HunchThe free budgeting app that doesn't expire.
Budget, track spending, and see your net worth — free forever. No trial clock, no credit card. The core app never ends. Upgrade when you want more.
While they charge $100 a year...
Every major budgeting app is paid — $95–$109/year, with a short free trial. Hunch's core budgeting is free forever.
HunchFree | YNAB | Monarch | Copilot | |
|---|---|---|---|---|
| Price | Free | $109/yr | $99.99/yr | $95/yr |
| Free tier | ||||
| No credit card to start | ||||
| Any bank (Plaid + CSV) | ||||
| Net worth tracking | ||||
| Retirement planner | ||||
| AI features | ||||
| Agentic AI assistant |
Competitor pricing as of June 2026. YNAB, Monarch Money, and Copilot are independent products not affiliated with, endorsed by, or sponsored by Hunch. Their names and logos are trademarks of their respective owners, used here solely for identification.
Free, and honest about how.
The core app is supported by unobtrusive ads. A few banner ads keep the lights on so you never have to pay a subscription for budgeting. Your financial data is never sold.
Unobtrusive ads keep the core app free — no subscription, no trial clock.
We never sell your financial data. Ads are served in the app; your transactions stay private.
Go ad-free and unlock investments + more AI at any time. Cancel whenever — the free tier is always there.
Everything most people need — free.
No credit card. No trial timer. These features never expire.
- Transactions & spending categories
- Budgets, goals & net worth
- 30-day cash flow forecast
- Spending reports & alerts
- CSV import from any bank
- Bank sync via Plaid
- 5 AI requests/month
- 1 year of transaction history
- Investment portfolio tracking
- Full AI chat & categorization
- Mortgage planner
- Ad-free experience
- 2+ years of history
Free plan · No credit card · Cancel paid anytime
Common questions.
Yes. Transaction tracking, budgets, goals, net worth, spending reports, and bank sync are free with no time limit. No credit card required. The core app is free forever — ad-supported, with the option to upgrade for investments and AI.
Free forever. Start today.
No trial, no credit card. The core budgeting app never expires.
Get started for free