Pricing

One plan. Everything included.

Start with a 30-day free trial — budgeting, monthly cash plan, debt payoff, bank sync, and reports. No feature gates, no surprise add-ons.

Monthly

30-day trial

$12.99 / month

Billed monthly after your free trial ends

Full app access during trial
Cancel anytime before renewal
Flexible month-to-month billing

Start free trial

Best value

Annual

30-day trial

$89.99 / year

~$7.50/mo · Save ~$66/yr

Same features as monthly
Save vs paying month-to-month
One payment, full year of access

Start free trial

One plan, full access

Monthly and annual include the same features — pick the billing cycle that fits you.

No ads or upsells

Your subscription is the product. No premium tiers hiding the good stuff.

Built for real cash flow

Plan income and bills together, see what is left for categories, and stay on track through the month.

A full financial toolkit

Everything in Budget Before Broke — organized the way you actually manage money.

Budgeting & planning

A guided monthly plan — not just a spreadsheet of targets.

3-step monthly plan: Income & Bills, Categories, Act
Fund bills around pay dates with a cash-flow timeline
Category targets with auto-allocate and month health insights
Week and month bill views with mark-paid tracking
Customizable dashboard widgets

Accounts & transactions

Automatic sync plus manual control when you need it.

Secure bank sync powered by Plaid
Manual accounts for cash and offline tracking
Transaction import and categorization
Category rules for automatic tagging
Search and filter across all accounts

Debt payoff

Pick a strategy and watch your debt-free date move.

Snowball and Avalanche calculators
Debt-free date projections
Side-by-side strategy comparison
Track multiple debts in one place
Visual payoff progress over time

Reports & insights

Charts and trends that make your money make sense.

Spending trends and category breakdowns
Net worth tracking over time
Cash flow and income vs expense charts
Month-over-month comparisons
Export-friendly views for your records

Trial vs subscribed

Explore the full app on trial. Unlock unlimited bank sync when you subscribe.

FeatureTrialSubscribed

All budgeting & planning tools

Debt payoff calculator & reports

Manual accounts & transactions

Connected bank accounts1 accountUnlimited

Automatic transaction sync

Quick summary

Budget planner & customizable dashboard
Monthly cash plan (income, bills, categories, Act)
Debt payoff calculator (Snowball & Avalanche)
Transaction categorization & reports
Net worth tracking
1 bank account on trial · unlimited when subscribed

Frequently asked questions

Straight answers before you start your trial.

When am I charged?

You get a full 30-day free trial on either plan. We only charge after the trial ends — on the monthly or annual cycle you chose at sign-up.

Can I cancel anytime?

Yes. Cancel from billing settings before your next renewal and you will not be charged again. You keep access through the end of your current period.

What is the difference between monthly and annual?

Same features, same trial — annual just costs less over the year. Pay monthly for flexibility, or annual for the best value.

What can I do during the free trial?

Everything except unlimited bank connections. You can explore the full app with one linked account, plus unlimited manual accounts and transactions.

Is my bank data secure?

Bank connections go through Plaid — the same infrastructure used by major financial apps. Credentials are never stored on our servers, and data is encrypted in transit and at rest.

Will my price go up if rates change later?

If you are an active subscriber when we adjust pricing, you keep your current rate. New prices apply only to new sign-ups.

Try everything free for 30 days

Budget planner, monthly cash plan, debt payoff, and reports — see your full financial picture before you pay a cent.

Start your free trial