ReadyCents

The ReadyCents founding community

Your money.
Your kind of freedom.

Less guessing. More living. A plan that finally feels like you.
Help shape ReadyCents and make your founder plan yours for life.

From $1 USD, paid once. No recurring plan payment.

Lifetime plan access Web and mobile Your voice matters
A plan for the everydayEssentials? Covered.
ReadyCentsYour money, organized.
August 2026Budget month
Ready to budget $1,248.30
AVAILABLE$638.04
SPENT$2,496.96
EnvelopeAssignedActivityAvailable
🏠Home
Rent$1,650.00$1,650.00$0.00
Utilities$240.00$186.42$53.58
🛒Food & Living
Groceries$620.00$418.36$201.64
Dining Out$180.00$122.18$57.82
🎯Fun & Goals
Weekend Trip$325.00$0.00$325.00
Concert Tickets$120.00$120.00$0.00
9:41● ▰
August 2026⌄
Ready to Budget$1,248.30
Assign
Your essentials are covered
⌄ HomeASSIGNEDAVAILABLE
RentSpent$1,650.00$0.00
UtilitiesFunded$240.00$53.58
⌄ Food & LivingASSIGNEDAVAILABLE
GroceriesFunded$620.00$201.64
Dining OutFunded$180.00$57.82
⌄ Fun & GoalsASSIGNEDAVAILABLE
Weekend TripFunded$325.00$325.00
Concert TicketsSpent$120.00$0.00
HomeBudgetLedgerAccounts
Room for what mattersYour next adventure.

One budget. Your style. Take a closer look Illustrative data · Mobile design preview

Small beginning. Shared ambition.

There’s a place
for you here.

Two founder plans. Limited places.
Availability updates as spots are claimed.

Connected Basic
spots left / 100
Cloud Premium
spots left / 60
···founders joinedOur first community milestone: 40

A thank-you for being here early

One small payment.
A lasting part of your routine.

Choose how you connect. Both plans include the same advanced insights and Tax Toolkit.

A small price. A fresh start.
100 founder spots

Connected Basic

Your own connections. A clearer plan for your money.

$1USD · once
lifetime plan access

Checking available spots

  • Lifetime Connected Basic access
  • SimpleFIN and Lunch Flow connections
  • Advanced insights and Tax Toolkit
  • Personal, household, and business budgets

Bring your own SimpleFIN or Lunch Flow subscription. Provider fees are separate. Managed Plaid is not included.

Bank sync, taken care of
60 founder spots

Cloud Premium

Connected Premium, with bank sync taken care of.

$10USD · once
lifetime plan access

Checking available spots

  • Lifetime Connected Premium access
  • 10 managed Plaid institution logins
  • SimpleFIN and Lunch Flow connections
  • Advanced insights and Tax Toolkit

Ten managed Plaid institution logins are included. Extra Plaid capacity and your own provider subscriptions cost extra.

Getting to know ReadyCents? Explore a sample budget or start with Free.

Your next few minutes

From “where do I start?”
to your first plan.

  1. 01

    Pick your founder plan

    Review exactly what’s included and what you’ll pay.

  2. 02

    Make it yours

    Create or sign in to your account. Your plan choice stays with you.

  3. 03

    Pay securely. Start budgeting.

    Complete payment in Stripe, then return to your budget and continue setup.

THE PRODUCT EXPERIENCE

A budget that feels like yours.

Try both budget styles, explore the new reports, and see the mobile design. All amounts are illustrative.
Choose your budget color
or add your own custom color

Envelope budgeting

Give every dollar a job

Build a plan that is easy to read, easy to adjust, and entirely yours.
app.readycents.com
August 2026Budget month
Ready to budget $1,248.30
AVAILABLE$638.04
SPENT$2,496.96
EnvelopeAssignedActivityAvailable
🏠Home
Rent$1,650.00$1,650.00$0.00
Utilities$240.00$186.42$53.58
🛒Food & Living
Groceries$620.00$418.36$201.64
Dining Out$180.00$122.18$57.82
🎯Fun & Goals
Weekend Trip$325.00$0.00$325.00
Concert Tickets$120.00$120.00$0.00
9:41● ▰
August 2026⌄
Ready to Budget$1,248.30
Assign
Your essentials are covered
⌄ HomeASSIGNEDAVAILABLE
RentSpent$1,650.00$0.00
UtilitiesFunded$240.00$53.58
⌄ Food & LivingASSIGNEDAVAILABLE
GroceriesFunded$620.00$201.64
Dining OutFunded$180.00$57.82
⌄ Fun & GoalsASSIGNEDAVAILABLE
Weekend TripFunded$325.00$325.00
Concert TicketsSpent$120.00$0.00
HomeBudgetLedgerAccounts

Illustrative product preview. Mobile and redesigned reports show the upcoming experience.

Your money, organized. Your feedback, heard.

Early enough to
make a difference.

ReadyCents is being built for real budgets and real life. Join early, tell us what helps, and help guide what comes next. Your founder plan stays with your account across web and mobile.

A few good questions

Before you join.

Is this really a one-time payment?

Yes. Your chosen ReadyCents founder plan is paid once, with no monthly or annual plan renewal. Separate provider subscriptions and optional extra Plaid capacity are not included in that payment.

Which bank connections are included?

Connected Basic supports your own SimpleFIN and Lunch Flow subscriptions. Cloud Premium is the founder version of Connected Premium and also includes ten managed Plaid institution logins. A login may include several accounts at that bank.

What do the counters measure?

Each plan shows spots currently available, after paid purchases and temporary checkout holds. The community counter shows completed founder purchases. A checkout hold is not counted as a new founder, and canceled holds can make availability rise again.

Do I need to connect a bank?

No. You can enter transactions yourself or import them. Bank connections are optional, and manual budgeting is also available on Free.

What if I already have a subscription?

Founder access cannot replace an active paid plan. Manage your current subscription in Settings first. Existing founder accounts keep the access they already purchased.