Choose the Rachel Budget Assistant plan that fits your budgeting needs.

Three steps, in the order that actually works: get a free budget estimate at your income, discover your true spending once, then keep the plan moving with Rachel every month. Compare features, start with the option that fits you, and manage or cancel paid subscriptions through the Paddle customer portal.

Step 1

Free Budget Worksheet & Estimator

Enter your own numbers, see how they compare — free, no account needed.

$0free

A full worksheet where you type in your income and spending line by line
Running totals compared to healthy benchmark ranges as you type
Enter your income and let Rachel estimate a budget from common norms
Email your results privately, or download them as a PDF

Open the free worksheet

Start here

Step 2

Discovery Unlock

See your true spending and a budget built from your real numbers.

$49one-time

Build your full transaction list from CSV, PDF, OFX/QFX or a live bank sync
Rachel auto-categorizes every line, then asks you to confirm the unclear ones
Benchmark ranges for each category, measured against your real numbers
A static starting budget built from those benchmarks — yours to keep and edit

By continuing, you agree to the Rachel Budget Assistant Terms of Service and acknowledge the Privacy Policy. This is a one-time charge, not a subscription. See the Refund Policy for refund eligibility and cancellation details.

Step 3

Plan with Rachel

The ongoing account that keeps your plan on track.

$19per month

Connect income and spending accounts for live, ongoing tracking
Set goals and sinking funds that fund themselves automatically
Rachel's guidance on improving spending and increasing savings
Estimate and save for taxes due with safe-harbor planning
Alerts when spending deviates from your plan, plus weekly and monthly recaps and reports

By continuing, you agree to the Rachel Budget Assistant Terms of Service and acknowledge the Privacy Policy. Your subscription renews automatically each month unless you cancel through the Paddle customer portal. See the Refund Policy for refund eligibility and cancellation details.

Prices in US dollars. Payments and invoices are handled by our reseller, Paddle, as Merchant of Record. Cancel your monthly plan any time — see our refund policy, terms of service, and privacy policy.

Pricing questions

Can I cancel anytime?: Yes. You can cancel Plan with Rachel from Settings or through the Paddle customer portal. Cancellation stops future renewal charges, and paid access continues through the end of the current billing period.
Will I receive a refund if I cancel?: Both paid options carry a 30-day money-back guarantee. After that, cancellation stops future charges but does not provide a prorated refund for unused time. See the Refund Policy for billing-error and applicable-law details.
What happens after a free trial?: We do not currently run free trials. If we ever offer one that converts automatically to a paid subscription, the price, billing date, and cancellation method will be shown before you enroll.
Does Rachel Budget Assistant provide financial advice?: No. Rachel Budget Assistant is a budgeting and financial-organization tool. It does not provide financial, investment, legal, tax, accounting, credit-repair, or fiduciary advice.