Free vs Pro

Budget G.P.A. is free to start. Pro unlocks the full experience — Plaid bank sync, AI classification, trend analysis, PDF export, 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 all your categories.

  • Full 5-category GPA scoring
  • Letter grade & numeric score
  • Manual transaction entry
  • Up to 13 budget categories
  • Savings goals with targets & dates
  • "This Month's Fixes" — top 3 actions to raise your grade
  • Emergency fund & debt tracking
  • Basic alert notifications
  • Plaid bank sync
  • AI transaction classification
  • Custom scoring settings
  • Trend analysis & PDF export
FULL EXPERIENCE

Pro

$3.99
per month · $39.99/yr · $99.99 lifetime · $74.99 Founder (until Jun 30, 2027) · $74.99 EDU (.edu email)

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 report card 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 categories13Unlimited
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
Debt tracking with live balances
Debt payoff tools (payoff dates, avalanche/snowball, impact simulation)
One-time expense tagging (excused from scoring)
Multiple income sources
Emergency fund tracking
Savings goals (targets, dates & contribution tracking)
Financial safety score
Subscription monitoring
Insights & Analytics
"This Month's Fixes" — top 3 actions to raise your grade
Smart alerts & notificationsCore alertsAll 19 alerts
Trend charts & history3-month6-mo, YTD, YoY
PDF & CSV exportCSVPDF + CSV
Per-category score drilldowns
Pricing
Monthly$0$3.99/mo
Annual$0$39.99/yr
Lifetime$0$99.99
Founder Lifetime LIMITED—$74.99 · until Jun 30, 2027
Lifetime EDU EDU—$74.99 · .edu email required

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 Plaid bank sync (auto-import transactions), Claude AI transaction classification, trend analysis (6-month + year-over-year), PDF & CSV export, custom scoring presets, subscription intelligence alerts, and unlimited budget 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.

 App Store  Google Play
Coming soon to iOS and Android.