See the month you're debt-free, then get there faster
Connect your bank to AI and get real answers
Stage
Not given
Not given
Founded
Not given
Not given
Based in
US
US
Pricing model
Freemium
Freemium
Pricing
Free: payoff plan, snowball or avalanche strategy, projected debt-free month, reminders. Snowballer Plus: $4.99/month or $39.99/year with 14-day free trial.
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
Snowball or avalanche debt payoff strategy
Projected debt-free month
Bank sync via Plaid
Spending tracking by typing, voice or receipt scan
Payment reminders
What-if scenario modeling
Custom payoff order
Data export
Account and data deletion
AI-generated coaching
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
Core payoff plan is completely free
Gets you to a debt-free date in about 10 seconds
Read-only bank sync that never sees your password
No budget categories or spreadsheets required
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
Snowballer
OpenBudget