Free
Oxygen
1 user · 1 bank · 1 goal
$0
forever free
- ✓1 bank account
- ✓1 active goal
- ✓Goal Impact Bar
- ✓Basic Atom ⚛ — text only
- ✓AI transaction categorisation
- ✓3 Dupe Finder uses/month
- ✓Real-time dashboard
- ✓Contextual ads (non-targeted)
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Premium
Atomic
1–2 users · unlimited everything
$11.99
per month
$6.99
per month, billed annually
$83.88/yr — 5 months free
- ✓Everything in Oxygen
- ✓Unlimited bank accounts & goals
- ✓Full Atom ⚛ — text & voice
- ✓Unlimited Dupe Finder
- ✓Full AI Personal Shopper + Wishlist Import
- ✓Mood Spending Detection
- ✓Spending Personality Profile
- ✓Future You Simulator
- ✓Dream Big
- ✓Bill Negotiation Coach
- ✓Unlimited Au Insights
- ✓1 partner free — shared dashboard & goals
- ✓Completely ad-free
Household
Fusion
up to 5 users
$21.99
per month
$12.83
per month, billed annually
$155.88/yr — 5 months free
- ✓Everything in Atomic
- ✓Up to 5 users
- ✓Shared Wishlist with Goal Impact
- ✓Household Wishlist Voting
- ✓Household Insights across all members
- ✓Spending Compatibility Score
- ✓Household Spending Personality
- ✓Atom Household Mode
- ✓Combined Net Worth Dashboard
- ✓Spending Transparency Toggle