Free to start with all features unlocked; then Monthly, Yearly (billed yearly, most common option), or Lifetime (one-time payment). Prices set by Apple App Store and Google Play and vary by country.
Plus plan is free for beta members until 3 months after public launch; founding members who provide feedback keep Plus free for 6 months after launch.
Key features
Calculates what you can safely spend today
Budgets over any period (month, fortnight, custom)
Multiple accounts, transfers, and net worth tracking
Recurring rules for rent, salary, and subscriptions
Search and filters over every transaction
CSV export of transactions
Backup and restore via Google Drive, iCloud, or file
App lock with passcode and biometrics
Supports 165 currencies and 5 languages
All data stays on device with optional backup only
Ask questions about your money
Run what-if financial scenarios
Link bank accounts read-only
View charts and financial insights
Account alerts via text message
Available on iPhone and Android
What makes it different
No bank connection—you manually add transactions, so no credentials to share and nothing to categorize incorrectly
All data remains on your phone; nothing is uploaded without your permission
Shows what you can spend today as one clear number derived from remaining funds and days until payday
Free to start with all features unlocked; you choose whether to pay to continue adding transactions
Answers come from your own linked accounts, not generic advice
Combines answer, chart, and next step all in one place
Founding members keep Plus plan free for 6 months after launch
Ledgerly
BetterBudget