Pricing

Choose how you want to use Qoyla.

Three simple plans for individuals, on web or mobile, each with monthly Qoyla Credits so you only pay for what you use. Or check if access is included through your provider. You always see any price before you choose.

Starter

For trying Qoyla and checking basic availability.

$0/ month

No card required

50 credits / month

Start free
  • Basic safe-to-spend view
  • Limited Ask Qoyla questions
  • Basic plans
  • Region-aware currency & language

Pro

For families, creators, professionals & power users.

$19.99/ month

Cancel anytime · web or mobile

2,000 credits / month

Choose Pro

Everything in Premium, plus

  • Advanced planning
  • Family & shared plans where enabled
  • More Ask Qoyla usage
  • Priority insights
  • Multi-account intelligence where available
  • Advanced decision history
  • Early access to proactive guidance

Use Qoyla on web or mobile after choosing your plan. Prices may vary by region. If your institution or partner sponsors access, some features may be included as part of that relationship. You will always see any price before you choose a paid plan.

Already with a provider?

Access through your provider

Already have Qoyla through your institution, employer, cooperative or community? Your advisor access may be included as part of that relationship, no separate plan needed.

Check provider access

How Qoyla Credits work

Simple credits. No hidden AI cost.

Every plan includes a monthly credit allowance. Each thing Qoyla does costs a few credits, so you only pay for what you actually use, and you always see it first.

Starter50 / mo Premium500 / mo Pro2,000 / mo
Ask Qoyla answer1
Proactive alert2
Safe-to-spend check3
Clear record / proof record3
Money plan5
Deep money analysis5
PDF / audit export5
Savings or growth plan8
Product match10
Action proposal10
Simulation run10

If you reach your monthly credits, Qoyla asks before anything else runs, top up or upgrade, your choice. No surprise charges, and nothing you didn't approve.

No data resale

Your financial data is used to help you make better decisions. It is not sold.

No surprise charges

If a paid plan, product or partner offer has a cost, you see it before you choose it.

You stay in control

Qoyla can recommend and propose actions, but important actions require your approval.

Common questions