Personal Spend Management Personal Spend Management

Personal Spend Management That Helps You See, Understand, and Control Your Spending

Connect your financial accounts, identify recurring costs, manage subscriptions, and control payments from one personal spend management platform.

Choose Your Plan

One Clear View of Your Personal Spending

Naxcol connects supported bank and card accounts and brings your transactions into a unified, categorized spend feed. Transactions can be classified as personal or business, helping you understand where your money is going across connected accounts. This foundation gives you a clearer approach to personal expense management while powering Naxcol's subscription intelligence, savings tracking, and other spending tools.

The only spend manager that's paid to save you money, not to spend it.

One Clear View of Your Personal Spending

Find the Subscriptions Affecting Your Spending

Naxcol's Subscription Intelligence scans transaction activity to detect recurring charges, flag price increases, and identify likely duplicate or overlapping subscriptions. Instead of giving you an unexplained score, Naxcol shows a keep/cut recommendation with visible reasoning so you can review the information and decide what action makes sense.

Cancel What You No Longer Need

Base provides a guided manual cancellation process. Pro and Premium allow Naxcol to attempt automated cancellation where supported, with a guided manual process available when automation cannot complete the cancellation. Realized savings from cancellations and avoided price increases are tracked in your ongoing savings dashboard, connecting personal spend management decisions with their measurable results.

Use Virtual Cards to Put Controls Around Payments
Available with Pro and Premium, virtual cards for personal use give you more control over one-time purchases, free trials, and recurring subscriptions. Create single-use cards with a defined maximum amount or merchant-locked cards for recurring payments, then apply spending caps and validity windows where appropriate. If the price of a linked subscription rises beyond a threshold you set, Naxcol can automatically freeze the associated card pending your confirmation.
Go Beyond Receiving an Alert
Virtual cards serve as an enforcement layer within Naxcol. A subscription price increase does not have to stop at a notification. When the appropriate controls are in place, the associated card can be frozen so you can review the change before deciding what happens next.
Build a Budget Around Your Actual Financial Activity
Naxcol Premium includes the Budget Tracking Suite for users who want broader personal expense management capabilities. Create custom category or envelope budgets, track savings goals, combine budgets across multiple connected accounts, and use recurring income and expense patterns to generate rolling cash-flow forecasts. The platform can identify categories trending over their limits and lets you export budget and forecast reports for your own review.
Personal Spend Management Without Affiliate-Driven Recommendations
Naxcol does not earn affiliate or lead-generation revenue for directing you toward a particular provider. The platform uses a disclosed revenue model that includes paid subscriptions, usage-based platform fees, and interchange associated with issued-card spending. This means a Naxcol recommendation is not determined by which alternative provider offers the platform an affiliate commission.

You pay for the platform directly. Naxcol explains how it makes money.

Learn Why You Can Trust Naxcol

Choose the Level of Control You Need

Naxcol has no free tier. Base, Pro, and Premium are paid from signup, supporting a model where customers pay for the platform directly rather than Naxcol relying on affiliate-driven recommendations.

Feature Base $4.99/mo + tax Pro $14.99/mo + tax Premium $19.99/mo + tax
Account aggregation & dashboard ✓ ✓ ✓
Subscription detection & alerts ✓ ✓ ✓
Automated cancellation Guided manual only ✓ ✓
Virtual cards — ✓ ✓
Savings-goal automation — ✓ ✓
Budget Tracking Suite — — ✓

Start with a 14-day free trial on any plan.

Pricing displayed is in US Dollars, for Canadian users, actual cost + tax will be converted to local currency at the point of payment

Consumer plans

14-day free trial

Monthly
Annual Save up to 33%

01 — AUDIT

Naxcol Base

$4.99/mo

  • ＋unlimited accounts
  • ＋subscription detection & alerts
  • ＋Price history monitoring
  • ＋Guided cancellation
  • ＋1 virtual card
  • ＋Additional virtual cards: $0.99/card
Start free trial

02 — PRO

Pro

$19.99/mo

  • ＋Everything in Base
  • ＋Unlimited cards
  • ＋Automated cancellation, when available
  • ＋Savings-goal automation
  • ＋Spend control features

 

Start free trial

03 — HOUSEHOLD

Premium

$39.99/mo

  • ＋Everything in Pro
  • ＋Budget Tracking Suite (Shared)
  • ＋financial management suite
  • ＋Spend controls across members
  • ＋6 seats, unlimited accounts
  • ＋Additional seats: $4.99/mo per seat
Start free trial
The annual pricing reflects the 20% discount.

Base — $4.99/Month + Tax

Start with account aggregation, your categorized dashboard, subscription detection and alerts, and guided manual cancellation. Base includes up to 3 connected accounts, with additional connected accounts billed at $1.00 per account/month.

Choose Base

Pro — $14.99/Month + Tax

Add automated cancellation where supported, savings-goal automation, and virtual cards for personal use. Pro includes 6 connected accounts and 5 active virtual cards. Usage beyond those allowances costs $1.00 per additional account/month and $0.75 per additional active card/month.

Choose Pro

Premium — $19.99/Month + Tax

Get everything in Pro plus the Budget Tracking Suite, including category and envelope budgets, cash-flow forecasting, savings-goal tracking, and multi-account rollups. Premium includes 10 connected accounts and 10 active virtual cards, with the same additional account and active-card rates as Pro.

Choose Premium

Pricing is in USD for the US market and CAD for the Canadian market, plus applicable tax.

Know Your Usage Before It Affects Your Bill

Your monthly subscription includes defined usage allowances. For personal plans, Naxcol meters connected accounts and, where available with your plan, active virtual cards beyond those included allowances. Subscription detection, alerts, and everyday dashboard use are never metered. You can see a live usage-to-allowance meter and receive alerts at 80% and 100% before an overage charge is applied. Additional usage is billed at the disclosed fixed rates, with no dynamic or surge pricing.

Start With Your Accounts. Build From There.

Choose a Plan
Select Base, Pro, or Premium before account creation. Naxcol does not use a free tier.
Connect Your Accounts
Connect one or more supported bank or card accounts so Naxcol can create your unified transaction view.
Review Your Initial Scan
Naxcol runs an initial 90-day transaction scan and surfaces detected recurring charges with keep/cut recommendations and the reasoning behind them.
Decide What to Keep or Cut
Review the recommendations and confirm the actions you want to take. Pro and Premium can use automated cancellation where supported, while a guided manual process remains available when needed.
See the Savings
Savings attributed to cancellations and avoided price increases are recorded and displayed through your ongoing savings dashboard.
Add Payment Controls
With Pro and Premium, issue virtual cards for personal use and apply merchant restrictions, spending caps, or validity windows to eligible payments.
Built for People Who Want Clarity Around What They Pay For

Built for People Who Want Clarity Around What They Pay For

Naxcol's B2C experience is designed for individuals managing personal subscriptions and discretionary spending who want clearer visibility into their financial activity. It brings transaction information, subscription management, payment controls, and savings visibility together without requiring you to switch banks or providers simply because another company pays an affiliate commission.

Available for Consumers in the United States and Canada

Naxcol is being launched for individual consumers in both the United States and Canada. The platform is designed around the same core personal spend management experience in both markets, with pricing listed in USD for US customers and CAD for Canadian customers.

Your Financial Data Deserves Clear Protections

Naxcol's product requirements specify TLS 1.2+ encryption in transit and AES-256 encryption at rest. Card issuance operates through a third-party issuing partner, with PCI DSS scope handled appropriately for that model. Naxcol does not sell user transaction data to third parties or share it for affiliate-driven purposes.

Naxcol's compliance roadmap is built around FINTRAC Money Services Business registration and PIPEDA requirements for handling personal financial information. It also addresses applicable Retail Payment Activities Act obligations for payment functions.

Explore Security & Compliance