Pricing

Simple, Transparent Pricing

Start free. Upgrade when you need more AI-powered insights. All prices in NZD.

Subscriptions and credit packs are purchased inside the Monara app.
Download the app to get started - your plan is managed directly from your device.

Subscriptions

Available Plans

Upgrade when you need more AI-powered insights.

Free

Always free. Ad-supported with one-off credit packs available.

  • Full money planning features
  • Ad-supported experience
  • One-off 2,000 credit pack included

Price $0 Forever

Lite

A great start for regular AI insights.

  • 750 monthly AI credits
  • Ad-free experience
  • Full money planning features

Price $5 Monthly

Pro

Most Popular

More credits for deeper analysis every month.

  • 1,500 monthly AI credits
  • Ad-free experience
  • Full money planning features

Price $10 Monthly

Extreme

Our most advanced model with maximum credits.

  • 2,250 monthly AI credits
  • Access to our most advanced model
  • Deeper insights & data analysis
  • Ad-free experience

Price $15 Monthly

Credit packs

Need More AI Credits?

Top up any time with a one-off credit pack. Credits are used for AI features like Money Plan analysis and Daily Transaction reports.

Small Pack

Great for occasional AI-powered insights.

Credits: 750

Price $5 per pack

Medium Pack

Regular analysis without a subscription.

Credits: 1,500

Price $10 per pack

Large Pack

Maximum credits in a single purchase.

Credits: 2,750

Price $15 per pack

Ready to get started?

Download Monara and manage your subscription from the app.

Download the App

  • All prices are in New Zealand Dollars (NZD) and include GST.
  • Subscriptions renew monthly and can be cancelled at any time.