Free vs Premium
Compare OneBudget's free and premium features
Free Features
OneBudget's free tier gives you a solid foundation for budgeting:
- ✅ Connect 1 bank account
- ✅ Automatic transaction importing (every 12 hours)
- ✅ Basic categorization
- ✅ Safe to Spend calculation
- ✅ Budget period tracking
- ✅ Carryover and budget modes
Premium Features
Premium unlocks the full OneBudget experience:
Unlimited Accounts
Connect all your checking, savings, and credit card accounts. Get a complete picture of your finances.
Faster Sync
Get 4-hour automatic sync (vs 12-hour on free) plus manual sync anytime you want instant updates.
AI Chat Assistant
Ask questions about your budget in plain English. Get personalized insights and recommendations.
Can I Afford This?
Real-time affordability checks for wishlist items. See exactly how a purchase would impact your budget.
Debt Tracking
Track credit cards, mortgages, and student loans. See your full financial picture including liabilities.
Priority Support
Get faster responses from our support team when you need help.
Pricing
- Free: $0/month forever
- Premium: $9.99/month or $79.99/year (save 33%)
All prices in USD. Premium subscriptions can be canceled anytime.
Which Should I Choose?
Choose Free If:
- You're just starting to budget
- You have 1 account
- You want to try OneBudget first
- Simple budgeting is enough for you
Choose Premium If:
- You have multiple accounts to connect
- You want faster, more frequent syncs
- You want AI-powered budget insights
- You need debt and liability tracking
- You want affordability checks for purchases
Upgrading to Premium
- Go to Settings → Subscription
- Tap Upgrade to Premium
- Choose monthly or annual
- Complete payment through App Store or Google Play
Money-Back Guarantee
Not satisfied with Premium? Contact us within 7 days of purchase for a full refund. No questions asked.