Simple Subscriptions
Premium Features, Transparent Rates
Unlock cross-device cloud sync, unlimited cashbooks, and intelligent conversational voice entries with zero hidden conditions.
INR (₹)
USD ($)
Rate applied: 1 USD = 95.0 INR
Free Forever
₹0
/ month
Perfect for core device-only transaction logging and privacy-focused local bookkeeping.
- Max 2 Personal Cashbooks
- Max 2 Bill Reminders
- 5 AI Credits / month
- Current Month Feed View
- Cloud Backup & Sync
- Category Budget Planning
Monthly Pro
₹79
₹49
/ month
Flexible, monthly auto-renew access to cloud synchronization and category-level insights.
- Unlimited Cashbooks & Bills
- Cloud Backup & Sync
- 100 AI Credits / month
- All-time History & Custom Timelines
- Category Budget Planning
- Excel & CSV Data Export
Save 32%
Annual Pro
₹599
₹399
/ year
Best value overall. Translates to just ~₹33/month billed yearly.
- Unlimited Cashbooks & Bills
- Cloud Backup & Sync
- 100 AI Credits / month
- All-time History & Custom Timelines
- Category Budget Planning
- Excel & CSV Data Export
Stackable Credits
Need More AI Credits?
Purchasable by Pro subscribers/trialists when monthly allowances are consumed. Top-up credits stack and **never expire**.
20 AI Credits
₹19
45 AI Credits
₹29
100 AI Credits
₹55
Feature Gating Details
| Feature Scope | Free Tier | Premium Tier |
|---|---|---|
| Manual Transactions | Unlimited | Unlimited |
| Active Cashbooks | Maximum 2 | Unlimited |
| Bill Reminders | Maximum 2 | Unlimited |
| Calendar History Feed | Current Month Only | Full Timeline (All Periods) |
| Monthly Budget Goals | Total Goal only | Full Category Limits (Food, utilities, etc.) |
| Monthly AI Conversational Queries | 5 credits / month | 100 credits / month |
| Cloud Backup & Cross-device Sync | ❌ No | ✅ Yes (Secure Supabase Sync) |
| Excel/CSV Export | ❌ No | ✅ Yes |
| Ad Experience | Supported by Ads | Ad-Free Experience |
Frequently Asked Questions
What exactly is 1 AI Credit consumed for?
1 AI Credit is consumed for every successful plain-English conversational search query (e.g. "show coffee expenses this week") or successful batch voice transcription parse. Regular manual entries do not cost credits.
Do AI credits roll over?
Plan-allotted credits (5 for Free, 100 for Pro) refresh at the start of each calendar month. Unused plan credits do not roll over. However, purchased top-up credits stack and never expire, even if your subscription renewal pauses.
Can Free users buy top-up credits?
No, top-up packs are exclusively available to Premium tier subscribers and active trial accounts since cloud backup and category features remain locked on the Free tier.
Is there a trial period?
Yes, every new account signed up in Koshbook receives a 30-day Premium trial with full feature access and cloud synchronization enabled from day one. After 30 days, users can subscribe or automatically revert to the Free tier limits.