Budgeting and debt payoff planner with no bank linking and no data selling
Stage
Not given
Not given
Founded
Not given
Not given
Based in
US
Not given
Pricing model
Freemium
Not given
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.
Free plan: 2 accounts, 5 debts, 1 property, no card required. Home plan: $5.99/month.
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
Avalanche, snowball, or custom debt payoff order
Projected debt-free date
Financial forecasting up to ten years out
Overdraft warnings months in advance
Bank and credit card statement upload
No bank account connection required
Two-factor authentication and encryption
Consolidation offer calculator
Household sharing of financial books
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
No bank account linking – you enter numbers, not credentials
Price locked in for life – no rate increases
Reads bank statements to eliminate manual data entry
Actual debt-free date instead of vague projections
OpenBudget
The Silo