ReadyCentsBudget clearly,
sync only if you want to.
ReadyCents is a calm, zero-based budget you can run entirely by hand. Import from YNAB or a CSV, share a household budget, and add affordable bank sync the day you actually want it. Or self-host and own the whole thing.
A complete budget on day one. No bank connection required.
Everything here works on the free plan, by hand. Sync is something you add later, not a wall you hit on signup.
Manual transactions Free
Add income and spending in seconds. Fast keyboard entry, no account linking, no waiting.
YNAB import Free
Bring your YNAB budget and history across and keep going where you left off.
CSV & bank-file import Free
Drop in a CSV or downloaded bank file and map columns once. Great when you'd rather not connect at all.
Category groups with envelopes Free
Organize the way you actually think. Group categories, nest them, and fund envelopes. Budget by group or by single envelope.
Goals & containers Free
Set goals on any envelope, and view containers that group related envelopes together so you can watch progress in one place.
One personal & one household budget Free
For those times when you like having a household budget but also need a personal one of your own. Both are included free.
Pick an accent and the whole budget recolors. Light or dark, your call.
Every way to get transactions in.
Manual entry is free forever. When you want automatic imports, connect the provider that fits — the prices above already cover them.
Type it yourself
Manual entry plus YNAB and CSV import. Zero accounts linked, total privacy.
Budget-friendly sync
Connect your own SimpleFIN token for automatic bank transactions at the lowest cost.
Brokerage & more
Pull in accounts SimpleFIN and Plaid don’t reach, including investment balances.
Widest coverage
Thousands of banks, handled end to end by ReadyCents. Included with Plus and Business.
The parts that make a budget actually stick.
Groups, envelopes, goals and containers
Give every dollar a job. Organize categories into groups, fund envelopes, and let smart rollover keep overspending inside its envelope instead of quietly eating next month.
- Budget by category group or single envelope
- Goals with clear progress on every envelope
- Containers group the envelopes you want, and stay easy to edit
- Overspend rolls over and you stay in control. Last month's notes roll over too
One shared budget, without the crossed wires
Run a household budget alongside your personal one and switch between them in a tap. Invite a partner, set roles, and keep joint money joint.
- Personal and household budgets included free
- Owner and partner roles for collaboration
- Fast switcher keeps the two cleanly separate
See your cash flow before it happens
Scheduled inflows and outflows laid across the month, with your projected balance day by day. You always know what's landing and when, so you're never guessing what's safe to spend.
- Scheduled inflows and outflows on a calendar
- Projected cash flow through the month
Patterns you can act on, not a wall of numbers
See income against spending, watch category health, and track progress month over month. Plain, honest signals, with no shame attached.
- Spending patterns and trends
- Category health at a glance
A payoff plan and a path to financial independence
See exactly where your debt stands and when it clears, then look further out with a FIRE plan that projects your savings rate toward independence. Clear, motivating, no shame.
- Debt insights with payoff progress and timeline
- FIRE plan projects your savings rate forward
- Watch net worth climb as balances fall
Tax-ready, when you need it
Flag deductible spending through the year and export a clean summary at tax time. A premium utility for people who'd rather not scramble in April.
- Tag deductible categories as you go
- Export a year-end report
Affordable on purpose. You only pay for sync.
Budgeting is free for good. Paid plans add bank connections and premium utilities, billed honestly.
- Manual budgeting
- YNAB import
- CSV / bank-file import
- 1 personal + 1 household budget
- Groups, envelopes, goals, containers
- Everything in Free
- Plaid sync, up to 3 institutions
- All premium features
- Ends on its own — no auto-renewal
- Hosted, synced everywhere
- Your own SimpleFIN connection
- All premium non-Plaid features
- Tax page & insights
- Everything in Basic
- ReadyCents-managed Plaid
- Widest bank coverage
- All premium features
- Everything in Cloud Plus
- Business-grade tax tracking
- Deductibles & year-end summaries
- Business budget beside personal
- Commercial self-host license
- Your own SimpleFIN sync
- Data stays entirely yours
- No resale, redistribution or white-label
The questions worth asking up front.
Start budgeting today. Decide on sync later.
Free forever to budget by hand. Add affordable bank sync, or self-host, the moment it's worth it to you.