Simple, honest pricing
Start for free. No credit card required.
Kitchen Table has a free-forever plan that covers the essentials: income, budgets, debt payoff, accounts, and your roadmap. Plus is optional, for when you want more room to import and categorise.
Pricing
Start free. Stay free for as long as you like.
The core tools are free forever, with no credit card required. If you ever want more headroom for importing and categorising, Plus is there when you need it.
Free Forever*
Everything you need to get organised and pay down debt.
$0forever
- Income tracking and take-home pay
- Budgets that fit your real life
- Debt payoff plans and strategy comparisons
- Accounts, transactions, and your net worth
- The 17-step financial freedom roadmap
- AI import up to 3 files and 250 transactions a month
No credit card required.
* Limits and features are subject to change. See our Terms of Use.
Plus
OptionalFor heavier importing and more headroom each month.
$12.99/ month
or $99 per year
- Everything in Free Forever
- AI import up to 5 files and 750 transactions a month
- More headroom for busy months
- Monthly or yearly billing, cancel any time
Your first 3 months are on us. No credit card required to start.
Common questions
Frequently asked questions
The things people ask before they start using Kitchen Table.
Is Kitchen Table really free?+
Yes. The free-forever plan includes budgeting, income tracking, debt payoff tools, and your financial roadmap, so you can build a solid financial foundation at no cost. You do not need a credit card to start, and you can stay on the free plan for as long as you like.
How much does Kitchen Table cost?+
The core of Kitchen Table is free forever, with no credit card required. There is also an optional Plus plan at $12.99 per month or $99 per year for higher AI import and categorisation limits. Start free and upgrade later only if you want more headroom.
How is Kitchen Table different from a spreadsheet?+
A spreadsheet only tracks numbers. Kitchen Table is a personal finance app that brings earning, spending, debts, and savings into one view, then turns it into a plan. It compares debt payoff strategies, shows your next repayment, and keeps everything simple enough to stick with.
Can Kitchen Table help me pay off debt faster?+
It can. Kitchen Table tracks your debts and repayments in one place so you always know what matters next. You can compare payoff strategies like the avalanche and snowball methods side by side and follow a plan until the balance hits zero.
Do I need to link my bank account?+
No. You can enter transactions manually or import bank statements from a CSV file. Kitchen Table is designed to show where your money goes without forcing a bank connection.
Does Kitchen Table work in Australia?+
Yes. Kitchen Table is built for Australian dollars (AUD) and for the way people in Australia budget, save, and pay down debt. Amounts are shown in AUD throughout the app.
Do I need to be good with money to use it?+
Not at all. Kitchen Table uses plain language and lets you go at your own pace. Whether you are paying down debt, building your first emergency fund, or just trying to get organised, the app meets you where you are.
Start for free. Stay for free.
Getting control of your finances takes a little time, and you should not have to pay to begin. There's a free-forever plan, so the tools that help build a solid financial foundation are yours to keep. If you ever want more headroom for importing and categorising, Plus is optional.
No credit card required. No pressure. Take your time.