Know what your cards will report before they report it
Stage
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Founded
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Based in
US
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Pricing model
Freemium
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Pricing
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.
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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
Projects reported utilization before each statement closes
Learns each card's statement cycle from its own history
Counts recurring charges committed before the close
Per-card utilization thresholds with push alerts
Close date alerts a few days beforehand
Tracks recurring subscription charges
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
Counts recurring charges that will post before statement close
Built around statement close, not payment due date
Connects through Plaid without storing login credentials
OpenBudget
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