One plan.
Everything included.

Honestly? Annual is the smart pick — you get two months free every year and lock in the best price. But if you're not ready to commit for a full year, start with Monthly. It's the easy yes, and you can switch to annual any time once you're hooked (most people do). Here's the thing about Obie: you get value on day one and it's built to stick around. From your very first Pay Day Plan you'll connect your accounts and instantly see your income and spending tracked against your 70/30 plan — where you can save more each pay, and where there's money hiding to start or grow your investing. Same income. Different outcome. But Obie isn't a one-and-done app. It holds your entire financial life in one place, in your pocket, and rewards you as you move through the steps over time. It's a bit like a great Netflix series — the first episode pulls you in, but the whole thing is where it gets so good.

Yes — we save your card when you sign up, but you won't be charged a cent for 30 days. Saving it now just means your plan keeps running the moment your trial ends, with no gap and nothing to re-enter. Cancel any time before day 30 and you'll never see a charge. Simple as that.

Your plan simply carries on — no gap, nothing to re-enter, no new setup. On day 30 your chosen plan begins and your card is charged for the first time, so you keep everything you've built without missing a beat. And if Obie isn't for you, you're always free to cancel before then and pay nothing. We'll never charge you without you knowing exactly what's coming.

Only how often you pay. Both plans give you every step, every tool and every feature — there's no "premium" tier and nothing locked away. Monthly is $9.95 and gives you total flexibility. Annual is $79, which works out to $6.58 a month — that's two months free every year compared to paying monthly.

Absolutely — and most people do, because it's the better deal. You can switch from monthly to annual any time from your account settings. We'll credit whatever you've already paid for the current month toward your annual plan, so you never pay twice for the same days. Once you're on annual you're saving two months' worth every year.

Yes, and we mean it. It's a couple of taps in the app — no forms to fill out and no phone calls. We might show you a better-value option on the way out (like switching to annual), but the choice is always yours and cancelling is never more than a step away. You'll keep full access until the end of the period you've already paid for, and your data will be waiting for you if you ever come back.

This is the one we take most seriously. Obie connects through Australia's Consumer Data Right (CDR) — the same government-regulated open banking standard the major banks use. That means read-only access: Obie can see your transactions to build your plan, but it can never move, touch or transfer your money. Your data is encrypted both in transit and at rest, and we're never given your banking passwords. Just as importantly — we make money from your subscription, not your data. We don't sell it, we don't share it with advertisers, and there are no ads in Obie. Ever. Your numbers are yours alone.

No — Obie is your Money Guide, not a licensed financial adviser. It gives you general financial education and guidance built entirely from your own numbers, so you can understand your money and make confident decisions. For personal advice about your specific situation — like a complex tax question or a major investment — you should speak with a licensed financial planner. Think of Obie as the switched-on mate who helps you get your act together, not the suit who charges $3,500 for a statement of advice.