Your Money. Your Plan. Your Way.
Start with your first budget free. When you're ready to keep planning, choose the tools and payment option that fit your life.
Free
$0
Start with my first budget.
- Your first monthly budget
- Income & expense tracking
- Planned versus actual spending
- See your remaining available funds
- Basic budgeting guidance
- Savings goals & action plans
- Sinking fund planning
- Debt payoff tools & calculators
- Net worth tracking
- Petty cash / fun money tracker
- Financial wellness quiz
- One-time AI financial plan
- Excel budget download
- Refer & earn
Essentials
$4.99
/month
Create, maintain, and understand my budget.
- Unlimited monthly budgeting
- Automatic monthly budget rollover
- Planned versus actual expense tracking
- Income tracking & budget history
- Bill Tracker with due dates
- Savings goals
- Debt payoff tools & calculators
- Net worth tracking
- Petty cash tracking
- Financial habit tracker
- Member-only budgeting resources
- Basic AI budgeting assistance
Auto-renews monthly until cancelled. Cancel anytime.
Plus
$8.99
/month
Improve my habits, reach goals, and plan with people I trust.
Everything in Essentials, plus:
- Budget Together shared budgeting (invited partner joins free)
- Paycheck planning
- Monthly Money Check-in
- 30-Day Financial Reset
- Guided savings challenges & accountability resources
- Advanced spending insights
- Personalized AI budget improvement suggestions
- Advanced AI financial planning
- Expanded savings & debt payoff scenarios
New members start with a 7-day free trial
After the trial, auto-renews until cancelled. Cancel anytime.
Premium
$14.99
/month
Prepare for big milestones and build long-term wellness.
Everything in Plus, plus:
- Homebuyer readiness budgeting tools
- Wedding & major life-event budgeting tools
- Long-term financial planning roadmaps
- Advanced AI financial wellness reviews
- Premium educational resources & planning templates
Auto-renews until cancelled. Cancel anytime.
Monthly and annual plans renew automatically until you cancel, and you can cancel anytime from your account. One-time passes never renew. Prices are in US dollars.
Essentials, one payment at a time
Essentials one-time passes give you the same tools as the Essentials monthly plan with no automatic renewal — access simply ends when the pass runs out.
30-Day Pass
$6.99
One-time payment for 30 days of Essentials. Access ends after 30 days and nothing is charged again.
3-Month Pass
$13.99
One-time payment for 3 months of Essentials. Access ends after 3 months and nothing is charged again.
Passes are a one-time payment and never renew. Access ends when the pass runs out, and you can buy another one at any time. Essentials monthly is $4.99/month and renews until you cancel.
The simple customer journey
Free — $0
Start with my first budget.
Essentials — $4.99/month
Create, maintain, and understand my budget.
Plus — $8.99/month
Improve my habits, reach goals, and plan with people I trust.
Premium — $14.99/month
Prepare for big milestones and build long-term wellness.
Compare every membership
Every paid membership includes everything in the one beneath it. Essentials ($4.99/month) covers the core budgeting tools, Plus ($8.99/month) adds shared budgeting, paycheck planning, check-ins, and the 30-Day Financial Reset, and Premium ($14.99/month) adds milestone planning for a home, a wedding, or the long term. Annual plans are available for each one.
Free
$0
Anyone who wants to see where their money goes and build a first budget.
Essentials
$4.99/month
Anyone who wants one budget they can keep, month after month.
Plus
$8.99/month
Anyone building habits, chasing goals, or budgeting with a partner.
Premium
$14.99/month
Anyone preparing for a big milestone or planning years ahead.
| Features | Free $0 | Essentials $4.99/month | Plus $8.99/month | Premium $14.99/month |
|---|---|---|---|---|
Budgeting & Tracking | ||||
| Your first monthly budget | ||||
| Unlimited monthly budgeting | ||||
| Automatic monthly budget rollover | ||||
| Budget history (prior months) | ||||
| Income & expense tracking | ||||
| Planned versus actual expense tracking | ||||
| See your remaining available funds | ||||
| Bill Tracker with due-date calendar | ||||
| Budget Together shared budgeting (invited partner joins free) | ||||
| Advanced spending insights | ||||
| Excel budget download | ||||
Goals, Debt & Planning | ||||
| Savings goals & action plans | ||||
| Sinking fund planning | ||||
| Debt payoff tools & calculators | ||||
| Debt payoff progress tracking | ||||
| Expanded savings & debt payoff scenarios | ||||
| Net worth tracking | ||||
| Petty cash / fun money tracker | ||||
| Financial wellness quiz | ||||
| Paycheck planning | ||||
| Monthly Money Check-in | ||||
| Financial habit tracker | ||||
| Member-only budgeting resources | ||||
AI Coaching & Guidance | ||||
| Basic AI budgeting assistance (one-time financial plan) | ||||
| Personalized AI budget improvement suggestions | ||||
| Unlimited AI Savings Coach conversations | ||||
| Personalized financial blueprint & export | ||||
| Advanced AI financial planning | ||||
| Advanced AI financial wellness reviews | ||||
Accountability & Community | ||||
| 30-Day Financial Reset | ||||
| Guided savings challenges & accountability resources | ||||
| Community discussions | ||||
| Live Money Circle meetings | ||||
Milestones & Long-Term Planning | ||||
| Homebuyer readiness budgeting tools | ||||
| Wedding & major life-event budgeting tools | ||||
| Long-term financial planning roadmaps | ||||
| Premium educational resources & planning templates | ||||
Free
$0
- Your first monthly budget
- Income & expense tracking
- Planned versus actual expense tracking
- See your remaining available funds
- Excel budget download
- Savings goals & action plans
- Sinking fund planning
- Debt payoff tools & calculators
- Net worth tracking
- Petty cash / fun money tracker
- Financial wellness quiz
- Basic AI budgeting assistance (one-time financial plan)
Essentials
$4.99/month
- Your first monthly budget
- Unlimited monthly budgeting
- Automatic monthly budget rollover
- Budget history (prior months)
- Income & expense tracking
- Planned versus actual expense tracking
- See your remaining available funds
- Bill Tracker with due-date calendar
- Excel budget download
- Savings goals & action plans
- Sinking fund planning
- Debt payoff tools & calculators
- Debt payoff progress tracking
- Net worth tracking
- Petty cash / fun money tracker
- Financial wellness quiz
- Financial habit tracker
- Member-only budgeting resources
- Basic AI budgeting assistance (one-time financial plan)
Plus
$8.99/month
- Your first monthly budget
- Unlimited monthly budgeting
- Automatic monthly budget rollover
- Budget history (prior months)
- Income & expense tracking
- Planned versus actual expense tracking
- See your remaining available funds
- Bill Tracker with due-date calendar
- Budget Together shared budgeting (invited partner joins free)
- Advanced spending insights
- Excel budget download
- Savings goals & action plans
- Sinking fund planning
- Debt payoff tools & calculators
- Debt payoff progress tracking
- Expanded savings & debt payoff scenarios
- Net worth tracking
- Petty cash / fun money tracker
- Financial wellness quiz
- Paycheck planning
- Monthly Money Check-in
- Financial habit tracker
- Member-only budgeting resources
- Basic AI budgeting assistance (one-time financial plan)
- Personalized AI budget improvement suggestions
- Unlimited AI Savings Coach conversations
- Personalized financial blueprint & export
- Advanced AI financial planning
- 30-Day Financial Reset
- Guided savings challenges & accountability resources
- Community discussions
Premium
$14.99/month
- Your first monthly budget
- Unlimited monthly budgeting
- Automatic monthly budget rollover
- Budget history (prior months)
- Income & expense tracking
- Planned versus actual expense tracking
- See your remaining available funds
- Bill Tracker with due-date calendar
- Budget Together shared budgeting (invited partner joins free)
- Advanced spending insights
- Excel budget download
- Savings goals & action plans
- Sinking fund planning
- Debt payoff tools & calculators
- Debt payoff progress tracking
- Expanded savings & debt payoff scenarios
- Net worth tracking
- Petty cash / fun money tracker
- Financial wellness quiz
- Paycheck planning
- Monthly Money Check-in
- Financial habit tracker
- Member-only budgeting resources
- Basic AI budgeting assistance (one-time financial plan)
- Personalized AI budget improvement suggestions
- Unlimited AI Savings Coach conversations
- Personalized financial blueprint & export
- Advanced AI financial planning
- Advanced AI financial wellness reviews
- 30-Day Financial Reset
- Guided savings challenges & accountability resources
- Community discussions
- Live Money Circle meetings
- Homebuyer readiness budgeting tools
- Wedding & major life-event budgeting tools
- Long-term financial planning roadmaps
- Premium educational resources & planning templates
AI guidance by tier: Every account, including free, can generate a one-time AI financial plan, a personalized roadmap based on your numbers and goals. Plus and Premium add the AI Savings Coach with unlimited conversations, personalized budget improvement suggestions, advanced planning, and a downloadable blueprint. The AI Savings Coach is not a human financial advisor. All AI guidance is educational and is not individualized investment, tax, or legal advice. Pretty Smart Budget is not a licensed or registered financial advisory firm or investment adviser.
Planned for Premium: Live group financial wellness workshops, group coaching sessions, and special financial education events will be added as they are scheduled. They are not included in the current membership.
See What Your Next Smart Move Could Look Like.
Plus members get unlimited access to the AI Savings Coach and a personalized financial blueprint. Here is a look at how it works, using a fictional example.
Illustrative conversation based on fictional data. Your real coach session is tailored to your actual numbers and goals.
Your Budget Is Where You Start.
Your Progress Is Why You Stay.
As your financial goals change, Pretty Smart Budget gives you a place to review your plans, track progress, and access the additional tools and guidance included in your membership.
Explore MembershipsBecause Your Financial Life
Doesn't Stand Still.
Your income, expenses, responsibilities, and financial goals can change from month to month. Pretty Smart Budget gives members an ongoing place to manage their budgets, monitor progress, review savings and debt goals, and access the guidance included in their plan.
Your Budget Evolves With You
Income, expenses, and responsibilities change from month to month. Members return to update their budget and keep it aligned with real life.
More Than a Download
A downloadable template is a starting point. An ongoing digital platform gives you a place to return, review, and adjust as your goals change.
Progress You Can Track
Monitor savings goals, debt payoff progress, paycheck planning, habit streaks, and monthly check-ins, all in one place.
Guidance at Your Level
From free budgeting tools to AI-powered guidance, live workshops, exclusive resources, and community accountability, choose the support that fits where you are.
Pretty Smart Budget provides tools and educational resources to support your personal financial planning. Financial outcomes are not guaranteed and will vary based on your individual circumstances.
Questions? We've Got Answers.
Yes. A free membership is available with the features listed on the Free plan, including budgeting, savings goals, debt calculators, and more. Create a free account to save your budget and track your progress.