Pricing
One price. Every feature.
Every plan includes all features. No upsells, no feature gates. Start with a 34-day free trial — no credit card required.
Monthly
Flexible. Cancel anytime.
- All features included
- Bank sync options (Plaid or SimpleFIN)
- Unlimited envelopes
- Reports & exports
Annual
Save 17% vs monthly
That's $3.33/month. Less than a coffee.
- Everything in Monthly
- 2 months free
- Lock in your price
- Support indie software
Lifetime
Limited — first 500 members only
Pay once. Budget forever. After 500 spots fill, Annual becomes the ongoing option.
- Everything. Forever.
- All future updates
- Never pay again
- Early supporter perks
Optional bank sync: the Plaid add-on is $3/month or $30/year (free during your trial; not included in Lifetime, which can add it separately), or use SimpleFIN for $1.50/month or $15/year paid directly to SimpleFIN. Manual entry and OFX/QFX import are always free.
“It costs less than half the price, and at least for now there's a “pay once and own forever” option for less than the annual price of the competition.”
“Coming from YNAB, I was looking for something more affordable that still did envelope budgeting right. EnvelopeBudget delivers.”
How We Compare
| App | Monthly | Annual | Lifetime | Bank Sync |
|---|---|---|---|---|
| EnvelopeBudget | $4 | $40 | $60 | ✅ |
| YNAB | $14.99 | $109 | — | ✅ |
| EveryDollar | $17.99 | $79.99 | — | ✅ (paid only) |
| Monarch | — | $99.99 | — | ✅ |
| Goodbudget Premium | $10 | $80 | — | ✅ (Premium, US only) |
Common Questions
Do I need a credit card to start the trial?
Nope. Sign up with just your email and start budgeting immediately. You get 34 days to try everything before deciding.
What's included in every plan?
Everything. Unlimited envelopes, reports, Excel/JSON exports, mobile apps, and all future features. Bank sync is optional: the Plaid add-on ($3/month or $30/year) or SimpleFIN ($1.50/month or $15/year, paid to SimpleFIN). There are no feature tiers — every paying customer gets the full experience.
Is the lifetime deal really $60?
Yes — just $20 more than a single year. It's our way of rewarding early supporters. This offer is limited to the first 500 members. Once those spots fill, Annual ($40/year) becomes the standard long-term option.
Can I switch plans later?
Of course. Start monthly and upgrade to annual or lifetime whenever you're ready. Your data stays exactly the same.
What is SimpleFIN?
SimpleFIN is a privacy-focused bank connection service. It lets EnvelopeBudget automatically import your transactions without storing your bank credentials. SimpleFIN charges a small separate fee — $1.50/month or $15/year — we don't mark it up. Prefer a connection we manage? The Plaid bank sync add-on is $3/month or $30/year (free during your trial).
No credit card required. No commitment. Just better budgeting.
Already on your free trial? Choose your EnvelopeBudget plan.
