Start free. Upgrade when you're ready.
The paycheck planner is free forever. Upgrade only when bank sync and AI coaching matter.
$0
forever, no card needed
- Drag-and-drop paycheck planner
- Unlimited categories and line items
- Manual transaction entry
- Manual debt list
- Up to 3 savings goals
- Monthly budget view + bill reminders
- Multi-device responsive web
$9.99
/ monthor $99/year — save $20 (17%)
- Everything in Free
- Automatic bank sync via Plaid
- Auto-categorized transactions
- Unlimited debts with snowball projections
- Unlimited savings goals + sinking-fund auto-suggest
- AI weekly spending recommendations
- Spending alerts + email reminders
- Custom reports + CSV export
- Couples / shared household
- Subscription detector
- What-if paycheck simulator
- Snapshot sharing
How we compare
Frequently asked questions
Can I cancel anytime?
Yes. Cancel from your billing portal anytime. You keep Premium access until the end of your paid period — no cliffs.
What happens to my data if I downgrade?
Your data stays safe. Premium-only features (bank sync, AI recs, debt projections) just lock until you upgrade again.
Is bank syncing secure?
We use Plaid — the same provider EveryDollar, YNAB, and Copilot use. We never see your bank password. Tokens are encrypted at rest with envelope encryption and rotated regularly.
Do you give financial advice?
No. Budget Parent is a planning tool, not a financial advisor. Our AI recommendations are informational only — not financial, tax, or investment advice.
Is there a free trial for Premium?
Yes — 14 days free, no card required to start. You'll be asked for payment info only if you choose to continue after the trial.
Join free. Upgrade when bank sync and AI make it worth it.