Premium pricing
Choose lifetime if you prefer no renewals
Monthmate's core budget is free: safe-to-spend, bills, and offline use. Premium reports are $3.99/month, $24.99/year, or $79.99 once. A monthly plan exists. Core planning does not require it.
What stays free
Safe-to-spend, unlimited bills, a savings target, core reports, and CSV export do not require Premium. Full reports, history, CSV import, and month-in-review are the paid set, at $3.99/month, $24.99/year, or $79.99 once. YNAB, checked 13 October 2026, is $14.99/month or $109/year.
What you get
Free to download
Start budgeting immediately — income, spending, bills, and safe-to-spend — without a paid plan.
One-time lifetime unlock
Pay once ($79.99) for full reports, history, CSV import, and month-in-review. The preview does not charge automatically. Monthly and yearly Premium are also available if you prefer.
Offline by default
Your budget lives on your device. No sync tax, no account required to start planning.
Real planning features
Safe-to-spend, bill due dates, and a monthly savings target — not just a free spreadsheet wrapper.
Subscription apps vs Monthmate
| App | Typical cost | Model |
|---|---|---|
| YNAB | $14.99/mo or $109/yr | Subscription, checked 13 Oct 2026 |
| Monthmate | Free; Premium $3.99/mo, $24.99/yr, or $79.99 lifetime | Optional subscriptions; lifetime does not renew |
See full comparisons: vs YNAB, vs Monarch, vs Rocket Money.