ReadyCents
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Budget clearly,
sync only if you want.

Build your month on the money already in your accounts, not the money you think is coming.

Mellow and Pebble, taking things one wobble at a time
Compare plansReadyCents Templates

Free forever on manual entry. No card required.

YOUR BUDGET, YOUR STYLE

Find your kind of clarity.

Stimulation budget with colorful envelopes and separate progress and status columns.
Minimalism budget with compact rows and progress beneath each envelope name.
Minimalism Quiet, compact, in line.Drag to compareStimulation Color, progress, personality.
How it works

It takes three moves.

01
See the cash you can plan
Budget accounts count. Off-budget tracking accounts stay in net worth until you intentionally move money in.
02
Assign it to envelopes
Fund bills, everyday spending, goals, savings, and card payments until every dollar has one job.
03
Adjust when life changes
Move money between envelopes, cover overspending, and see exactly how card debt and payment cash differ.

Connect how you want.

Bring your own
SimpleFIN
You open and pay for SimpleFIN directly, then connect it to ReadyCents. It never uses a Plaid slot.
Basic or Premium, plus provider fee
Bring your own
Lunch Flow
Same arrangement as SimpleFIN. Your own provider account, connected to ReadyCents, no Plaid slot used.
Basic or Premium, plus provider fee
Managed
Plaid
ReadyCents runs and pays for the connection. One slot is one institution login, not one account.
Ten included with Connected Premium
License
Self-hosted
Run ReadyCents on your own server under a personal license, bought once. Your data stays where you put it.
$39 one time
Manual-first

Nothing here happens without you.

Envelopes and groups
Assign every dollar a job until Ready to Budget reaches zero. Group envelopes the way you actually think about money.
Goals with progress
Monthly targets that show what is funded and what still needs covering before the month is out.
Manual entry and imports
Type transactions in, or bring history across from YNAB, CSV and bank files. Imports match what you already entered instead of duplicating it.
Calendar and reports
Scheduled inflows and outflows on a month grid, projected cash flow, and the core reports. All free.
Advanced insightsBasic & Premium
Debt payoff, credit card rewards, and retirement or FIRE projections. Income against spending and category health stay free.
Tax ToolkitBasic & Premium
Tax tagging, business classification, deduction summaries, and tax-year reporting with exports. Included with both Connected plans.

Gift ReadyCents

Give someone a little breathing room.

Send a prepaid month, quarter, or year to a friend, family member, or colleague. Their budget always stays private.

Choose the gift with Mellow and Pebble to give or redeem.

Pricing

Free to budget. Pay when you want it connected.

Manual budgeting is free forever. Connected Basic supports your own sync provider. Connected Premium includes managed Plaid. Both include advanced insights and Tax Toolkit.

Choose your Connected billing schedule

Free stays free. Self-Hosted is a one-time purchase.

Your foundation

Free

$0forever

No card needed. No trial clock.

 

A complete manual budget. Give your money a plan, at your own pace.

  • Manual budgeting and transaction entry
  • YNAB, CSV, and bank-file imports
  • Calendar, goals, basic reports, exports, and household basics
Start free
Your own connections

Connected Basic

$3/ month

Billed each month.

Your connections. More control.

Connect SimpleFIN or Lunch Flow. Provider subscriptions are paid separately. No managed Plaid.

  • Everything in Free
  • Bring your own SimpleFIN or Lunch Flow connection
  • Advanced insights and Tax Toolkit included
  • Provider subscription purchased separately
  • Managed Plaid connections are not included
Choose Connected Basic
Managed bank connections

Connected Premium

$9.99/ month

Billed each month.

All three connection providers.

Ten managed Plaid institution logins, plus your own SimpleFIN or Lunch Flow connections.

  • Automatic connections and advanced insights
  • Ten managed Plaid institution logins
  • Tax Toolkit included
  • Bring your own SimpleFIN or Lunch Flow provider
Choose Connected Premium
Your own server

Self-Hosted

$39one time

A personal license. No subscription.

 

Run ReadyCents on infrastructure you control. You provide hosting, updates, and provider accounts.

  • Core budgeting license
  • Customer supplies hosting, providers, and maintenance
  • No ReadyCents-managed Plaid quota
  • You supply provider accounts, credentials, and updates
Get a license
Try connected budgeting for $5 once.

The 60-day Access Pass includes one managed Plaid login and your own SimpleFIN or Lunch Flow connections. Provider subscriptions are separate. No automatic renewal.

Start free

Prices in USD. Review your available billing options and final price before payment.

One Plaid slot means one active institution login, not each checking, savings, credit, or loan account returned by that login. Connected Premium includes ten managed Plaid logins. Connected Basic includes your own provider connections, with no managed Plaid. SimpleFIN and Lunch Flow are bring-your-own services billed directly by those providers and never consume Plaid slots. Prices in USD.
Straight answers

The questions worth asking up front.

Start free. Decide about connecting later.

Manual budgeting, envelopes, goals, imports and the calendar are free for as long as you like. Try connected budgeting for 60 days for $5 once, with one managed Plaid login and your own SimpleFIN or Lunch Flow connection. Provider fees are separate; there is no automatic renewal.

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No card required to start.