Choose your trading journey.
Start free. Upgrade when you're ready to run every broker through one intelligence layer. All plans include the core tradebook, FIRE.
Forever free
- Unlimited StockSage Chat
- FIRE Calculator
- Manual Tradebook Management
- Manual Portfolio Management
- Manual Positions Management
- 1 Broker Account (Introductory Offer for 30 days)
- Stock Analysis & Research
One-time payment • Lifetime access
- Everything in Free
- 50 Research Credits/month
- Unlimited Broker Sync
- Unlimited Holdings & Positions Sync
- Stock & MF Discovery with Live Data
- Purchase Additional Credit Packs
Billed monthly
- Everything in PRO
- 200 Research Credits/month
- Personalized Learning Modules
- Portfolio Analysis with StockSage
- Build Trading Strategies with StockSage
- Purchase Additional Credit Packs
- Priority Support
Requires PRO or Premium plan
System auto-selects the optimal AI model for each query (1-3 credits per query based on complexity)
Credit pack credits never expire and carry forward across billing cycles
| Feature | Free | PRO | Premium |
|---|---|---|---|
| FIRE Calculator | |||
| Manual Tradebook & Portfolio | |||
| Broker Connections | 1 (30 days) | Unlimited | Unlimited |
| Holdings & Positions Sync | 30 days trial | Unlimited | Unlimited |
| Stock & MF Discovery (Live Data) | |||
| Research Credits/month | 0 | 50 | 200 |
| Portfolio Analysis with StockSage | |||
| Build Trading Strategies with StockSage | |||
| Personalized Learning Modules | |||
| Priority Support |
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Read-Only Access
We never place orders
Is the ₹999 one-time payment really for lifetime?
Yes! The PRO plan is a one-time payment that gives you lifetime access to broker sync, holdings, positions, and 50 Research Credits per month. This is a limited-time offer (actual price ₹3,999).
How do Research Credits work?
Each query costs 1-3 credits depending on complexity. The system automatically selects the best AI model for your question - simple queries (portfolio checks, price lookups) cost 1 credit, while deep analysis (stock research, strategy evaluation) costs 2-3 credits. You don't need to choose a model.
What happens when I use all my credits?
You can purchase Credit Packs starting at ₹849 for 50 credits. Credit pack credits never expire and carry forward across billing cycles. Bulk packs offer better per-credit rates (up to ₹10/credit for the 1,000 pack).
Can I cancel or downgrade my plan?
Yes! Pro and Premium users can downgrade anytime:
- Pro plans: Features remain active for 1 year from purchase
- Premium Monthly: Features remain active until end of current month
After the grace period, you'll automatically be moved to the Free plan.
Is my broker data safe?
We use read-only OAuth - we can never place orders or modify your broker accounts. All credentials are encrypted with AES-256-GCM. We are not a SEBI-registered broker, Research Analyst, or Investment Advisor.
What AI models power StockSage?
Free-tier AI chat uses Gemini Flash models (fast, unlimited). Research Credits use advanced models (Gemini Pro) for deep analysis, stock reports, and strategy building. The system auto-selects the best model per query - you never choose manually.
UseMoney is a product of DIS Digital LLP. We are not a SEBI-registered Research Analyst (RA), Investment Advisor (IA), or Stock Broker. All AI-generated content - including stock analysis, portfolio insights, and research reports - is educational and informational only and does not constitute investment advice.
Market data may be delayed by up to 15 minutes. Historical performance, backtesting results, and AI predictions are not indicative of future results. Investment in securities is subject to market risks. Read all related documents carefully before investing.
AI models (Gemini Flash / Pro) have inherent limitations and may produce inaccurate outputs. Always verify AI suggestions with independent research. Rate limits and fair-usage policies apply to all plan tiers.