Simple, transparent pricing

Start free, upgrade when you're ready. No hidden fees.

Basic

$5.99/month

Perfect for individuals.

  • Text message credits: 100/mo
  • Core dashboard
  • Budgets / envelopes
  • Bills
  • Goals
  • Basic reports
RECOMMENDED

Pro

$10.99/month

Advanced budgeting + team workspace.

  • Everything in Basic
  • Text message credits: 250/mo
  • WhatsApp
  • AI categorization
  • Account management
  • IOU / bill splitting
  • Spending predictions

Max

$19.99/month

For personal finances with unlimited texting and automated receipt capture.

  • Everything in Pro
  • Text message credits: Unlimited
  • AI receipt scanning
  • Email / MMS / WhatsApp receipt intake
  • Photo attachments
  • Mileage tracking
  • Priority support

Compare Basic, Pro, and Max

Every feature in both plans — 37 rows, grouped by what you would use it for.

Full feature comparison of the BudgeFlow Basic, Pro, and Max plans
FeatureBasicProMax
Plan
Full app accessIncludedIncludedIncluded
Price$5.99/mo$10.99/mo$19.99/mo
Text message credits100/mo250/moUnlimited
WhatsAppNot includedIncludedIncluded
Everyday budgeting
Core dashboardIncludedIncludedIncluded
ExpensesIncludedIncludedIncluded
IncomesIncludedIncludedIncluded
CategoriesIncludedIncludedIncluded
Budgets / envelopesIncludedIncludedIncluded
BillsIncludedIncludedIncluded
SubscriptionsIncludedIncludedIncluded
GoalsIncludedIncludedIncluded
Budget alertsBasicAdvancedAdvanced
Accounts and money movement
Account managementNot includedIncludedIncluded
Account toolsNot includedIncludedIncluded
TransfersNot includedIncludedIncluded
Credit cardsNot includedIncludedIncluded
Total balancesNot includedIncludedIncluded
Account commands by textNot includedIncludedIncluded
Automation and AI
AI categorizationNot includedIncludedIncluded
Automatic category rulesNot includedIncludedIncluded
Forwarded bank alert loggingNot includedIncludedIncluded
Sharing and projects
ProjectsNot includedIncludedIncluded
Project tracking by textNot includedIncludedIncluded
IOU / bill splittingNot includedIncludedIncluded
Receipts and capture
Receipt captureNot includedNot includedIncluded
AI receipt scanningNot includedNot includedIncluded
Email / MMS / WhatsApp receipt intakeNot includedNot includedIncluded
Photo attachmentsNot includedNot includedIncluded
Mileage trackingNot includedNot includedIncluded
Priority supportNot includedNot includedIncluded
Insight and reporting
Basic reportsIncludedIncludedIncluded
File import / exportIncludedIncludedIncluded
Spending predictionsNot includedIncludedIncluded
Overspending warningsNot includedIncludedIncluded
Monthly WrappedNot includedIncludedIncluded
Achievements / streaksLimitedIncludedIncluded

Frequently asked questions

What is SMS budgeting?
SMS budgeting lets you log expenses by texting BudgeFlow instead of opening an app. Each message becomes a categorized transaction on your dashboard in seconds.
What counts as one SMS segment?
One SMS segment is up to 160 plain-text characters. Messages or replies with emojis or non-ASCII characters use Unicode encoding and split into 67-character segments. Plain texts that exceed 160 characters split into 153-character segments. Each segment counts against your monthly limit, even if the message arrives as one continuous text.
How much does BudgeFlow cost?
BudgeFlow Basic is $5.99/month ($60/year) and includes 100 outbound SMS segments per month. BudgeFlow Pro is $10.99/month ($110/year) and includes 250 outbound SMS segments per month plus team workspaces, shared budgets, and project tracking. BudgeFlow Max is $19.99/month ($200/year) and includes everything in Pro plus unlimited outbound SMS/WhatsApp segments and 100 receipt intakes per month with AI receipt scanning.
Is there a free trial?
Yes. Every new account starts with a 14-day free trial on the chosen Basic, Pro, or Max plan. You can explore the dashboard with sample data during the trial. SMS expense logging and budget automations are included while trialing.
Can I cancel anytime?
Yes. You can cancel your subscription from the in-app billing page at any time. You keep access until the end of your current billing period.
Do you support shared family or team budgets?
Yes. BudgeFlow Pro includes team workspaces with shared budgets, role-based access, and project tracking for couples, families, and small teams.
Does BudgeFlow work on WhatsApp?
Yes. The Pro plan includes WhatsApp messaging — log expenses, run SUMMARY, BALANCE, IOU and bill splits straight from WhatsApp with the same commands you use over SMS.