Start free. Upgrade when planning becomes ongoing or shared.
Use Free for everyday planning, Plus for ongoing personal work, Business for teams of up to 5, or Business Plus for a growing team of up to 15 people—including the owner.
Starter planning
Free
£0.00forever
No card required
For anyone planning an important expense, purchase, trip or savings goal.
No free trial · Local currency shown where supported · Cancel any time
For people managing several plans, richer commitment tracking, reminders, invoices or shared goals. Free still includes the commitments needed for one complete plan.
✓ Everything in Free
✓ Independent workspace for freelance and sole-trader work
✓ Unlimited active plans
✓ Recurring payment history, due dates and reminders
✓ Payment reminders and optional email alerts
✓ Monthly saving guidance and shortfall warnings
✓ Reusable plans and templates
✓ Share plans with contributors and approvers
✓ Planned versus actual cost tracking
✓ Quotes, invoices and projects with your branding, email and PDF
✓ Online invoice payments through your own Stripe account
✓ Expenses, financial reports and tax estimates
Teams & small businesses
Business
Updating…GBP / month
No free trial · Local currency shown where supported · Cancel any time
For small teams managing purchase orders, supplier bills, invoices and approvals.
✓ Everything in Plus, with each workspace kept separate
✓ 5 users included (owner + 4 team members)
✓ Business planning workspace
✓ Purchase orders and purchase approvals
✓ Supplier bill management and due dates
✓ Shared team spending plans
✓ Approval and activity history
✓ Reusable business planning templates
✓ Business income cover and commitment visibility
✓ Bank statement import and reconciliation
✓ Cash, receivables and payables reporting
✓ Budgets, forecasts and management reporting
✓ Spreadsheet financial-data imports and tax estimates
✓ VAT / sales tax summary
✓ Prioritised support queue
Best for growing teams
Business Plus
Updating…GBP / month
15 users · Cancel any time
For growing businesses that need one predictable price for a larger team.
✓ Everything in Business
✓ 15 users included (owner + 14 team members)
✓ One predictable workspace subscription
✓ No per-user add-on charges
✓ Built for growing finance and approval teams
✓ Priority onboarding support
Why people upgrade
Pay for the tools that save time when planning gets busier.
Plus adds ongoing planning, reminders, reusable plans and sharing, plus the Independent workspace for quotes, invoices, projects, expenses and tax estimates. Business adds the controls teams need for bills, approvals and shared spending.
01
Stay ahead of payment dates
See the monthly pace needed for a deposit or final payment and get warnings when a plan may fall behind.
02
Reuse what already works
Keep templates and named plan versions instead of rebuilding repeat trips, events, purchases or business costs.
03
Plan with other people
Invite contributors or approvers and keep the status, reminders and decisions attached to the same plan.
04
Keep business commitments visible
Create professional invoices, organise supplier bills and keep approvals and due dates together.
05
Ask TMonie, on every plan
A built-in assistant that explains how to use any feature, in plain language. Switch on “Use my records” to ask about your own figures. It is optional, cannot change anything, and is never trained on your data.
Core account controls stay available
Privacy controls, export, deletion, safety explanations and access to your historical records do not depend on a paid subscription.
TMonie does not hold funds, initiate payments, provide loans, perform accounting or tax filing, or give regulated financial advice. If you turn on online invoice payments, your customers pay you through your own Stripe account.