Simple plans.
Real value.

On the web (marvinmoney.com): start your trial without entering a card. After 7 days, Marvin quietly reverts to Free unless you upgrade. We never auto-charge you on the web.

On the App Store / Play Store: Apple and Google require a payment method on file before a trial can start — that's their rule, not ours. They'll auto-renew at the end of the trial unless you cancel from your device's subscription settings. You won't be charged during the 7 days.

Yes, on every platform. Upgrades start immediately and we pro-rate the difference. Downgrades take effect at the end of your current billing cycle so you keep what you paid for.

Switching plans during the free trial works on the web, the App Store, and the Play Store. Apple and Google both let you change plans within the same subscription group mid-trial without losing the trial — the new plan applies right away.

Starter gets the full read-only experience — receipt scanning, the complete timeline (past, current, future months), spending forecasts, the dashboard insights, smart summaries. Pro adds the conversation: open Marvin chat and ask anything (*"can I afford this trip?"*, *"why was last month so tight?"*, *"what should I cut?"*). It also adds affordability checks and data export. The chat is what justifies the price jump — everything you need to see your money is on Starter; Pro is for when you want to talk through decisions with Marvin.

No plan is unlimited. Every plan, including Pro+, has a monthly Marvin AI usage allowance. When you reach it, AI chat and Vision-based receipt scanning pause until your next billing cycle resets the budget. Other AI-assisted features (insight banners, smart summaries) keep working with reduced response quality after the cap. Your live usage and reset date are visible in your account Settings, so you can pace yourself. Full details in our Terms.

Yes — recharge any amount, any time, on the web. Credits are sold at marvinmoney.com only (not inside the iOS or Android apps), from your AI Usage card in Settings. Type the amount you want — there are no fixed packs — and it'll appear as Marvin AI usage on your account. Credits are priced in CAD, regardless of where you live; if your card is in another currency, your bank handles the conversion. Credits are available on Pro and Pro+ subscriptions; if you're on Free or Starter, any unused balance is paused until you upgrade back. Credits stack on top of your monthly allowance and don't expire while your subscription is active. We pass the full purchase amount through as Marvin AI credits, less only the payment processor's fee — Marvin doesn't take a cut. Your credit usage is tracked separately from your monthly allowance.

If you subscribe via the web, your local currency — based on the country you set in Settings. We use purchasing power parity (not just exchange rates), so the price feels fair wherever you live. If you subscribe via the App Store or Play Store, Apple and Google convert to your local currency using their own regional pricing matrices.

Apple and Google set in-app subscription prices through their own regional tier systems, with their own currency, tax, and regional adjustments. Web checkout pricing is set independently using purchasing power parity. Each platform manages its own billing.

Student verification is on the roadmap — drop us a line at hello@marvinmoney.com if you'd like early access.

Yes. Your bank password is never shared with Marvin. Receipts and statements you upload are encrypted at rest and never used to train shared AI models. Read more on our privacy page.

It's an optional convenience, and the part that matters is on every paid plan. Anyone on Starter, Pro, or Pro+ can drop a statement or snap a receipt and let Marvin Vision sort it — that's how we recommend using Marvin at any tier. Auto-import is a hands-off shortcut we include in Pro+ (US & Canada, more countries coming); you won't get better data or insights by connecting a bank — it just saves you the upload, and Marvin works fully without it.

You can export everything (CSV, PDF) anytime, even on Free. If you delete your account, we wipe your data permanently within 30 days — no backups, no ghost copies.