Free to budget. Pay when your bank does the typing.
Every plan counts your bills before they're charged. Plus links your bank and adds AI; Household puts everyone at home on one budget.
Yearly: 2 months free.
Free
Budget by hand, with every bill counted.
$0/ month
Free for good, no card needed
Unlimited manual accounts and transactions
Included:
- A budget with unlimited categories, subcategories, colors and emojis
- Add transactions by hand or import an Excel file
- Bills with their schedules, counted on every budget bar before they're charged
- Bill-aware pace and a per-day amount for the rest of the month
- Monthly and yearly dashboards, with four views of every month
- Manual accounts with balance history and one net balance
- Expected income and a duplicate finder
- Two-factor sign-in
Not on sale yet
Plus
RecommendedYour bank does the typing.
$5/ month
Billed $60 once a year
Link up to 3 banks
Everything in Free, plus:
- Link up to 3 banks through Plaid
- Daily automatic sync, plus whenever your bank has something new
- A review queue that fills in categories from your bills and from last time
- Transfers between your accounts found and paired for you
- Pull up to 2 years of history from your bank
- Start with AI: a starter budget built from your spending
- AI Suggest bills and AI Auto-Categorize
- Company logos on bills and accounts
Not on sale yet
Household
One budget for everyone at home.
$10/ month
Billed $120 once a year
Up to 4 people, up to 10 banks
Everything in Plus, plus:
- Up to 4 people, each with their own login
- Link up to 10 banks across the household
- One shared household budget, built top-down or bottom-up
- Each person's own share, with Household and Individual views
- Everyone chooses what the household sees of their spending
- Split cost rules for shared bills and reimbursements
- Double the daily AI allowance
- Priority email support
Not on sale yet
Compare plans
Every plan, line by line
| Feature | Free$0 / month | Plus$5 / month | Household$10 / month |
|---|---|---|---|
Budgeting | |||
| Budget categories and subcategories | Unlimited | Unlimited | Unlimited |
| Bills counted before they're charged | Included | Included | Included |
| Bill-aware pace and per-day amount | Included | Included | Included |
| Monthly and yearly dashboards | Included | Included | Included |
| Expected income | Included | Included | Included |
Transactions and banks | |||
| Add by hand and Excel import | Included | Included | Included |
| Manual accounts | Unlimited | Unlimited | Unlimited |
| Linked banks (Plaid) | Not included | Up to 3 | Up to 10 |
| Daily automatic sync | Not included | Included | Included |
| Review queue with categories filled in | Not included | Included | Included |
| Transfers found and paired | Not included | Included | Included |
| History from your bank | Not included | 2 years | 2 years |
AI (only when you ask) | |||
| Start with AI starter budget | Not included | Included | Included |
| Suggest bills and Auto-Categorize | Not included | Included | Included |
| Daily AI allowance | Not included | Standard | Double |
Household | |||
| People with a login | 1 | 1 | Up to 4 |
| Shared household budget with personal shares | Not included | Not included | Included |
| Choose what the household sees | Not included | Not included | Included |
| Split cost rules | Not included | Not included | Included |
Security and support | |||
| Two-factor sign-in | Included | Included | Included |
| Bank access encrypted, data locked to you | Included | Included | Included |
| Support | Guides | Priority email | |
Free$0 / month
Budgeting
- Budget categories and subcategoriesUnlimited
- Bills counted before they're chargedIncluded
- Bill-aware pace and per-day amountIncluded
- Monthly and yearly dashboardsIncluded
- Expected incomeIncluded
Transactions and banks
- Add by hand and Excel importIncluded
- Manual accountsUnlimited
- Linked banks (Plaid)Not included
- Daily automatic syncNot included
- Review queue with categories filled inNot included
- Transfers found and pairedNot included
- History from your bankNot included
AI (only when you ask)
- Start with AI starter budgetNot included
- Suggest bills and Auto-CategorizeNot included
- Daily AI allowanceNot included
Household
- People with a login1
- Shared household budget with personal sharesNot included
- Choose what the household seesNot included
- Split cost rulesNot included
Security and support
- Two-factor sign-inIncluded
- Bank access encrypted, data locked to youIncluded
- SupportGuides
Plus$5 / month
Budgeting
- Budget categories and subcategoriesUnlimited
- Bills counted before they're chargedIncluded
- Bill-aware pace and per-day amountIncluded
- Monthly and yearly dashboardsIncluded
- Expected incomeIncluded
Transactions and banks
- Add by hand and Excel importIncluded
- Manual accountsUnlimited
- Linked banks (Plaid)Up to 3
- Daily automatic syncIncluded
- Review queue with categories filled inIncluded
- Transfers found and pairedIncluded
- History from your bank2 years
AI (only when you ask)
- Start with AI starter budgetIncluded
- Suggest bills and Auto-CategorizeIncluded
- Daily AI allowanceStandard
Household
- People with a login1
- Shared household budget with personal sharesNot included
- Choose what the household seesNot included
- Split cost rulesNot included
Security and support
- Two-factor sign-inIncluded
- Bank access encrypted, data locked to youIncluded
- SupportEmail
Household$10 / month
Budgeting
- Budget categories and subcategoriesUnlimited
- Bills counted before they're chargedIncluded
- Bill-aware pace and per-day amountIncluded
- Monthly and yearly dashboardsIncluded
- Expected incomeIncluded
Transactions and banks
- Add by hand and Excel importIncluded
- Manual accountsUnlimited
- Linked banks (Plaid)Up to 10
- Daily automatic syncIncluded
- Review queue with categories filled inIncluded
- Transfers found and pairedIncluded
- History from your bank2 years
AI (only when you ask)
- Start with AI starter budgetIncluded
- Suggest bills and Auto-CategorizeIncluded
- Daily AI allowanceDouble
Household
- People with a loginUp to 4
- Shared household budget with personal sharesIncluded
- Choose what the household seesIncluded
- Split cost rulesIncluded
Security and support
- Two-factor sign-inIncluded
- Bank access encrypted, data locked to youIncluded
- SupportPriority email
Questions
Pricing, answered
Can I buy a plan today?
Not yet. UnderBudget is invite-only while it's being built, and invited accounts have every feature at no cost. These plans are a preview of how pricing is likely to work once sign-up opens, and the prices and limits may change before then.
Why does linking a bank cost money?
Plaid, the service that connects your bank, charges UnderBudget every month for each bank that stays linked. Budgeting by hand or from an Excel file costs almost nothing to run, so it's free.
Is AI required?
No. Bills, pace and the bills still to come all work without it. Start with AI, Suggest bills and AI Auto-Categorize only run when you click them, and only after you've agreed to send transaction descriptions and amounts to Anthropic.
What counts as a person on Household?
Anyone with their own login in your household. People without a login (a partner you split costs with, a child) don't count toward the four.
What happens if I move to a smaller plan?
The plan is that nothing you've saved is deleted: banks over the new plan's limit would stop syncing until you choose which to keep, and your transactions, bills and budget stay as they are.
Are there ads, or is my data sold?
Neither. The plans are how UnderBudget will pay for itself. The Privacy Policy lists every service that handles your data.
More on how your data is handled in the Privacy Policy.
See it before you choose
The live demo is your own copy with sample data: a budget, bills, a review queue and accounts to change as you like. No sign-up and nothing to pay.