Simple, Transparent Pricing
Start free. Upgrade when you're ready. No hidden fees, no surprise charges.
Free
Essential tools to get started with personal budgeting.
- 1 user
- Up to 2 accounts
- Up to 5 bills
- Manual transaction entry
- Basic spending categories
- Dashboard overview
- Plaid bank connection
- Email bill reminders
- AI spending analysis
- Budget goals
- Household groups
- Priority support
Personal
Full-featured budgeting for individuals who want complete financial clarity.
- 1 user
- Unlimited accounts
- Unlimited bills
- Auto transaction import (Plaid)
- Full spending categories
- Dashboard overview
- Plaid bank connection
- Email bill reminders
- AI spending analysis
- Budget goals
- Household groups
- Priority support
Household
Complete household finance management for couples and families.
- Up to 5 members
- Unlimited accounts per member
- Unlimited bills
- Auto transaction import (Plaid)
- Full spending categories
- Dashboard overview
- Plaid bank connection
- Email bill reminders
- AI spending analysis
- Budget goals
- Household groups
- 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.
Test payments: use card 4242 4242 4242 4242 with any future expiry and any CVC.
Pricing FAQ
Can I switch plans at any time?
Yes. You can upgrade or downgrade your plan at any time. When upgrading, you'll be charged the prorated difference. When downgrading, the change takes effect at the end of your billing period.
Is there a free trial for paid plans?
The Free plan gives you access to core features indefinitely. Paid plans don't require a credit card to start — you can explore the app on the Free plan and upgrade when you're ready.
What happens to my data if I downgrade?
Your data is never deleted when you downgrade. If you exceed the Free plan limits (e.g., more than 2 accounts), your existing data remains visible in read-only mode until you re-upgrade.
How does annual billing work?
Annual billing is charged once per year at the discounted rate. Personal annual is $59/year (saves $37 vs monthly). Household annual is $99/year (saves $81 vs monthly).
Can I cancel anytime?
Yes. Cancel anytime from your account settings. Monthly subscriptions cancel at the end of the current billing period. Annual subscriptions are non-refundable but you retain access until the period ends.
How do I test payments?
Use test card number 4242 4242 4242 4242 with any future expiry date and any 3-digit CVC to test the checkout flow without being charged.
Start Free — Upgrade Anytime
No credit card required. Cancel anytime. Your financial command center is ready in minutes.