ReadyCentsBudget clearly,
sync only if you want to.
ReadyCents is a calm, zero-based budget you can run entirely by hand. Import from YNAB or a CSV, share personal and household budgets safely, and choose Plaid or bring your own sync provider. Business keeps personal and business budgeting under one subscription.
A complete budget on day one. No bank connection required.
Every hosted offer includes these core tools from the beginning. Sync is available when you want it, not a requirement to start.
Manual transactions Included
Add income and spending in seconds. Fast keyboard entry, no account linking, no waiting.
YNAB import Included
Bring your YNAB budget and history across and keep going where you left off.
CSV & bank-file import Included
Drop in a CSV or downloaded bank file and map columns once. Great when you'd rather not connect at all.
Envelope groups Included
Organize the way you actually think. Group related envelopes, nest them, and fund them. Budget by group or by single envelope.
Goals & containers Included
Set goals on any envelope, and view containers that group related envelopes together so you can watch progress in one place.
Household collaboration Included
Hosted offers support up to four people total. A contributor can add transactions, delete only transactions they added, and cannot edit transactions or change the budget structure.
Pick an accent and the whole budget recolors. Light or dark, your call.
Zero-based budgeting, with the math shown.
Give every dollar you can use today a specific job. Ready to Budget reaches $0.00 when the plan is complete, not because your accounts are empty, but because the same cash cannot be promised twice.
See the cash you can plan
Budget accounts count. Off-budget tracking accounts stay in net worth until you intentionally move money in.
Assign it to envelopes
Fund bills, everyday spending, goals, savings, and card payments until every dollar has one job.
Adjust when life changes
Move money between envelopes, cover overspending, and see exactly how card debt and payment cash differ.
Every way to get transactions in.
Manual entry and imports are included with every hosted offer. For automatic imports, use included managed Plaid capacity or connect a provider account you pay for directly.
Type it yourself
Manual entry plus YNAB and CSV import, with no institution connection required.
Use your provider account
Connect your own SimpleFIN account. You pay SimpleFIN directly, and it does not consume Plaid slots.
Use your provider account
Connect your own Lunch Flow account. You pay Lunch Flow directly, and it does not consume Plaid slots.
Institution-based capacity
Each active institution login is one slot, even when that login returns several accounts. Standard sync is included in the advertised slot allowance.
The parts that make a budget actually stick.
Groups, envelopes, goals, and real-life money movement
Give every dollar a job, track reimbursements without losing the original spending context, and move money between personal, household, and business budgets when it belongs somewhere else.
- Budget by envelope group or single envelope
- Goals with clear progress on every envelope
- Containers group the envelopes you want, and stay easy to edit
- Reimbursements and transfers between budgets
- Overspend rolls over and you stay in control. Last month's notes roll over too
One shared budget, without the crossed wires
Run a household budget alongside your personal one and switch between them in a tap. Invite up to three other people and give a child or helper contributor access without handing over the budget structure.
- Up to four household people total on hosted offers
- Contributors can add transactions and delete only transactions they added, but cannot edit them
- Contributors cannot change accounts, envelopes, goals, settings, or members
- Fast switcher keeps the two cleanly separate
See your cash flow before it happens
Scheduled inflows and outflows laid across the month, with your projected balance day by day. You always know what's landing and when, so you're never guessing what's safe to spend.
- Scheduled inflows and outflows on a calendar
- Projected cash flow through the month
Patterns you can act on, not a wall of numbers
See income against spending, watch envelope health, and track progress month over month. Plain, honest signals, with no shame attached.
- Spending patterns and trends
- Envelope health at a glance
A payoff plan and a path to financial independence
See exactly where your debt stands and when it clears, then look further out with a FIRE plan that projects your savings rate toward independence. Clear, motivating, no shame.
- Debt insights with payoff progress and timeline
- FIRE plan projects your savings rate forward
- Watch net worth climb as balances fall
Personal and business budgeting in one subscription
Business includes personal, household, and business budgets together. Classify transactions, track possible deductions, and prepare tax-year summaries without claiming to calculate final tax liability.
- Business and personal classification
- Deduction tracking and tax-year summaries
- Business reports and exports
- Ten Plaid slots pooled across every budget
Five clear ways to use ReadyCents.
Start with a one-time 60-Day Access Pass, choose hosted service with managed Plaid capacity, or run ReadyCents yourself.
- Complete hosted experience for 60 days
- One managed Plaid institution login
- One payment with no automatic renewal
- Manual tools, imports, reports, goals, and collaboration
- All core and consumer budgeting tools
- Four managed Plaid institution logins
- Bring your own SimpleFIN or Lunch Flow connection
- Reimbursements and transfers between budgets
- Up to four household people with contributor access
- Everything in Cloud Basic
- Ten managed Plaid institution logins
- All consumer tools included
- Reimbursements, budget transfers, and collaboration
- Up to four household people with contributor access
- Personal, household, and business budgets in one subscription
- Ten managed Plaid slots pooled across every budget
- Business classification, reports, and exports
- Deductions, tax-year summaries, reports, and exports
- Up to four household people with contributor access
- Core budgeting license
- Customer supplies hosting, providers, and maintenance
- No ReadyCents-managed Plaid quota
- You supply provider accounts, credentials, and updates
The questions worth asking up front.
Start with the complete experience for 60 days.
The $5 access pass includes 60 days and one managed Plaid institution login with no renewal. Buying on readycents.com or Apple unlocks the same ReadyCents account on web and mobile.