Meta Muse review: what it does well with money, and what it costs

Muse is Meta's personal AI agent, launched in the US on September 8, 2026. Instead of only answering questions, it works on its own computer in the cloud: it opens a browser, fills out forms and keeps working after you close the app. It comes back to you when something changes or it needs approval, such as before a purchase.

You connect it to services Meta calls Connectors, such as Gmail, Outlook and payment accounts. On September 30 Meta added more, including Slack, Notion, Dropbox and Stripe. The Verge reports Muse topped the App Store charts and reached about 600,000 daily US users within weeks, according to Apptopia.

Muse is free with a weekly usage limit. When you reach it, you can upgrade or wait for it to refresh. Power costs $20 a month for 500 million Muse tokens a week, and Maximum costs $100 a month for 3 billion.

Paid plans renew monthly on your original purchase date until you cancel, and you must be 18 or older. Meta says Muse and its plans are in limited testing and not available everywhere. TechCrunch reports you need a payment card to start, even on the free plan.

How far the free plan goes depends on the work. After a week of daily tasks, including twice-daily eBay deal searches and Gmail scans, Android Authority's reviewer used about 6% of his weekly free allowance per day. He called $20 a month good value and could not see a reason to pay $100.

Research is where Muse earns its keep. Moneywise gave it three money chores. For a flight from New York to Tunis, it returned options from $462 to $725 with a pick and the trade-offs. For an old camera bundle a local shop valued at $20, it found matching eBay sales of $220 to $225 and wrote a pricing brief. For a used Jeep listed at $24,394, it compared listings and produced a two-page negotiation sheet with an opening offer of $19,000.

Other reviewers found the same strength in ongoing tasks. Android Authority had Muse send a curated eBay deal list twice a day, and it caught an important email he had missed. The New York Times' Eli Tan connected his bank and email, used Muse for two weeks and called it "the most useful A.I. app I had ever used."

Muse also suggests tasks on its own. The Verge noticed ideas such as finding and cancelling forgotten subscriptions, and CNBC reports people using it that way after sharing bank and card statements.

Muse learns a lot about you. When The Verge's Emma Roth asked what it knew, it listed interests it had inferred from her Instagram activity, and Meta confirmed it can do that when Instagram is connected. The Verge also cites Wired reporting that Muse builds detailed profiles of friends and family.

Using your interactions to train Meta's AI is on by default. You can turn it off under Data controls, and Meta says that change also covers past interactions. Meta says Muse data is not shared with its ad systems. The Verge notes that Meta can still access the data in your Muse workspace, though Meta plans a way to block that later this year.

Security problems surfaced early. Researcher Patrick Wardle found a flaw in the Mac app that could let malware take control of the agent, which Meta has patched. An Inc. reporter found Muse had synced his Mac's Messages database without being asked. Meta now runs a bug bounty that pays up to $300,000. For the safeguards and the settings to change first, read our guide on whether Meta Muse is safe.

If you want an agent but not Meta, the main option is the startup Instinct, which is invite-only and works over text. Read our Instinct AI review, or see how our Muse vs Instinct comparison lines up access, price, purchase approvals and data policies.

If you mainly want to track spending and subscriptions, a budgeting app with read-only access is a smaller commitment. Our Rocket Money alternatives guide compares six by price.

If you would rather not link anything, you can find most leaks by hand with our guide to finding all your subscriptions and the Money Leak Finder.