Free
$0
See usual places and usual checks across up to two linked institutions. When a spending limit matches, Lake also shows limit left and visits left.
Pricing
Lake pricing: start free, upgrade for more history.
See the pattern before you pay anything. Lake starts free, and staying free never requires a card. Want more history and unlimited institutions? Try Premium free for 30 days. No card required to start the trial.
Premium
$79/year
about $6.58/month billed annually, or $9.99/month billed monthly
30 days free, no card required. Open each habit for visit frequency, recent visits, and six months of history. Link unlimited institutions.
Premium renews annually or monthly, whichever you pick, until you cancel. Premium also includes broader insights, monthly reports, CSV export, and goal suggestions.
See my usual places
Start free, or start your 30-day Premium trial. No card required either way.
Lake is automatic from the first connection. There is no manual transaction entry and no budget to build. See how the reveal compares to a manual spreadsheet approach in our automatic spending tracker guide, or see how Lake stacks up against YNAB and Rocket Money.
Pricing questions
- Is Lake free?
- Yes. The usual-places reveal is free across up to two linked institutions, no card required.
- How much does Lake Premium cost?
- Lake Premium is $79/year (about $6.58/month) billed annually, or $9.99/month billed monthly. Both renew until you cancel.
- Is there a free trial for Premium?
- Yes. If you are on the free plan and have not used a trial, you can start 30 days of Premium from the Premium page, with no card required. When it ends, you return to the free plan unless you choose a paid plan.
- Do I need to enter transactions manually?
- No. Lake is automatic. Connect a bank or card through Plaid, and Lake finds your usual places from your existing transactions.
- Does Lake see my bank login?
- No. Lake never receives or stores your bank username or password. Connections go through Plaid, and you can unlink an institution or delete your account anytime.
- Can I cancel?
- Yes. Cancel Premium to stop it renewing. Canceling does not unlink your institutions or delete your Lake account or linked bank data. You can unlink an institution or delete your account in Settings.