One plan.
Everything included.
You pay us. Advertisers don't. No tiers, no upsells, no “Pro” features held hostage behind a higher plan. When you pay for Verdant, you get Verdant.
Beta — Free
Invite-only while we polish the final rough edges. Every feature, no limits.
No credit card required · No auto-renewal trap
Verdant — $12 / month
One plan. Everything included. Cancel in one click.
Cheaper than YNAB ($14.99) · No data-resale business model
- Unlimited envelope categories and accounts
- Net worth tracking across every asset class
- Investment holdings with live prices
- Scheduled transactions + forecasting
- Full CSV + JSON export, any time
- No ads, no data resale, no sponsored slots
- Plaid bank sync (once approved) — optional
What we're not doing
- No "Pro" tier — everyone gets everything.
- No feature gates on the free beta.
- No dark-pattern cancellation flow.
- No auto-upgrade on renewal.
How it stacks up
Compared to the incumbents.
| Verdant | YNAB | Empower | Monarch | |
|---|---|---|---|---|
| Price / month | $12 | $14.99 | Free (upsell) | $14.99 |
| Envelope budgeting | Yes | Yes | No | Limited |
| Net worth tracking | Yes | No | Yes | Limited |
| Investment holdings | Yes | No | Yes | Limited |
| Works without bank login | Yes | Yes | Partial | No |
| Full data export | CSV + JSON | CSV | Limited | CSV |
| No ads / no data resale | Yes | Yes | No — monetizes via upsell | Yes |
Pricing current as of April 2026. Competitor details from their public pricing and privacy pages.
Common questions
Before you sign up.
Why are you charging at all?
Because "free" personal finance apps aren't. They monetize your spending data — selling it to lenders, advertisers, or data brokers. A paid subscription aligns our incentives with yours.
Why $12/month instead of a one-time price?
Markets change (Plaid, Finnhub, Neon all have per-user costs), features evolve, and we want to ship updates continuously rather than hoard them for a v2 that never comes. A lifetime plan is on the roadmap.
Can I try it before paying?
The beta is free while we finish the last round of polish. Request an invite — we review them manually during the private-beta period.
What happens if I cancel?
Your data is yours forever. Before your access ends, you can export everything to CSV or JSON. If you come back, your data is waiting.
Will there ever be a free tier?
We'd rather have one plan that does everything than two plans where the cheap one is a lead-gen funnel. If that changes, the free tier won't remove features from the paid tier.