PRICING
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MonthlyAnnual Save up to 45%
Free
Essential tools to get started with personal budgeting — no credit card required.
Free
- 1 user
- Up to 2 accounts
- Up to 5 bills
- Manual transaction entry
- Spending categories (custom & default)
- Dashboard overview
- Payment history
- Budget goals
- Plaid bank connection
- Email bill reminders
- AI spending analysis
- Spending & income analytics
- Household groups
- Priority support
Most Popular
Personal
Full-featured budgeting for individuals who want complete financial clarity.
$7.99/mo
- 1 user
- Unlimited accounts
- Unlimited bills
- Manual transaction entry
- Spending categories (custom & default)
- Dashboard overview
- Payment history
- Budget goals
- Plaid bank connection
- Auto transaction import (Plaid)
- Bank sync history
- Email bill reminders
- AI receipt scanning
- AI spending analysis
- Spending & income analytics
- Household groups
- Priority support
Household
Complete household finance management for couples and families.
$14.99/mo
- Up to 5 members
- Unlimited accounts per member
- Unlimited bills
- Manual transaction entry
- Spending categories (custom & default)
- Dashboard overview
- Payment history
- Budget goals
- Plaid bank connection
- Auto transaction import (Plaid)
- Bank sync history
- Email bill reminders
- AI receipt scanning
- AI spending analysis
- Spending & income analytics
- Household groups (up to 5 members)
- Shared accounts & bills
- Priority support
Valcentra Personal at $7.99/mo is 47% cheaper than YNAB ($14.99/mo) with comparable features. Household at $14.99/mo matches YNAB's price but adds multi-user support, household groups, and AI analysis.
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