Pricing

Free for flatmates. Forever.

Every feature you need to run a flat is free, with no ads, no data selling, and no “upgrade for the maths to work.” If we ever sell a paid plan, it's for things you probably don't need.

✦ Recommended

Flat

Everything a flat needs

₹0forever

Open the web app

Unlimited flatmates per flat
Unlimited expenses, receipts, history
Recurring rent, bills, subscriptions
UPI deep-link settle (GPay / PhonePe / Paytm / BHIM)
Receipt parsing for major Indian apps
Smart-simplify before settlement
HRA-ready rent receipt PDFs
Home-screen balance widget
WhatsApp-shareable summaries
End-to-end encryption between flatmates

Coming after launch

Plus

Power features, maybe

₹99/mo · later

Tell us if you'd want it

Multi-flat dashboards (for landlords + PG owners)
CA-ready export packs (PDF + Excel + GST friendly)
Auto-categorisation across multiple flats
Spend analytics with monthly reports
Priority support · same-day reply
Custom flat themes, icons, names

We may never ship Plus. If we do, it'll be obvious which flats need it. Everyone else stays on Flat, free, forever.

Why free

Because a money app that asks you to upgrade is already failing.

No ads

We will never put an ad in front of your rent. talo is funded by the optional Plus tier (one day), not by selling your attention.

No data selling

Your flat's spending data stays between your flat. We don't sell it, share it, or use it to train models. End-to-end encrypted.

No paywalled maths

Smart-simplify, UPI settle, recurring rent. The things that make talo useful are free. No 'upgrade to see the answer.'

Pricing FAQ

The honest questions.

Is talo really free?

Yes. Every feature listed under the Flat plan is free, with no expiry, no ads, no asterisk. If you want to support us, share talo with another flat.

What happens to the free plan if Plus launches?

Nothing. The Flat plan stays free, with the same features. Plus is for niche power use cases: multi-flat landlords, accountants, PG owners.

Do you sell my data?

No. Your flat's data is encrypted between flatmates. We can't read your expenses even if we wanted to. We make money from optional paid features, not data.

Why not charge a small subscription?

Because a money app for flatmates is most useful when every flatmate can join. The moment one person says 'I'll skip the subscription,' the flat breaks. Free fixes that.

Will the UPI settle have transaction fees?

No. talo doesn't move money. UPI does, and UPI is free between consumers. talo just opens the right deep-link with the right ₹.

Free during early access

Move in. No card.

Free now, free forever. The whole flat in under two minutes.

Open app.talo.club