# MyBudgetCoach review > Zero-based budgeting app that pairs each user with a human budget coach. Source: https://budgetingapps.org/apps/mybudgetcoach (researched 2026-10-13). Research-based review, not hands-on testing. ## Summary 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. ## Key facts - Website: https://www.mybudgetcoach.com/ - Price: $14.99/month; $98.99/year - Rating: 2.9/5 - Free plan: no - Free trial: 7-day free trial on Basic and Premium, 35-day trial on the yearly Full Access plan; no card required per the vendor - Platforms: Web, iOS, Android - Budgeting method: Zero-based, Expense tracking, Couples & families - Bank sync: Plaid bank sync included in the subscription (vendor FAQ); manual entry also available - Mobile apps: Native iOS app and Android app on Google Play; Play listing last updated July 8, 2025. - Import: Transaction import options in app; YNAB import not confirmed - Multiple budgets: Not confirmed - Team: MyBudgetCoach LLC (App Store seller); About page describes a small team - Privacy: Generic template policy dated July 2024; messages may be monitored for QA and visit data shared with your coach; App Store privacy label is developer-declared; no audit found ## Features - Envelope budgeting: not confirmed - Automatic bank sync: yes - Manual transaction entry: yes - Goal tracking: yes - Debt payoff tools: not confirmed - Investment tracking: no - Bill reminders: not confirmed - Reports & charts: yes - Multi-currency: not confirmed - Shared / household budgets: yes - Separate logins for shared budgets: not confirmed ## 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. ## 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 - [Vendor pricing page](https://www.mybudgetcoach.com/pricing) (retrieved 2026-10-13) - [Vendor compare page (older plan wording)](https://www.mybudgetcoach.com/compare) (retrieved 2026-10-13) - [Google Play listing](https://play.google.com/store/apps/details?id=com.mybudgetcoach.mybudgetcoach) (retrieved 2026-10-13) - [Apple App Store listing](https://apps.apple.com/us/app/mybudgetcoach/id6747732943) (retrieved 2026-10-13) - [Vendor home page](https://www.mybudgetcoach.com/) (retrieved 2026-10-13)