Pricing
Simple, honest pricing
Start free and budget by hand — upgrade when you want your banks to sync themselves.
Every plan is fully hosted and managed — nothing to install. Monthly and yearly are the same plan billed at a different cadence.
Pricing FAQ
Questions about cost
What’s the difference between the free and paid plans?
The free plan gives you the full budgeting engine — zero-based budgeting, the transparent credit-card reserve, reports, goals, reconciliation, and importing transactions from OFX/QFX/CSV files. The paid plan adds one-click Plaid bank connections that sync automatically, plus higher (or unlimited) account limits and priority support. You can budget completely for free; you upgrade when you want your banks to sync themselves.
What is the beta launch offer?
The first 100 paid subscriptions get 50% off for life while Earmarkr is in beta. The discounted price is shown on the pricing card whenever spots remain — it’s our way of thanking early users who help shape the product.
Do I have to pay to try it?
No. The free plan is genuinely usable for real budgeting — no trial clock and no card required. Upgrade to a paid plan only when you want automatic bank sync.
If I pay monthly vs. yearly, do I get different features?
No — monthly and yearly are the same paid plan, just billed at a different cadence. Yearly simply costs less per month. Pick whichever billing rhythm you prefer.
Can I cancel anytime?
Yes. Cancel whenever you like — you keep access through any period you’ve already paid for, and you can always drop back to the free plan.
Give every dollar a job.
Create an account and import your YNAB budget, connect a bank, or start fresh in minutes.