The Budgeting App built for the US
Plaid bank sync, permanent free plan, works offline, weekly and biweekly budgets.
The right features for how you live
Free forever, no card required
The free plan includes manual entry, offline mode, sync across your devices, and weekly, biweekly, and monthly budgets. No trial period. No credit card. Upgrade to Pro Sync when you want Plaid bank sync.
Connect your bank via Plaid
Pro Sync links your US bank accounts via Plaid, one of the most widely used bank-connection services in the US. Transactions sync automatically into a review flow where you categorise each one. Your bank credentials are never stored in the app. Access is read-only.
Works without internet
Log transactions, view your budgets, and review your categories without a connection. You only need internet to pull new transactions from Plaid or sync across devices. You can keep budgeting on the move, with no signal required.
Manual, automatic, or both
Log every transaction by hand, connect your bank via Plaid, or use both in the same book. Manual entry is on the free plan. Bank sync is an optional add-on. Both work together in the same budget.
The Budgeting App vs YNAB vs Monarch Money
| Feature | The Budgeting App | YNAB | Monarch Money |
|---|---|---|---|
| Free tier | Yes | No (34-day trial only) | No (7-day trial only) |
| Annual price (with bank sync) | $89.99 | $109/yr | $99.99/yr (Core) |
| Works offline | Yes | Partial | No native offline mode |
| Biweekly budgets | Yes, on free plan | No | No |
| Manual entry | Yes, on free plan | Yes | Yes |
YNAB and Monarch Money pricing and features are based on each provider's official pricing and help pages, last verified 3 June 2026. The Monarch Money figure is the Core plan; Monarch also offers a higher Plus tier. Competitor prices and features change over time. YNAB and Monarch Money are trademarks of their respective owners; The Budgeting App is independent and not affiliated with or endorsed by them.
Frequently asked questions
Yes, on the Pro Sync plan. US bank accounts connect via Plaid, one of the most widely used bank-connection services in the US. Transactions sync automatically and appear in a review flow where you categorise each one. Bank credentials are never stored in the app. Access is read-only.
Your bank credentials are never stored in The Budgeting App. In the US, bank connections use Plaid with read-only access, which means the app can see your transactions but can't move money or make changes to your accounts. Your budgeting data is stored in the cloud so it stays in sync across your devices, with a local copy on each device so the app works offline too.
Yes. The free plan is permanent, with no trial period and no credit card required. It includes manual entry, offline mode, sync across your devices, and weekly, biweekly, and monthly budgets. Pro Sync, which adds Plaid bank sync, is $9.99 per month or $89.99 per year. See all plans.
No. Manual transaction entry works independently of bank sync and is available on the free plan. You can log every transaction by hand, use bank sync via Plaid, or use both together. Bank sync is an optional add-on on the Pro Sync plan.
No. Device sync is part of the free plan and works across your phone, tablet, and other devices automatically. Pro Sync is a separate, optional plan, just for connecting your bank.
Yes, and it's free. Sign into the same account on both phones and your budget syncs automatically, so you both see the same transactions, categories, and balances in real time. Device sync is part of the free plan, not Pro Sync, which is the separate paid plan for connecting your bank.
Yes. The Budgeting App works fully offline. You can log transactions, view your budgets, and manage your categories without a connection. Plaid sync data is stored on your device, so you can also review previously synced transactions offline. You only need internet to pull new bank transactions or sync across devices.
It depends what you used Mint for. The Budgeting App has a permanent free plan, Plaid bank sync on the paid tier, and works offline. It's mobile-first, so there's no web app. If you used Mint mainly on a computer, budgeting on your phone will be a real change. If you used Mint on your phone, it should feel familiar, so it's worth a try.
There's no direct import from Mint. Most people start fresh, which takes about 15 minutes: set up your categories and accounts, then connect your bank via Plaid or log transactions by hand. Your old Mint history is still useful as a reference for deciding what to budget in each category.
Start budgeting for free today
Available on iOS and Android. No sign-up required.
