How much does Accountable cost?

What is in Accountable?

Accountable is $5 a month or $40 a year, and everything the app does is in it. The whole app. Every tool, no tiers, no add-ons.

Unlimited income, expenses and savings

Quick add — type “coffee 4.50” and it is logged

The calendar — every day’s balance, and a forecast ahead

Budgets, with weekly, monthly and yearly caps

Recurring entries that book themselves

Savings projections across 14 accounts

Index-fund research and growth projections

Debt payoff planning — snowball and avalanche

Notes — the reasoning behind the numbers, kept beside them

Import from Mint, YNAB, Monzo, or any bank statement

Receipt attachments

Export everything, any time

What happens after the free trial?

You are asked to subscribe. If you do not, the account becomes read-only rather than closed: every transaction, category, income source and recurring rule stays visible on the Dashboard and in Activity, and the CSV export keeps working. Only adding and editing stop, and subscribing later picks up exactly where you left off.

Cancel before the trial ends and you are not charged. The demo needs no card at all.

The read-only state is enforced in the database rather than in the interface: the policies that decide what a lapsed account may do gate inserts and updates, and deliberately do not gate reads or deletes. Getting your data out, or deleting it for good, cannot be broken by a billing problem.

What do other budgeting apps cost?

Checked September 2026: YNAB is $109 a year, Monarch Money is $99.99 a year, Copilot Money is $95 a year. Accountable is $40 a year, or $5 a month, for everything.

YNAB: $14.99 a month, $109 a year. A budgeting method with software attached. Bank syncing included.

Monarch Money: $14.99 a month, $99.99 a year. The closest like-for-like replacement for Mint. Bank syncing included.

Copilot Money: $13 a month, $95 a year. iOS only, and the best-designed of them. Bank syncing included.

Accountable: $5 a month, $40 a year. Everything, in one plan. 30 days free first, and no bank syncing ever.

These are published list prices in US dollars for the plan each company sells as its standard tier. Prices change and promotional rates come and go, so confirm with them before deciding. Nothing here is sponsored and no link on this site is an affiliate link.

Do I need a card?

To start the free trial, yes — the 30 days are billed as a subscription that does not charge until they are up, and cancelling before then costs nothing. To look at the app, no: /demo runs on sample figures and asks for no card, no email and no account at all. The order is deliberate. You should be able to see whether this suits you before you decide anything, and you should not be able to be charged by accident.

What happens when the free trial ends?

You are asked to subscribe, and if you do not, the account becomes read-only rather than closed. Every transaction, category, income source and recurring rule you entered stays visible on the Dashboard and in Activity, and the CSV export keeps working. What stops is adding and editing. Subscribing later picks up exactly where you left off — nothing is deleted in between.

What if I subscribe and then cancel?

You keep the plan until the end of the period you have already paid for, and then the account becomes read-only in the same way. Nothing is deleted, notes you have written stay readable and deletable, and all of it is still in your export. Cancelling is one control in Settings and it does not require talking to anybody.

Is there a cheaper plan?

There is no plan below this one and none above it. There used to be two paid tiers, and splitting the app across them made it harder to explain than it was to build — a feature was either worth including or it was not, and a comparison table mostly told people to go away and think about it. One price, everything in it.