Private, open-source budgeting in the browser with end-to-end encryption
- Zero-based
- Expense tracking
- Couples & families
MyBudgetCoach
Zero-based budgeting app that pairs each user with a human budget coach.
Research-based review, not hands-on testing. Last researched .
Overview
MyBudgetCoach is a zero-based budgeting app for web and iOS in which each member is matched with a human coach who walks them through setup and answers questions by chat. Bank import, simple goals, net worth and basic reports are included. Prices are tiered by how much coaching is included and are much higher than software-only apps.
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 and manual entry
- Couples can share one budget at one price, per a third-party review
- Trial requires no card and the yearly tier is $98.99
- Simple goals, net worth tracking and basic reports
Cons
- Monthly coaching tiers cost $14.99 to $64.99, far above software-only apps
- Extra coach calls cost $35-150/hour and rates vary by coach
- Net worth covers liquid cash only; no investments or property
- Reviewer's bank link took over ten minutes; pricing of calls was confusing
- Android and Google Play availability not confirmed; reporting is described as basic
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 and iOS in which each member is matched with a human coach who walks them through setup and answers questions by chat. Bank import, simple goals, net worth and basic reports are included. Prices are tiered by how much coaching is included and are much higher than software-only apps.
Quick profile, not a full review. Built on 2026-09-29 from the vendor site, store listings and public sources. No hands-on testing: I did not sign up, start a trial or connect a bank.
Cost
- Basic $14.99/month; Premium $64.99/month; extra 1-on-1 calls $35-150/hour
- Full Access $98.99/year
- Trial: 7-day free trial (35 days on the yearly Full Access plan), no card required
Not confirmed
Launch year (2023 appears only in a third-party review); Android app; YNAB import; Data export; Debt payoff; Multi-currency; Privacy policy details; Latest app update after 2025-08.
Notes
Site says 'plans range $14.99-$64.99 per month' while a yearly $98.99 plan is also shown.
Ratings are set separately against a shared rubric.
MyBudgetCoach alternatives
Free web-based zero-based budgeting for manual entry, installable on phones
- Zero-based
- Expense tracking
- Forecasting
Envelope budgeting with Plaid bank sync on web and iPhone
- Envelope
- Zero-based
- Expense tracking