Essential vs Premium
Choose the plan that fits your budgeting style. Both tiers offer powerful envelope budgeting—Premium adds automation with bank sync and smart bill detection.
At a Glance
See the key differences between Essential and Premium at a glance
| Feature | Essential | Premium |
|---|---|---|
| Core Budgeting | ||
| Envelope budgeting system | ||
| Smart Credit Card Protection | ||
| Unlimited accounts & categories | ||
| Category targets & Auto-Assign | ||
| Multiple spaces (separate budgets) | ||
| Transaction Management | ||
| Manual transaction entry | ||
| CSV import & export | ||
| Automatic bank sync (Plaid) | ||
| Transaction rules (auto-categorize) | ||
| Recurring Bills | ||
| Manual bill templates | ||
| Calendar view | ||
| Credit card bill tracking | ||
| Auto-bill detection (Plaid) | ||
| Smart match suggestions | ||
| Reporting & Analytics | ||
| Reports & analytics | ||
| Spending trends & insights | ||
| Net worth tracking | ||
| Dashboard widgets (all 7 types) | ||
| Support & Access | ||
| Multi-user access (up to 2 users) | ||
| Mobile-responsive web app | ||
| Email support | ||
| Priority support | ||
| Early access to new features | ||
What Makes Premium Different?
Premium builds on Essential's powerful foundation with automation, intelligence, and insights
Automatic Bank Sync
Premium OnlyConnect your bank accounts via Plaid and transactions import automatically. No more manual entry or CSV uploads.
- Daily automatic sync from 10,000+ banks
- Bank-level security with read-only access
- Save 15-20 minutes per week on data entry
Auto-Bill Detection
Premium OnlyPlaid's AI automatically discovers recurring bills from your transaction history. Never manually track bills again.
- Detects fixed and variable bills automatically
- Finds subscriptions you may have forgotten
- Predicts next occurrence dates
Smart Match Suggestions
Premium OnlyIntelligent fuzzy matching links transactions to expected bills with confidence scoring. Bulk approve in seconds.
- Fuzzy merchant name matching (90%+ accuracy)
- Confidence scores (High/Medium/Low)
- Bulk approve multiple matches at once
Which Plan Is Right For You?
Choose based on your budgeting style and automation needs
Essential is perfect if you:
- ✓Prefer manual transaction entry and full control
- ✓Use cash or banks without online access
- ✓Want powerful budgeting without bank connections
- ✓Are starting your budgeting journey
- ✓Use CSV import from your bank instead of sync
Premium is perfect if you:
- ✓Want automatic transaction import from banks
- ✓Have recurring bills to track (subscriptions, utilities)
- ✓Value time-saving automation over manual entry
- ✓Want detailed analytics and spending insights
- ✓Need bill detection to find forgotten subscriptions
Frequently Asked Questions
Can I switch between tiers?
Yes! You can upgrade from Essential to Premium anytime. Downgrading is also possible, though you'll lose access to Premium features like bank sync and auto-detection.
Do both tiers have free trials?
Yes! Both Essential and Premium offer 60-day free trials with no credit card required. Try all features risk-free before committing.
What happens to my data if I downgrade?
All your data remains intact. Manual templates, categories, and budgets work in both tiers. You'll lose access to detected bills and advanced analytics, but your core budget stays the same.
Is bank sync secure?
Absolutely. We use Plaid, the industry standard for bank connections (used by Venmo, Robinhood, and more). It's read-only access with bank-level 256-bit encryption. We never store your banking credentials.
Can I use CSV import with Premium?
Yes! Premium includes everything in Essential, so you can still manually import CSV files if you prefer, even with bank sync enabled.
How accurate is auto-bill detection?
Plaid's AI has 90%+ accuracy in detecting recurring bills. It identifies both fixed bills (same amount every time) and variable bills (utilities that change monthly).
Ready to Choose Your Plan?
Start with a 60-day free trial. No credit card required. Cancel anytime.
Questions? Check our FAQ or view detailed pricing