Pricing
Pay for the app,
not with your data.
No ads, no data sold, no bank connection to monetise. The free tier is permanent, and the paid tiers are what fund the thing.
Plans
Free
Start budgeting and build the habit.
Free forever. No card.
Get started- Up to 10 envelopes
- Up to 50 transactions per month
- 3 recurring transactions
- 5 labels · 2 savings goals
- Track up to 2 debts
- Basic spending insights
- Achievements & streaks
- Foundational learning modules (4 of 13)
- Monthly budget periods
- Local data storage only
- 1 widget quick-add shortcut (mobile app only)
Premium
Budget without limits.
or $59.99/yr — save 28%
Start 14-day trial- Unlimited envelopes, transactions, labels & goals
- Unlimited recurring & allocation rules
- Cloud sync across devices
- Account tracking (checking, savings, credit & loans)
- Custom budget periods (weekly / biweekly)
- Unlimited debt tracking
- Spending reports & advanced insights
- Overspending monitoring & alerts
- CSV export · multi-currency · photo receipts
- All 13 learning modules
- Up to 4 widget quick-add shortcuts (mobile app only)
Ultimate
A separate, shareable workspace and the power tools.
or $89.99/yr — save 25%
Start 14-day trial- Everything in Premium, plus:
- Separate, shareable workspace — share with up to 4 others
- Bank reconciliation against statements
- Member roles, permissions & spending limits
- Purchase approval workflows
- Budget forecasting & pacing
- Smart coaching suggestions
- Net worth tracking
- Debt payoff strategies (snowball / avalanche)
- Interest projections & timelines
- PDF reports · collaborative notes
- Unlimited widget shortcuts (mobile app only)
Prices in USD. The 14-day trial applies to your first paid subscription and needs no card up front on the web.
Compare
What actually differs.
These are the limits enforced in the app, not a marketing summary of them.
| Feature | Free | Premium | Ultimate |
|---|---|---|---|
| Budgeting | |||
| Envelopes | 10 | Unlimited | Unlimited |
| Transactions per month | 50 | Unlimited | Unlimited |
| Recurring transactions | 3 | Unlimited | Unlimited |
| Savings goals | 2 | Unlimited | Unlimited |
| Budget periods | Monthly | Weekly, biweekly, monthly | Weekly, biweekly, monthly |
| Rollover between periods | Included | Included | Included |
| Tracking | |||
| Debts tracked | 2 | Unlimited | Unlimited |
| Account tracking | —Not included | Included | Included |
| Bank reconciliation | —Not included | —Not included | Included |
| Net worth | —Not included | —Not included | Included |
| Debt payoff strategies | —Not included | —Not included | Included |
| Understanding | |||
| Spending insights | Basic | Advanced | Advanced |
| Forecasting & pacing | —Not included | —Not included | Included |
| CSV export | —Not included | Included | Included |
| PDF reports | —Not included | —Not included | Included |
| Learning modules | 4 of 13 | All 13 | All 13 |
| Sync & sharing | |||
| Cloud sync | —Not included | Included | Included |
| Full data export (backup file) | Included | Included | Included |
| Shareable workspace | —Not included | —Not included | Up to 4 others |
| Roles & spending limits | —Not included | —Not included | Included |
| Approval workflows | —Not included | —Not included | Included |
Buying it
How payment works.
On the web
Card payment through Stripe. The 14-day trial starts immediately and you can cancel from the billing portal at any point during it.
On iPhone & iPad
Subscribing from the app currently opens the same secure Stripe checkout the web uses — the same prices and the same 14-day trial. Android runs in the browser for now.
Either way
Your tier is decided by our server, not by the device you happen to be holding. Buy on one, use it on all of them.
Pricing questions.
Is the free tier really free forever?
Yes. 10 envelopes, 50 transactions a month, local storage, four learning modules. No card, no expiry. It is limited, not crippled — the full envelope method works on it.
What happens when the trial ends?
You drop to Free unless you subscribe. Nothing is deleted: your envelopes and history stay on the device and stay exportable. You simply hit the Free limits again when adding new things.
Monthly or annual?
Annual is cheaper — Premium works out at $59.99 against $83.88 paid monthly, and Ultimate at $89.99 against $119.88. Monthly exists so you are not committing a year to find out.
Can I change tier later?
Yes, in both directions. Downgrading keeps your data; you just return to the lower tier’s limits for anything new.
How do I cancel?
Subscriptions bought through our checkout — on the web or from the iPhone app — cancel from the billing portal in Settings. A subscription bought as an in-app purchase would cancel through the App Store, because that is who holds it. Cancelling leaves you on the paid tier until the period you already paid for runs out.
Do you offer refunds?
For anything bought through our checkout, contact us and we will sort it out. A purchase made through Apple’s in-app purchase is refunded by Apple under its own policies — we cannot process those ourselves.
Is there a student or hardship price?
Ask. The free tier is deliberately usable for exactly this reason, but if you need a paid feature and the price is the obstacle, get in touch.
Start on Free. Upgrade if it earns it.
No card to begin, and the method works on every tier.
Never Summer Mountains · mark byzewski, CC BY 2.0
