Every household page is free, for unlimited family members. Pro adds the deeper investing pages.
FreeNo subscription
Your whole household, plus your investment dashboard.
Microsoft Store · Windows 10 (2004+) or 11 · 64-bit
A$11.95a month, or A$79.45 a year
The deeper investing layer.
Bought inside the app, through the Microsoft Store
Drawn from the app’s own Licensing & Limits page, which is built from the same rules that unlock each feature. The time between refreshes, which that page does not list, comes from the app’s refresh rules.
8 limits · 6 differ, 2 the same
| Limit | Free | Pro |
|---|---|---|
| Family membersEveryone is counted in every household total. | Unlimited | Unlimited |
| Member dashboardsA page for each person, with that member's value over time. Nobody is ever left out of a total. | First 2 | All |
| PortfoliosPro runs two and switches between them. A plan change never deletes one. | 1 | 2 |
| Tracked instrumentsHoldings and watchlist items together, all kept valued and counted. On Free, 5 of them refresh live each update, and holdings you set up may pass 15, up to 100. | 15 | 100 |
| Live prices each updateOf the instruments you track, held positions first; the rest keep their last price and show when it was taken. | 5 | All |
| Price alertsChecked when prices refresh. On Free, watched items count toward the 15 instruments, and that limit binds first. | 15 | Unlimited |
| Price refreshes a dayThe same on both plans: a spending guardrail, not a feature. No background polling. | 20 | 20 |
| Time between refreshesCounted across all your portfolios on your PC, whichever page you refresh from. The demo keeps its own clock. | 5 min | 1 min |
17 features · all free
| Feature | Free | Pro |
|---|---|---|
| Family Dashboard and Money StoryNet worth, what the household earns, spends and keeps, a wellness score and cash flow, measured from your own transactions. | Included | Included |
| Pay down or invest?On any debt: the return an investment would need, before tax, to beat paying it down. A hurdle rate with every assumption shown, never a verdict. | Included | Included |
| What if… on debts and the household New in 1.5.6Change a debt's payment and see when it clears; on the Family Dashboard, try a change, or several together, over 1, 5, 10 or 20 years. | Included | Included |
| Where your money isEvery account, card and debt on one axis, ranked by the rate it earns or costs. | Included | Included |
| Bank-statement importCSV, OFX, QFX or QIF files, auto-categorised and de-duplicated. No bank login. | Included | Included |
| Tax time New in 1.6.4Mark payments with what they are, whose expense and the work share, see totals by person and category, and save the marked rows as a spreadsheet. | Included | Included |
| Bank accounts that follow your statements New in 1.5.6When a statement's balance column agrees with its rows, the account takes the bank's own figure and date. | Included | Included |
| Review Queue and categorisation rulesClear a backlog by merchant; rules tag future imports. | Included | Included |
| Money Flow and Spending InsightsMoney in, through your accounts, to money out, for periods from this month to all time; category trends and top merchants. | Included | Included |
| BudgetsPer-category caps counted live from your transactions, each able to start from what the category has actually cost. | Included | Included |
| Savings GoalsA target and a date, with the monthly amount it needs beside what your records show you keep. | Included | Included |
| Income & ExpensesRecurring income and bills, checked against what actually arrived and left. | Included | Included |
| Bill CalendarA cash-flow forecast of your running balance, with low-balance warnings. | Included | Included |
| Debt TrackerPayoff projections, extra payments, and a rate for each card so it ranks beside your other debts. | Included | Included |
| Subscriptions auditEvery recurring charge, what your statements actually charged, and a price change named with its date. | Included | Included |
| Asset Tracker with running costs New in 1.5.6Property, vehicles and valuables. Link bills to a home or car and see what it costs to run, planned and measured. | Included | Included |
| Net Worth TimelineYour net worth over time, with milestones and a statement of position. | Included | Included |
5 features · all free
| Feature | Free | Pro |
|---|---|---|
| Today and RunwayHow long your money would last if every income stopped, with every ingredient sourced. | Included | Included |
| Morning PulseA daily brief that remembers your last visit, with today's movers. | Included | Included |
| Week and Month in ReviewWhat you bought and sold, where the household money went and what it cost. Every figure real and dated; nothing projected. | Included | Included |
| Action ItemsOne prioritised list across bills, rebalancing, tax, insights and goals. | Included | Included |
| NotificationsOpt-in reminders from your own records: bills, the day ahead, price alerts and the Sunday Week in Review on every plan; dividend ex-dates with Pro. | Included | Included |
16 features · 5 free, 11 Pro only
| Feature | Free | Pro |
|---|---|---|
| Portfolio DashboardHoldings, cash and value across members, asset classes, markets and currencies, with your value over time from your first recorded day; after a setup, it starts after the setup day. Group trade records one buy or sell for several members; on Free it lists the first two. | Included | Included |
| Set up what you already own New in 1.6.1Each holding with what you paid and when, and the cash at your broker, checked against your broker's total before anything is saved. On Free it may record more than 15 investments. | Included | Included |
| Dividend IncomeDividends and interest received, with franking credits where they apply. | Included | Included |
| Tax CenterRealised and unrealised gains, a harvest list, wash‑sale flags and capital-gains estimates (AU · US · CA · UK + Europe), opening on the current financial year. Estimates, not advice. | Included | Included |
| Cash ledger, contributions and withdrawalsMoney into and out of the portfolio, kept as an auditable ledger. | Included | Included |
| Performance analyticsSimple return, Modified Dietz and money-weighted XIRR, each labelled. | Not included | Included |
| Year in Review (PDF)An annual recap on the Performance page, exportable to PDF. | Not included | Included |
| Holdings Breakdown | Not included | Included |
| Ownership OverviewOwnership attribution and roll-up totals for shared and family holdings. | Not included | Included |
| Allocation analysis and rebalancingPer family member, not just for the portfolio as a whole, with a target for cash as well as each holding. | Not included | Included |
| Risk Analytics | Not included | Included |
| Dividend CalendarProjected dividends by date, and a check for new dividends that runs in the background while you use the app. | Not included | Included |
| Tax Optimizer and What‑If SellHarvest candidates, wash‑sale warnings and year-end actions; plan a sale parcel by parcel with its estimated tax. | Not included | Included |
| Vital SignsA live dashboard of your portfolio with your own guardrails: single-holding and sector concentration, drawdown, and an optional volatility target. | Not included | Included |
| The LabSix reads, run when you ask: Crisis Replay (2000, 2008, 2020, 2022), Trade Quality, Behavioural Biases, Market Regime, Time Machine and Factor Attribution. | Not included | Included |
| Look AheadInvestment goals, goal probability (a 10,000-path Monte Carlo), the portfolio forecast, the What-If Simulator and the stress test. | Not included | Included |
14 features · 10 free, 4 Pro only
| Feature | Free | Pro |
|---|---|---|
| Household reports (PDF or Excel) Free since 1.5.6Net worth, income and expenses, the debt schedule, the asset register, subscriptions, the cash-flow forecast and the wellness score. | Included | Included |
| Financial-year household statement (PDF) New in 1.5.6Saved from Transactions, on every plan. It lists every row you marked for tax time. | Included | Included |
| Transaction export (CSV or Excel) New in 1.5.6A financial-year export of your household ledger, from Transactions. | Included | Included |
| Portfolio report sectionsHoldings, allocation, dividend and interest income, trade history, tax analysis, financial goals and portfolio cash accounts. | Not included | Included |
| Accountant Tax PackA portfolio tax document for a chosen financial year. | Not included | Included |
| Statement CheckCompare what the app believes with what your broker, registry or bank printed: the gap, what could explain it, and a dated record. Never edits your ledger. | Included | Included |
| Glass BoxA live receipt of each request the app sends to the price service, and an honest account of the connections it cannot see. | Included | Included |
| Data HealthPrice freshness, where exchange rates came from, coverage gaps and backup recency. | Included | Included |
| Local storage, password and PIN gateYour data stays on your device. A password, with an optional 4–6 digit PIN for quick unlock, gates the app; neither encrypts the file. Windows device encryption or BitLocker can protect it. | Included | Included |
| Automatic backups and one-file exportBackups in your Documents folder survive an uninstall; one file moves your data and settings to a new PC. | Included | Included |
| Share-split detection and fixSpots a likely split, then adjusts trades, price history and dividends in one previewed step, with undo. | Included | Included |
| Light and dark themes, Ctrl+KLight, dark or follow Windows. Ctrl+K reaches any page. Copy a picture of any page with Ctrl+Shift+C, or right-click for one with the amounts hidden. | Included | Included |
| CSV trade import (beta)Bulk-import trades and investment-account cash movements. Bank statements import free, from Transactions. | Not included | Included |
| Audit TrailA full record of every change. | Not included | Included |
If this table and the app ever disagree, the app is right, and we would like to know: tell us.
Yes. Every household page, for unlimited members, with no time limit on Free, and 15 tracked investments (holdings you set up may pass that). Pro adds the deeper investing pages.
Yes. The demo household opens every Pro page in a database of its own. It ends after 7 days, and each new demo starts from fresh sample data.
You return to Free. Your data stays where it is; Pro pages lock until you subscribe again.
Yes. Your records are on your PC and open without a connection. Prices refresh online, and Pro keeps working offline for up to three days after each Store check.
Your data stays on your device, in a database on your PC. There is no Pulse Neuron account.
Inside the app, through the Microsoft Store, which handles payment, renewals and refunds. Cancel in your Microsoft account.
Microsoft Store · Windows 10 (2004+) or 11 · 64-bit
