A budgeting and financial planning app that shows where your money is headed, not just where it went.
Connect your bank to AI and get real answers
Stage
Not given
Not given
Founded
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Based in
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US
Pricing model
Freemium
Freemium
Pricing
Free plan with 2 saved projections; Flan Plan with unlimited projections and shared planning features.
Base: $5/month billed annually or $9.95/month billed monthly. Investor: $8.25/month billed annually ($99/year) or $12.95/month billed monthly. Both include a 7-day free trial.
Key features
Visual financial timelines up to 30 years on Flan Plan
Projection-first budgeting approach
Goals and debt payoff planning
Shared projections with partners
Multiple saved scenarios to compare what-ifs
Onboarding walkthrough for new users
Actionable insights
Ask Claude, ChatGPT, or any MCP client about spending, budgets, and balances
10,000+ US bank connections via Plaid
Automatic transaction categorization with user-defined rules
Auto-sync transactions to Google Sheets and Excel
Track cards, loans, balances, APRs, and due dates
Split mixed purchases into budget categories
Connect investment and retirement accounts
Scheduled check-ins and recurring tasks via AI
What makes it different
Projects your financial future forward instead of only tracking past spending
Works without bank account linking, focusing on planning rather than transaction tracking
Designed for both individuals and couples with shared planning capabilities
No data stored on servers; credentials stay with Plaid and money never moves through OpenBudget
One subscription with everything included; no ads or data selling
Automatic spreadsheet sync with no manual CSV exports
Flan
OpenBudget