Free vs Pro

Budget G.P.A. is free to start. Pro unlocks the full experience — Plaid bank sync, AI classification, trend analysis, PDF export, and more.

Free

$0
Free forever. No credit card.

Everything you need to start grading your budget. Set up in 2 minutes, get your GPA, and see exactly where your money goes across 5 categories.

  • Full 5-category GPA scoring
  • Letter grade & numeric score
  • Manual transaction entry
  • Up to 5 budget categories
  • Emergency fund & debt tracking
  • Basic alert notifications
  • Plaid bank sync
  • AI transaction classification
  • Custom scoring settings
  • Trend analysis & PDF export
FULL EXPERIENCE

Pro

$3.99
per month · $39.99/yr · $99.99 lifetime · $74.99 Founder (until Jun 30, 2027) · $74.99 EDU (.edu email)

Your subscription pays for two real services: Plaid (secure bank connections) and Claude AI (smart transaction classification and insights). No ads, no data selling — just the tools that make your report card work.

  • Everything in Free
  • Plaid bank connection — auto-import transactions
  • Claude AI classification — smart categorization
  • Smart alerts & notifications (22 types)
  • Trend charts & history (6-mo + YTD)
  • Monthly spending reports + PDF/CSV export
  • Emergency fund tracking
  • Custom scoring presets
  • Planned spikes (avoid penalties for one-time expenses)
  • 10 themes + 4 icon packs
  • All future updates

Feature Comparison

Side by side, feature by feature.

FeatureFreePro
Core Budgeting
5-category budget scoring
Overall GPA calculation
Manual expense logging
50/30/20 budget suggestions
Custom categories5Unlimited
What Your Subscription Pays For
Plaid bank connection (auto-import)
Claude AI transaction classification
AI-powered spending insights
Transaction classificationBasic rulesAI + learning
Financial Health
Debt-to-income ratio
Emergency fund tracking
Financial safety score
Subscription monitoringBasic+ Intel alerts
Insights & Analytics
Smart alerts & notifications
Trend charts & history
PDF & CSV export
Personalized improvement tips
Pricing
Monthly$0$3.99/mo
Annual$0$39.99/yr
Lifetime$0$99.99
Founder Lifetime LIMITED—$74.99 · until Jun 30, 2027
Lifetime EDU EDU—$74.99 · .edu email required

Questions

Common questions about plans.

Can I use Budget G.P.A. completely free?
Yes. The free plan gives you full access to budget scoring, GPA calculation, expense logging, and debt-to-income ratio. No time limits, no credit card required.
What do I get by upgrading to Pro?
Pro unlocks Plaid bank sync (auto-import transactions), Claude AI transaction classification, trend analysis (6-month + year-over-year), PDF & CSV export, custom scoring presets, subscription intelligence alerts, and unlimited budget categories.
Can I switch between plans?
Absolutely. You can upgrade, downgrade, or cancel anytime. If you downgrade to Free, you keep access to all core features — you just lose the Pro-only features like alerts, trends, and reports.
What does "Lifetime" mean exactly?
Pay $99.99 once and get Pro features forever — no recurring charges, all future updates included. Limited slots are available.
Is my data safe?
Yes — on both Free and Pro. Your financial data is encrypted end-to-end. We never sell, share, or monetize your information. Period.

Start free. Upgrade anytime.

No commitment. No credit card. Just download and start grading your budget.