A quiet heads-up when a category moves.
Not a scold and not an alarm — just a note when one of your categories crept enough to be worth a glance, with our best read on what drove it.
Your power bill is the biggest mover this year — worth a look at the rate plan.
The free tier always shows your inflation rate and the heatmap. Ongoing monitoring — a fresh heads-up each time a category moves — is part of the paid tier. No pressure; the core keeps working for free either way.
See pricing & upgradeAn alert fires when a category crosses its creep threshold — it's a heads-up, not a verdict.
Read-only by design. True Cost observes spending to surface the creep — it never moves money, pays a bill, or cancels a subscription for you. Every action stays in your hands.
Modeled estimate — sample alerts are computed from the same seed categories the home screen and heatmap use. Production monitoring reads transactions via read-only Plaid (behind the Phase-2 gate), benchmarked against BLS category indexes, and re-checks on a schedule. No real account is connected here.