 |
| Lunch Money | $10/mo or $100/yr | their pricing page, read 2026-10-08 |
| Simplifi | $3.99/mo billed yearly (first year; $6.99 regular) | their pricing page, read 2026-10-08 |
Their prices, as each company published them on the date shown. Prices change; follow the link for today's.
Questions about paying.
Why per person?
Because each person who keeps books costs us the same to serve. Someone who only views — a partner who just wants to look, your accountant — is free.
Is there a free trial?
Yes: 30 days, no card, from the day your account opens. You are never charged without being shown the price and the renewal terms and saying yes.
When can I start?
Accounts open in waves, in the order places were reserved. Reserve a place now and we will write to you when yours is ready. Reserving costs nothing and commits you to nothing.
Can I cancel?
Yes, online, any time, in two clicks. You keep access to the end of the period you paid for, and you can take everything with you.
What does $5 a month get me?
Everything about your own money: safe to spend, bills and paydays, spending, net worth, your credit reports compared, monthly statements and a full export — with up to 3 bank logins updated morning and evening and unlimited imports.
What does Premium add for $8?
A household and a business: sharing with a partner with privacy per account, whose paycheck each deposit is, settle up, pay stubs read, a company's books, the tax year modelled, and notices when something needs you. Up to 10 bank logins.
Your place is free to reserve.
We write when your account opens. Then you get 30 days free, with no card, and it is $5 a month after that.
- Reserving is free
- 30 days free when your account opens, no card
- Cancel online, any time