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
Tag spending as Required, Optional or Impulsive
Spend nudges when opening Swiggy, Amazon, Uber and 12 other apps
Monthly budget with category limits
Spending score from 0 to 100
Recurring payments tracker with reminders
Bill splitting
Optional bank SMS tracking
Left for today calculation
No bank login or UPI PIN required
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
Asks why you spent, not just what
Screenshot recognition runs on your phone, never uploaded
Completely free with no ads or subscriptions
Real-time nudges when opening spending apps
Zero-based budgeting with automatic Not allocated category
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
Spenrol
OpenBudget