Free forever for tracking expenses and subscriptions. Pro: $2.99/week or $39.99/year (approximately $3/month, saves 80%). 3-day free trial for Pro.
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
Log expenses with photo receipt scanning
Subscription tracking with renewal alerts
Automatic cheaper alternative suggestions
AI money assistant (Penny) for spending questions
Monthly spending breakdowns and insights
Price drop notifications
Subscription savings analysis
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
Spot forgotten subscriptions before they drain your budget for months
Find exact savings when switching to cheaper subscription alternatives
Ask Penny questions about spending in plain language without charts or filters
Expense logging with no manual typing via receipt photos
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
tracked.
OpenBudget