Free covers the repeat payday budgeting routine. Pro adds reporting, exports, goals, trends, and net worth. Team gives a household one shared plan.
No card required for Free. Paid plans use secure Stripe checkout.
One payment. Full Pro features forever. No subscription, no recurring charges.
Available for new users while the lifetime offer is active.
Build repeat payday budgets without a credit card.
$0
Reporting, goals, exports, and trend tools for people who want the plan to compound.
$4/mo
$49 billed yearly
For deeper planning and records
Plan from one shared budget with your partner or household.
$7/mo
$89 billed yearly
One workspace for household money
| Feature | Free | Pro | Team |
|---|---|---|---|
| Budgets | Unlimited | Unlimited | Unlimited |
| Payday budget workflow | Core flow | Full flow + summary | Full flow + summary |
| Debt payoff planning | |||
| Wealth building projections | |||
| Emergency fund planner | |||
| Smart Allocate | |||
| Budget rollover | |||
| Quick Mode | |||
| Budget Summary dashboard | — | ||
| 50/30/20 health analysis | — | ||
| PDF, Excel & CSV export | — | ||
| Financial goals | — | ||
| Net worth tracker | — | ||
| Month-over-month trends | — | ||
| Annual overview | — | ||
| Shared budgets | — | — | |
| Invite your household | — | — | |
| Priority support | — |
Yes. The Free plan lets you create saved zero-sum budgets, use the payday workflow, plan debt, build an emergency fund, use Smart Allocate, roll over budgets, and come back with Quick Mode. No card is required to start.
Pro is for people who want the reporting layer: Budget Summary dashboard, 50/30/20 health analysis, PDF/Excel/CSV exports, financial goals, net worth tracking, month-over-month trends, annual overview, and priority support.
No. Payday Audit is a planning tool, not a bank-sync tracker. You enter your take-home income, known bills, debts, targets, and cash on hand manually, so you can build a plan without connecting a financial institution.
Payday Audit is purpose-built for income-by-income zero-sum planning. It is less about importing transactions and more about deciding what the next deposit should do before it gets spent: minimums, essentials, safety net, debt payoff, investing, goals, and real life.
Your existing budgets and data are not deleted when you downgrade. You keep access to the Free budgeting tools, while paid-only reporting, exports, and household features are unavailable until you upgrade again.
Yes. No contracts, no cancellation fees. Cancel from your account settings or the Stripe billing portal. Your plan stays active until the end of the billing period.
Team is for couples, families, or households that manage money together. It adds shared budgets, partner invitations, permissions, and one place to review the same payday plan.
Payments are processed by Stripe, the same platform used by Amazon, Google, and Shopify. We never see or store your card details.