Choose the plan that best fits your needs.
Free forever. Start tracking your personal finances with no time limit.
For families & small businesses. WhatsApp Assistant, AI Advice, and auto receipt scanning.
Full access for power users. Unlimited AI, automatic WhatsApp Smart Alerts, and 90-day forecast.
International payments (USD) are processed by Paddle.com Market Limited as the Merchant of Record.
Domestic payments (IDR) are processed by Midtrans (PT Midtrans).
| Feature | Basic | Plus | Pro |
|---|---|---|---|
| 📊 Tracking & Management | |||
| Workspace | 1 | 3 | Unlimited |
| Members/Workspace | 2 | 5 | Unlimited |
| Custom Categories | 5 | 30 | Unlimited |
| Savings Goals | 2 | 10 | Unlimited |
| Recurring Bills | 3 | 15 | Unlimited |
| Budget Tracker | |||
| Health Score | |||
| Multi-Currency | |||
| 🤖 AI & Automation | |||
| WhatsApp Assistant | 15 days/mo | 30 days/mo | |
| AI Advisor | 10x/mo | 30x/mo | |
| Receipt Scan (OCR) | 15x/mo | 100x/mo | |
| Forecast | 30 days | 60 days + AI | 90 days + AI |
| AI Financial Forecast | |||
| Smart Alerts (WhatsApp) | |||
| 📄 Reports & Export | |||
| Export Report (PDF/Excel) | |||
| Shared Report Links | 3 | Unlimited | |
Full transparency about the capabilities and limitations of each Exflo feature.
| Feature | CAN Do | CANNOT Do |
|---|---|---|
| WhatsApp Bot | Record transactions via chat, OTP linking, auto notifications | Not a general AI chatbot, no 2-way chat, for recording only |
| AI Advisor | Cashflow analysis, savings tips, spending pattern detection | Not a licensed financial advisor, not investment advice |
| Forecast | 30/60/90-day balance prediction based on historical data | Not stock/market prediction, no accuracy guarantee |
| Debt Tracking | Record debts/receivables, 2-way claims, track installments real-time | Not a collection agency, no auto-collection, not a billing service |
| Reports | Export PDF/Excel/CSV, monthly summary reports, shared links | Not official tax reports, not certified audit reports |