Your whole financial
picture, honestly priced.
Net worth, budgets, investments, and cash flow — connected to your real accounts, starting under $2/month. We show you exactly what you pay for, down to our 30% margin. No hidden fees. No data tricks. Just your finances, clearly.
Simple tools for
real financial clarity.
Not a spreadsheet. Not a financial advisor. Just a clear, honest view of where your money goes — and what you can do about it.
Connect all your accounts
Link checking, savings, credit cards, and investment accounts from 12,000+ institutions. Transactions sync automatically the moment they settle — no manual entry, no delays.
Net worth, tracked over time
A real history chart, not just a snapshot — filter by account or account type to see exactly what's driving the trend, from a single card to your whole portfolio.
Investments, automatically tracked
Holdings, allocation, and winners & losers pulled straight from your brokerage — no spreadsheet, no manual price updates. See gains and losses against real cost basis.
See where your money actually flows
A Sankey diagram traces every dollar of income into what it became — rent, groceries, savings — this month vs. last. Nobody else in this category shows you the flow.
Subscriptions, detected automatically
We find recurring charges from billing pattern alone — same merchant, steady interval, steady amount — no bank-provided recurring data required. Know what you're really paying for.
Budgets that pace you
Set monthly limits for each category. See how much you can spend per day for the rest of the month. Get warned when you hit 80% — before you overshoot.
Bring your own AI agent
Mint a read-only API token and point Claude Desktop, Claude Code, or any MCP-speaking agent at your budgets, transactions, and net worth. It can look — it can never move money or change a budget.
Passkeys, TOTP, and real encryption
Sign in with your device's built-in security or an authenticator app — every account requires a second factor. Bank credentials are AES-256 encrypted; we can never move your money.
A real app on your phone
Native iOS and Android apps — not a wrapped webpage. Face ID unlock, push notifications for budget alerts, the same real data as the web dashboard.
Pay for what it actually costs
to keep your finances in sync.
No tiers. No “Pro” plan. One product — priced from real infrastructure costs, with our margin written into the receipt. Most users pay between $2 and $4 per month.
Your itemized receipt
Drag the slider to match your setup. The math is the price.This is how we stay independent. It pays one developer, funds new features, and keeps BarryBudget running. No other revenue stream exists.
How we keep prices this low
How we compare
At 3 banks connected| App | Price/mo | Cost breakdown | Sells data |
|---|---|---|---|
| BarryBudget | $2.54 | ✓ Full itemized | Never |
| Simplifi by Quicken | $3.99 | None | Unspecified |
| YNAB | $14.99 | None | Unspecified |
| Monarch Money | $14.99 | None | Unspecified |
Our promise to you
Mint shut down. YNAB doubled their price. Intuit turned free users into ad revenue. We built BarryBudget because we wanted a finance app we could actually trust.
30%, right in the receipt. We don't hide how we make money because we're not ashamed of it. One developer, lean infrastructure, honest markup.
We never sell, share, or hand your financial data to advertisers or data brokers. Your subscription is our only revenue — full stop. We do use Plaid to securely connect your banks, as every app in this category must; see our privacy policy for exactly what that means.
If we add AI features, they'll use your data only to serve you, in the moment. It's never used to train a model — ours or anyone else's. Period.
Passkeys and TOTP two-factor on every account. Bank credentials are AES-256 encrypted end to end. We can see your transactions — we can never move your money.
Agent Access tokens can query your budgets and transactions for an assistant like Claude — but they're incapable of moving money, editing a budget, or touching a setting. Looking is all they can ever do.
Leave any time. We refund the unused portion of your billing period, prorated to the day. No cancellation fee, no guilt trip, no dark patterns.