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.
Free plan with unlimited accounts in any currency, Money Chat, budgets, forecast and encrypted sync. Nomad Monthly at $6.99 per month or Nomad Yearly at $59 per year (save 29% yearly). All plans billed in USD through Paddle.
Key features
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
Accounts in any currency with single Net Worth view
Money Chat for natural language transaction entry
End-to-end encrypted sync across devices
Budget income and spending with runway forecast
Scenario planning and forecasting
CSV and ZenMoney import
Local-only or Private AI options
Data export as JSON or CSV
Recovery key backup
What makes it different
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
Privacy-first design with end-to-end encryption that even the company cannot read
Designed specifically for people managing life across multiple countries and currencies
AI that respects privacy with local-only mode running in browser
No bank login required, manual entry or import only
Free plan with full workspace including encrypted sync
OpenBudget
Nomad Flow