Pricing

Your budget. Your way to connect.

Budget by hand for free. Bring your own SimpleFIN or Lunch Flow subscription with Connected Basic. Choose Connected Premium for managed Plaid and support for all three providers.

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.

Start free. Decide about connecting later.

Manual budgeting, envelopes, goals, imports and the calendar are free for as long as you like.