Personal Finance · pricing
Credit Karma pricing
Credit Karma publishes a single tier. Below is what it costs, what it covers, and how that compares with the personal finance tools listed alongside it.
As of 30 August 2026, Credit Karma pricing is free. Figures are the vendor's list prices as recorded on this page's last check; the vendor's site is the final word.
- Entry price
- Free
- Model
- Freemium
- Tiers
- 1
- Free tier
- Yes
Credit Karma plans, side by side
Every published tier in ascending order of price, with the number of features each one lists. An absence here means the record does not itemise it, not that the tier lacks it.
| Plan | Price | Features listed | Step up from the tier below |
|---|---|---|---|
| Free | Free | 3 | Entry tier |
Where Credit Karma stops being free
Free, Free
- Credit score monitoring
- Credit reports
- Personalized recommendations
No paid tier on record
Credit Karma lists a free tier and no priced tier above it in the record we hold.
What the product covers
The full Credit Karma feature record, grouped as the catalogue groups it. This is the product as a whole; the record does not map every feature onto a specific tier.
Other
- Free credit score
- Credit report monitoring
- Credit card recommendations
- Tax filing
Integrations
- Credit bureaus
- Financial institutions
Platform
- Web support
- IOS support
- Android support
People bring Credit Karma in for monitoring a credit score and the factors affecting it for free, comparing credit card and loan offers with approval odds, filing federal tax returns at no charge. If that is not the job you are buying for, the alternatives to Credit Karma are worth a look before you commit to a tier.
How that compares in Personal Finance
Too few personal finance tools in this directory publish a starting price to quote a meaningful median, so the table below is a like-for-like list rather than a ranking.
| Tool | Entry price | Model | Rated | Head to head |
|---|---|---|---|---|
| Credit Karma (this page) | Free | freemium | - | |
| Monzo | Free | Free core current account; paid Plus and Premium tiers add features | - | vs Credit Karma |
| Revolut | Free | Free standard tier; paid plans add higher limits, insurance and perks | - | vs Credit Karma |
| Strands | On request | quote | - | vs Credit Karma |
| Affirm | Free | Free for short Pay in 4 plans; longer plans carry a disclosed APR up to roughly 36 percent, merchant pays a transaction fee | - | vs Credit Karma |
| Firefly III | Free | Open source, no licence fee | - | vs Credit Karma |
| Lunch Money | $60/year | Pay what you want, annual, above a published minimum | - | vs Credit Karma |
Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the Credit Karma badges page.
Before you pay for Credit Karma
Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.
What it can tell you is the shape of the ladder: a single tier at Free. Because there is a free tier, the cheapest way to answer the rest is to use it before paying anything.
Credit Karma runs on web, ios, android, and is published by Intuit of San Jose, California. The full record is on the Credit Karma review, and the rest of the category is under best personal finance tools.
Credit Karma pricing questions
- How much does Credit Karma cost?
- Credit Karma publishes a single tier, Free, at Free.
- Does Credit Karma have a free plan?
- Yes. The Free tier costs nothing and covers credit score monitoring, credit reports, personalized recommendations.
- Which personal finance tools can I use without paying?
- 6 of the 8 personal finance tools listed alongside Credit Karma have a free tier: Monzo, Revolut, Affirm, Firefly III, Starling Bank.
- What am I actually paying for with Credit Karma?
- The record lists 9 features across 3 areas: other, integrations, platform. In practice it is brought in for monitoring a credit score and the factors affecting it for free, comparing credit card and loan offers with approval odds, filing federal tax returns at no charge.
- Does Credit Karma charge per user?
- The record carries a price and a billing period for each of its 1 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
- Are these Credit Karma prices current?
- They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
- What should I compare Credit Karma against before paying?
- The closest personal finance tools in this directory are Monzo, Revolut, Strands, Affirm. Each has a side-by-side comparison with Credit Karma covering price, platforms and features.