Pricing
Less than one year of YNAB. Yours forever.
The honest model for a local-first app with a hosted sync backend: buy Pro once for life — a real one-time purchase, not a subscription in disguise — or subscribe for a few dollars a month if you'd rather not commit upfront. Either way, hosted sync is included, and full export in YNAB's own format is built in for everyone — your data is never locked in, trial or not.
Free trial
Try everything, free.
$0
Free trial45-day free trial60-day free trial90-day free trial
- –Full app, every budgeting feature — synced on all your devices
- –Hosted sync included, from day one
- –One-click YNAB import
- –Export in YNAB's own format, always — even after the trial ends
- –Read-only when the trial ends — your data stays synced and safe, never deleted
Recommended
Pro
Everything, once or monthly.
$99 · lifetime
or a small monthly subscription — cancel anytime
- –All features, unlimited devices
- –Hosted sync included (fair-use), for good — no trial clock
- –Automatic backups to your own cloud folder — iCloud Drive or Google Drive (desktop)
- –One license covers the whole household
One license covers the household. Budgets are shared; pricing isn't per-seat.
Frequently asked
- Budgets are tiny — a decade of transaction history is a few dozen megabytes of text, and the ongoing cost of hosting your sync is cents a month. That's why $99 buys a lifetime license outright — household included, sync included under fair use — and still comfortably covers years of service. Prefer not to pay upfront? A small monthly subscription unlocks the same thing; cancel anytime.
- v2, v3, and everything after keep working under your existing license — a lifetime purchase is exactly that: lifetime, and an active subscription stays current automatically. Nobody has to buy the same app twice.
- Bank auto-import means handing an aggregator your bank credentials. We don't do that, on purpose — your credentials never leave your bank, because ihab never asks for them. If you already enter transactions by hand, this isn't a gap. It's the point.
- Actual is a genuinely good open-source option. ihab's case is FX depth — native and budget currency per transaction, stored rates, drift tracking, revaluation, a currency-exposure report — plus a polished hosted sync that just works, no Docker or server to manage.
- Yes — an email and password, that's all it takes. Requiring an account is what keeps trials honest and your budget durable and synced across every device you use. No bank credentials, ever.
- It's shown here once your trial starts — length is being tuned during launch.Your trial is 45 days — fixed from the moment it starts.Your trial is 60 days — fixed from the moment it starts.Your trial is 90 days — fixed from the moment it starts.
- Your budget switches to a read-only free mode: you can still view every budget, account, and transaction exactly as it was — you just can't add or edit anything new. Nothing is ever deleted, your data stays synced and safe, and you can export everything — in YNAB's own format — anytime, trial or not. Subscribe or buy a lifetime license to keep budgeting.
- Not while you're using ihab — an account is required, so your budget syncs to our hosted database the whole time you're using it, which is what keeps it safe and available across your devices. It's still local-first: the app works offline and keeps a full copy on your device too, so the cloud copy is a safety net, not the only copy. You can delete your account and all your data at any time. If you want an extra copy outside our infrastructure, Pro adds automatic backups to your own iCloud Drive or Google Drive folder.
- If you bought the lifetime license, there's nothing to lapse — pay once, and the app keeps working for good. On the monthly subscription, letting it lapse puts the app back into the same read-only free mode as an ended trial — nothing is deleted, and resubscribing or buying lifetime picks up right where you left off. ihab is local-first, so your data already lives on your device, not just in our database; full export in YNAB's own CSV format is built in for every user, full stop, so it opens anywhere YNAB's does. Pro additionally backs up automatically, in ihab's own richer format (multi-currency native amounts, scheduled transactions, loans), to your own iCloud Drive or Google Drive folder — so walking away with everything you've entered, in a form you control, is always an option, not a hypothetical.