Free + Premium
Premium and pricing
Lipi is free to use. Premium is USD 3 a month, or USD 2 billed yearly, and removes the limits. New accounts get 1 week of Premium free; redeem codes add more.
Problems it solves
- I do not want to pay before I know the app is useful.
- I want to know exactly what is free and what is not.
- I hit a limit and want to know what unlocks it.
What it is
Lipi has two plans: Free and Premium. Free covers everyday tracking with some limits. Premium costs USD 3 a month, or USD 2 a month billed yearly (USD 24), and removes the limits and adds the advanced features. Every new account starts with 1 week of Premium free.
What problem it solves
You can try the app for real before you pay anything, and the price is small enough that the choice is easy. The limits are clear and listed below.
How it works
- Sign up. You get 1 week of Premium free. Settings > Premium then shows “Free Premium until” and the date.
- When the week ends you stay on Free. Going back to Free never deletes your data.
- To go on, open Settings > Premium and choose Go Premium. Payments are recorded by Lipi staff.
- If you have a code, open Redeem code and type it in the form XXXX-XXXX-XXXX-XXXX. It adds free Premium on top of what you already have.
- Locked features show Premium feature with See Premium benefits.
Details and rules
Free limits:
- 2 accounts
- 5 custom categories
- 3 active budgets
- 3 dashboard widgets
- 5 receipt attachments a month
- 5 receipt scans a month
- 2 AI assistant connections
- 1 invoice sender
Free also includes: unlimited transactions, monthly summary, ledgers with people, the loan calculator, invoices and clients, splits, the Currency page with converter, history and alerts, light and dark mode.
Premium adds:
- No limits on the items above. Receipt scans have a fair-use cap of 100 a day.
- Bank loans with EMI schedules and loan insights
- Assets and net worth tracking
- Recurring and scheduled transactions
- Premium insights: net worth trend, spending forecast, recurring expenses, cash flow, savings rate, category movers, bills radar, unusual spend, metals trend
- CSV import, export and backup
- Invoice branding with your logo, colours and signature, with no Lipi footer
- Extra themes, more profile pictures, urgent support
Which features need Premium is set by Lipi and can change. Always check the app’s Premium screen. Redeem codes are issued in batches with a valid-until date, and one code is used at a time.
Works with
Ask an AI assistant
Ask: “Am I on Premium, and what are my limits?” The assistant calls get_plan and returns your plan, when free Premium ends, your limits and which features need Premium.
For AI assistants
Lipi’s MCP server gives an assistant these tools for this feature:
get_plan
Questions and answers
How much does Lipi cost?
Lipi is free to start. Premium costs USD 3 a month, or USD 2 a month billed yearly (USD 24). The pricing section on the home page shows the price in your currency, converted and rounded down, but you are billed in USD. Prices only change with 30 days notice, and going back to Free never deletes your data.
What is free in Lipi?
Unlimited transactions, 2 accounts, 5 custom categories, 3 budgets, 3 dashboard widgets, a monthly summary, ledgers with people, the loan calculator, invoices and clients, the currency converter, history and alerts, 5 receipt attachments and 5 bill scans a month, and light and dark mode.
What does Premium add?
No limits on accounts, categories, budgets, widgets and attachments. It also adds bank loans with EMI schedules, assets and net worth tracking, recurring and scheduled transactions, all premium insights, CSV import, export and backup, extra themes, 100 bill scans a day and urgent support.
Do new accounts get a free trial?
Yes. Every new account gets 1 week of Premium free, with no card needed.
How do I redeem a code?
Open Settings, Premium, Redeem code, and enter the code in the form XXXX-XXXX-XXXX-XXXX. It adds free Premium on top of what you already have.
How does Lipi pricing compare with other expense apps?
The free plan works on its own, and Premium is USD 3 a month, or USD 2 a month billed yearly. Features such as the language choice and multi-currency accounts are in the free plan. Lipi does not connect to bank accounts, so there is no bank-linking fee.
Last updated:
More in The app and your account
Install Lipi and work offline
Yes, Lipi works offline. Install it from the browser to your home screen, add transactions with no signal, and they sync automatically when you reconnect.
Languages
Yes, Lipi works in English and Nepali today. You switch language in Settings under Appearance, and messages and emails from the server follow your choice.
Notifications and reminders
Yes, Lipi has an in-app inbox plus push and email alerts for budgets, EMIs, low balance, recurring posts, reminders, digests, rate and price alerts, invoices and security. Free.