Do I need to enter a credit card to start?
Yes, but you won't be charged until your free trial ends (2 days on Monthly, 7 days on Yearly). Cancel anytime before then and pay nothing. We use a card up front to filter out trial-cyclers, which keeps prices low for everyone else.
What happens if I cancel?
Your data is yours. We retain it for 30 days in case you change your mind, then permanently delete it. You can export everything (transactions, briefs, chat history) at any time from Settings.
How do you make money?
From subscriptions. Only. We don't sell your data, we don't take affiliate kickbacks for recommending products, we don't show ads. The thing you're paying for is the thing.
Is there a free plan?
No. Free finance apps make money by selling your data or pushing affiliate products. We're built on the opposite premise: your money, your rules. The free trial (2 days on Monthly, 7 days on Yearly) is the free version: enough time to see if Kinshi catches something useful before you commit.
What banks do you support?
Anything Plaid supports — that's 12,000+ US institutions including every major bank, most credit unions, and brokerage accounts. If your bank has online banking, it almost certainly works.
Does it work on the web too, or only iOS?
Both. The daily brief lands as a push notification on iOS and as an email on web. Insights, chat, and account management work on both surfaces, and your account is the same on either.