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MyBudgetCoach

Zero-based budgeting app that pairs each user with a human budget coach.

Visit MyBudgetCoach

Research-based review, not hands-on testing. Last researched .

Overview

MyBudgetCoach is a zero-based budgeting app for web, iOS and Android that pairs budgeting software with access to a human coach. Bank import, simple goals, net worth and basic reports are listed. Prices vary by coaching tier, and the human guidance is its main distinguishing element.

Best for: Beginners or couples who have struggled to keep a budget and want a real person guiding them.

Pros and cons

Pros

  • Human coach matched by quiz; chat is included on paid tiers.
  • Zero-based budgeting with bank import (Plaid, included in the subscription) and manual entry.
  • Couples can share one budget at one price, per a third-party review.
  • A yearly plan and free trials are listed; additional calls are priced separately.
  • Simple goals, net worth tracking and basic reports.
  • Web, iOS and Android access; Google Play listing identifies the app, although its last listed update was July 2025.

Cons

  • Basic and Premium cost $14.99 and $64.99 per month; extra coach calls range from $35–150/hour.
  • The vendor's compare page still shows older single-plan prices and mobile-website wording; current pricing page and store listings differ.
  • Net worth tracking is described as basic; investment and property tracking are not confirmed.
  • Privacy policy reviewed is dated July 2024 and discusses message QA and coach access to visit data; encryption details and independent audit were not found.
  • Small iOS review sample; no Google Play rating count was confirmed.
  • The budgeting engine is based on an open-source platform per the vendor FAQ, so the main differentiator is human coaching and the value depends on coach fit.

Features

  • Envelope budgeting not confirmed not confirmed
  • Automatic bank sync included
  • Manual transaction entry included
  • Goal tracking included
  • Debt payoff tools not confirmed not confirmed
  • Investment tracking not included
  • Bill reminders not confirmed not confirmed
  • Reports & charts included
  • Multi-currency not confirmed not confirmed
  • Shared / household budgets included
  • Separate logins for shared budgets not confirmed not confirmed

Coach matching quiz, coach chat, zero-based budget, bank import, goals, net worth, basic reports

Our review

Short version

MyBudgetCoach is a zero-based budgeting app for web, iOS and Android that pairs budgeting software with access to a human coach. Bank import, simple goals, net worth and basic reports are listed. Its distinctive element is the coaching, rather than a novel budgeting method.

Research-based profile, not hands-on testing. Refreshed on 2026-10-13 from the vendor's site, store listings and public sources. I did not sign up, start a trial or connect a bank.

What it is and what is distinct

Members are matched with a coach and can message them; live calls may cost extra depending on plan and coach. The vendor FAQ describes the budgeting platform as built on an open-source zero-based budgeting app, with bank sync through Plaid. The coaching relationship is the product's main distinct angle.

Cost

  • Basic: $14.99/month with a 7-day trial; Premium: $64.99/month with a 7-day trial.
  • Full Access: $98.99/year with a 35-day trial.
  • Additional coach calls: $35–150/hour, varying by coach. The vendor's compare page still shows older single-plan wording, so the current pricing page is the better guide; confirm checkout details before purchase.

Platforms

Available on the web and via iOS and Android store listings. The Google Play listing identifies the app and reports an update on July 8, 2025; that is the last update date visible in the listing search result. Store ratings are a small sample on iOS; no Google Play rating count was confirmed.

Privacy

The policy previously reviewed is a generic template dated July 2024; it says messages may be monitored for quality assurance and visit data may be shared with a coach. Encryption details and an independent audit were not found in the sources reviewed.

Not confirmed

Launch year, YNAB import, data export, debt payoff tools, multi-currency, investment/property tracking in net worth, encryption and audit details. Very little independent user feedback found; Reddit pages were not directly verifiable here.

Notes

A third-party review and vendor pages disagree on legacy plan details; current pricing page lists the tiers above. The vendor's compare page still describes mobile access as a saved mobile website, while iOS and Google Play store listings establish native apps. Ratings are set separately against a shared rubric.

Sources

MyBudgetCoach alternatives

Private, open-source budgeting in the browser with end-to-end encryption

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  • Expense tracking
  • Couples & families
From$4/mo

Free web-based zero-based budgeting for manual entry, installable on phones

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  • Expense tracking
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Kualia

Envelope budgeting with Plaid bank sync on web and iPhone

  • Envelope
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  • Expense tracking
From$9.99/mo