Free vs Pro

Budget G.P.A. is free to start. Pro unlocks the full experience — smart alerts, trend tracking, monthly reports, and more.

Free

$0
Free forever. No credit card.

Everything you need to start grading your budget. Set up in 2 minutes, get your GPA, and see exactly where your money goes across 5 categories.

  • 5-category budget scoring
  • Overall GPA calculation
  • Manual expense logging
  • Debt-to-income ratio
  • 50/30/20 budget suggestions
  • Smart alerts & notifications
  • Trend charts & history
  • Monthly reports
  • Emergency fund tracking
  • Personalized tips
  • Subscription monitoring
FULL EXPERIENCE

Pro

$3.99
per month · $39.99/yr · $99.99 lifetime

Your subscription pays for two real services: Plaid (secure bank connections) and Claude AI (smart transaction classification and insights). No ads, no data selling — just the tools that make your scorecard work.

  • Everything in Free
  • Plaid bank connection — auto-import transactions
  • Claude AI classification — smart categorization
  • Smart alerts & notifications (22 types)
  • Trend charts & history (6-mo + YTD)
  • Monthly spending reports + PDF/CSV export
  • Emergency fund tracking
  • Custom scoring presets
  • Planned spikes (avoid penalties for one-time expenses)
  • 10 themes + 4 icon packs
  • All future updates

Feature Comparison

Side by side, feature by feature.

FeatureFreePro
Core Budgeting
5-category budget scoring
Overall GPA calculation
Manual expense logging
50/30/20 budget suggestions
Custom categories5Unlimited
What Your Subscription Pays For
Plaid bank connection (auto-import)
Claude AI transaction classification
AI-powered spending insights
Transaction classificationBasic rulesAI + learning
Financial Health
Debt-to-income ratio
Emergency fund tracking
Financial safety score
Subscription monitoring
Insights & Analytics
Smart alerts & notifications
Trend charts & history
Monthly spending reports
Personalized improvement tips
Pricing
Monthly$0$3.99/mo
Annual$0$39.99/yr
Lifetime$0$99.99

Questions

Common questions about plans.

Can I use Budget G.P.A. completely free?
Yes. The free plan gives you full access to budget scoring, GPA calculation, expense logging, and debt-to-income ratio. No time limits, no credit card required.
What do I get by upgrading to Pro?
Pro unlocks smart alerts (so you know before you overspend), trend charts (see your GPA over time), monthly reports, emergency fund tracking, personalized tips, subscription monitoring, and unlimited custom categories.
Can I switch between plans?
Absolutely. You can upgrade, downgrade, or cancel anytime. If you downgrade to Free, you keep access to all core features — you just lose the Pro-only features like alerts, trends, and reports.
What does "Lifetime" mean exactly?
Pay $99.99 once and get Pro features forever — no recurring charges, all future updates included. Limited slots are available.
Is my data safe?
Yes — on both Free and Pro. Your financial data is encrypted end-to-end. We never sell, share, or monetize your information. Period.

Start free. Upgrade anytime.

No commitment. No credit card. Just download and start grading your budget.