OpenBudget Pricing 2026
Complete pricing guide for OpenBudget — plans, costs, and free options.
💰 OpenBudget Pricing Overview
OpenBudget uses a paid pricing model. Requires a paid subscription or one-time purchase. Current pricing: Both plans start with a 7-day free trial; the vendor emails on day 6 and the subscription begins on day 7 unless cancelled. Base is $5/month billed as $60/year: up to 10 connected institutions, AI access to transactions, balances and debts, spreadsheet sync of categorized transactions to Google Sheets and Excel, and saved category rules, split charges and notes. Investor is $8.25/month billed as $99/year: up to 15 connected institutions, everything in Base, plus brokerage and retirement accounts connected through Plaid and the ability to ask about holdings, dividends, buys and sells. Bank connections are powered by Plaid and are available for United States institutions only.. OpenBudget is a popular business & finance tool known for connect 10,000+ us banks to claude, chatgpt or a spreadsheet via plaid and ask about your money in plain language, from $5/mo. You can get started with OpenBudget for free and upgrade to a paid plan as your needs grow.
ChatGPT already recommends OpenBudget. Does it recommend yours?
Before you compare plans: OpenBudget is what ChatGPT names when someone asks for a business & finance recommendation. If you build a competing tool, run a free AI-visibility scan on it — 5 prompt angles, ~30 seconds, no signup, no card.
🔍 Compare Before You Buy
See all 5 alternatives →Comparing OpenBudget to similar tools helps you make the best choice for your budget and needs:
Calm Sea
FreemiumManual-entry net worth tracker and retirement projection tool with no bank linking
Free plan + paid from $9/month
Compare with OpenBudget →Rippling
PaidAll-in-one HR, IT, and Finance automation platform.
Paid plans available
Compare with OpenBudget →BambooHR
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Paid plans available
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OpenBudget Plans & Pricing
the vendor emails on day 6 and the subscription begins on day 7 unless cancelled
Base is
billed as $60/year: up to 10 connected institutions
Investor is
billed as $99/year: up to 15 connected institutions, everything in Base, plus brokerage and retirement accounts connected through Plaid and the ability to ask about holdings, dividends, buys and sells
* Pricing information is based on publicly available data and may not reflect current promotions, annual discounts, or regional pricing. Visit the official OpenBudget website for the latest pricing.
Is OpenBudget Free?
OpenBudget offers a free tier that lets you try the platform without any payment. The free plan typically includes core features with usage limits. For power users, paid plans unlock additional features, higher limits, and priority support.
OpenBudget Feature Comparison
Here's how OpenBudget's key features are typically distributed across pricing tiers. Feature availability is estimated based on common SaaS patterns — check the official site for exact tier details.
| Feature | the vendor emails on day 6 and the subscription begins on day 7 unless cancelled | Base is | Investor is |
|---|---|---|---|
| Plaid connections to 10,000+ US banks and cards; credentials never stored, no money movement | ✓ | ✓ | ✓ |
| Works with Claude, Claude Code, ChatGPT, Codex, Cursor, Hermes and OpenClaw | ✓ | ✓ | ✓ |
| Automatic categorisation into 100+ categories with persistent per-merchant rules | ◐ | ✓ | ✓ |
| Item-level splitting of mixed purchases across budget categories | — | ✓ | ✓ |
| Automatic Google Sheets and Excel sync with no CSV exports | — | ◐ | ✓ |
✓ = Full access · ◐ = Limited · — = Not available. Feature availability is estimated and may vary.
Is OpenBudget Worth It?
OpenBudget is a premium business & finance tool that offers 5 key features including Plaid connections to 10,000+ US banks and cards; credentials never stored, no money movement, Works with Claude, Claude Code, ChatGPT, Codex, Cursor, Hermes and OpenClaw, Automatic categorisation into 100+ categories with persistent per-merchant rules. OpenBudget connects real bank, card, loan and brokerage accounts to an AI assistant so you can ask questions about your own money in plain language instead of exporting a CSV. Connections run through Plaid across more than ten thousand US institutions, credentials never touch OpenBudget's servers, and the product cannot move money — it is read and categorise only. Once connected, ChatGPT, Claude, Claude Code, Codex, Cursor, Hermes or OpenClaw can query transactions, balances, budgets, debts and trends through the OpenBudget connector, and because those assistants support recurring tasks, a weekly or monthly financial check-in can be scheduled rather than remembered. The tooling exposed to the assistant goes beyond raw transaction access: automatic categorisation into a hundred-plus categories, persistent category rules so a merchant classified once stays classified, item-level splitting of mixed purchases across budget categories, and card and loan tracking with balances, APRs, due dates and payoff options. There is also a spreadsheet path for people who would rather not leave Google Sheets or Excel — pick a sheet, map accounts to tabs, and OpenBudget keeps headers, new transactions and pending updates current automatically, with no CSV export step. The higher tier adds investment accounts, so holdings, dividends, buys and sells become answerable too. Coverage is United States institutions only, and the trial converts to a paid subscription on day seven unless cancelled, with an email warning on day six.
✅ OpenBudget is a good choice if you need:
- •Plaid connections to 10,000+ US banks and cards; credentials never stored, no money movement
- •Works with Claude, Claude Code, ChatGPT, Codex, Cursor, Hermes and OpenClaw
- •Automatic categorisation into 100+ categories with persistent per-merchant rules
- •Item-level splitting of mixed purchases across budget categories
- •Automatic Google Sheets and Excel sync with no CSV exports
💡 Value Assessment
With a free tier available, OpenBudget is an easy recommendation for anyone looking to try business & finance tools without financial commitment. The paid plans offer good value for power users who need the additional features and higher usage limits.
OpenBudget Key Features
OpenBudget comes packed with features that make it a strong contender in the business & finance space. Here's what you get:
Powered by advanced AI models, OpenBudget delivers intelligent content generation capabilities.
Available in the free plan with limits — Works with Claude, Claude Code, ChatGPT, Codex, Cursor, Hermes and OpenClaw helps you work more efficiently with OpenBudget.
Available in the free plan with limits — Automatic categorisation into 100+ categories with persistent per-merchant rules helps you work more efficiently with OpenBudget.
Available in the free plan with limits — Item-level splitting of mixed purchases across budget categories helps you work more efficiently with OpenBudget.
Available in the free plan with limits — Automatic Google Sheets and Excel sync with no CSV exports helps you work more efficiently with OpenBudget.
OpenBudget Alternatives & Their Pricing
Considering alternatives to OpenBudget? Here's how competing tools compare on pricing:
Calm Sea
FreemiumManual-entry net worth tracker and retirement projection tool with no bank linking
Pricing: Two tiers. Simple is $0/month and $0/year and includes asset projections, the loan-repayment calculators, cash-flow analysis and the contributions calculator — enough to run projections without an account upgrade, but plans are not saved. Everyday Users is $9/month or $89/year and adds saved data, so scenarios persist between sessions, plus the more complex scenario features on top of everything in the free tier. Both are billed directly by Calm Sea Technology Pty Ltd, with monthly and annual toggles on the pricing page and no separate enterprise or advisor tier published.
Rippling
PaidAll-in-one HR, IT, and Finance automation platform.
Pricing: Paid plans available
BambooHR
PaidHR software made simple for small and mid-size businesses.
Pricing: Paid plans available
Printful
FreemiumPrint-on-demand and dropshipping for custom merchandise.
Pricing: Free tier available, paid plans available
Printify
FreemiumPrint-on-demand marketplace with 80+ global print providers.
Pricing: Free tier available, paid plans available
Is OpenBudget your tool?
Claim this listing to get a Featured badge, correct the pricing on this page yourself, and stand out from the 5 alternatives listed above. All plans include a permanent dofollow backlink to your site.
Claim Now →Ready to try OpenBudget?
Visit the official website for the latest pricing and to get started.
Frequently Asked Questions
Is OpenBudget free to use?
Yes, OpenBudget offers a free tier that you can use without paying. Paid plans starting at See website unlock additional features and higher usage limits.
How much does OpenBudget cost in 2026?
As of 2026, OpenBudget pricing is: Both plans start with a 7-day free trial; the vendor emails on day 6 and the subscription begins on day 7 unless cancelled. Base is $5/month billed as $60/year: up to 10 connected institutions, AI access to transactions, balances and debts, spreadsheet sync of categorized transactions to Google Sheets and Excel, and saved category rules, split charges and notes. Investor is $8.25/month billed as $99/year: up to 15 connected institutions, everything in Base, plus brokerage and retirement accounts connected through Plaid and the ability to ask about holdings, dividends, buys and sells. Bank connections are powered by Plaid and are available for United States institutions only.. Pricing may vary based on billing cycle (monthly vs annual) and region. Visit the official OpenBudget website for the most current pricing.
What is the cheapest OpenBudget plan?
The cheapest option is the free tier. If you need premium features, the most affordable paid plan is the vendor emails on day 6 and the subscription begins on day 7 unless cancelled at See website.
What are the best alternatives to OpenBudget?
Popular alternatives to OpenBudget include Calm Sea, Rippling, BambooHR. Each offers different features and pricing structures. Compare them on AISO Tools to find the best fit for your needs and budget.
Is OpenBudget worth the price?
OpenBudget is well-regarded in the business space, offering features like Plaid connections to 10,000+ US banks and cards; credentials never stored, no money movement, Works with Claude, Claude Code, ChatGPT, Codex, Cursor, Hermes and OpenClaw, Automatic categorisation into 100+ categories with persistent per-merchant rules. Whether it's worth the investment depends on your specific needs, usage volume, and budget. The free tier lets you try it before committing to a paid plan.
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