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Most “free” money apps are really a countdown to a paywall. Hunch is different — the core app (bank sync, budgets, net worth and spending insights) is free forever, with no credit card and no trial timer.
Popular budgeting apps run about $95–$109 a year. Hunch’s core app is free, forever.
| Feature | Hunch | YNAB | Monarch | Copilot |
|---|---|---|---|---|
| Annual price | Free | $109 | $99.99 | $95 |
| Free-forever plan | ✓ | — | — | — |
| No credit card to start | ✓ | — | — | — |
| No trial countdown | ✓ | — | — | — |
| Automatic bank sync | ✓ | Paid only | Paid only | Paid only |
| Budgets & net worth | ✓ | Paid only | Paid only | Paid only |
| Import from any bank (CSV) | ✓ | Paid only | Paid only | Paid only |
YNAB, Monarch and Copilot are trademarks of their respective owners and are not affiliated with Hunch. Prices are as publicly advertised and may change.
A few unobtrusive ads on the free plan help keep the lights on, so we can offer the core app to everyone at no cost.
Ads fund the free tier — your financial data does not. We never sell it, on any plan. Read-only bank access via Plaid.
Plus and Pro add investments, mortgage planning and more AI. Never upgrade and the core app stays free, forever.
Hunch connects to Claude, ChatGPT or another MCP-compatible assistant with a free, read-only connector — so you can ask about your real spending, budgets and net worth without opening the app. Included on every plan, including free.
Yes. The core app — bank sync, budgets, net worth and spending insights — is free forever, with no credit card and no trial timer. It’s ad-supported, and paid plans are entirely optional.
No. You can create an account and use the free plan without entering any payment details.
Yes — if you’re looking for a free budgeting app after Mint, Hunch offers automatic bank sync, budgets, spending insights and net worth tracking at no cost.
Those apps are subscription-only (roughly $95–$109 per year). Hunch’s core app is free forever and ad-supported, with optional Plus and Pro tiers if you later want investments, planning tools and more AI.
Nothing changes — the core app keeps working for free with no time limit. You only move to a paid plan if you choose to unlock extras like investments or unlimited AI.
No credit card, no trial timer. Connect a bank or import a CSV and see your money clearly.
Get started for free