Budgeting is free. Plus adds bank sync and planning.
The envelope budgeting method is free for as long as you use it. Free includes unlimited budgets and envelopes, the register of your transactions, reports, the cashflow forecast and its alerts, connecting your agent, and exporting your data. Plus adds automatic bank sync and the planning tools people expect from a budgeting app. On a paid plan, each bank beyond the ones included is $1.50 a month.
For comparison, YNAB is about $15 a month, and you sort every purchase yourself.
You can connect ChatGPT, Claude, or Kimi on every plan, including Free. You don’t need a card to start.
Plans
Free
$0
Up to 2 accounts that you enter by hand or import from a file, unlimited budgets and envelopes, your agent, and export. Everything the envelope method needs.
- the envelope method, with your agent included
- cashflow and its alerts
Plus
$6/ month
Automatic bank sync, goals and the long-term outlook, assets and loans, webhooks, and unlimited accounts. For one person.
- Bank sync
- Goals & Outlook
- Assets
- Webhooks
- 5 banks included
Household
$10/ month
Everything in Plus, with a second person in the budget who has their own sign-in, role, and keys.
- Bank sync
- Goals & Outlook
- Assets
- Webhooks
- A second person
- 8 banks included
Founder
$500once
Everything in Household for life, paid once and never billed again, with the founder badge.
- Bank sync
- Goals & Outlook
- Assets
- Webhooks
- A second person
- 10 banks included
- see the wall
On any paid plan, each extra bank is $1.50/mo, up to 25 banks in total. Plus and Household start with 30 days free. You pay inside the app, on Stripe’s secure checkout page.
Which plan includes cashflow
Every plan, including Free. Cashflow is Mintro’s forecast of your bank balance for every day ahead, from your bills, your paycheques, and, if you choose, your usual spending. On Free, the forecast, safe to spend before payday, Alarm and Warning amounts, alerts, the weekly digest, where to spend less, and plans all work from the two accounts you enter by hand or import. Plus adds automatic bank sync, so new transactions arrive from your bank on their own and the forecast stays current, and goals, which include the buffer that keeps a cushion of money in your account, so your balance never gets near $0.
All prices are in US dollars, plus any tax that applies.
Mintro shows no ads, never sells your data, and never moves your money.
You can export your whole budget in one click and take it with you at any time.