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ReadyCents

Manual-first envelope budgeting with optional bank sync and a free tier

Visit ReadyCents

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

Overview

ReadyCents is a web-based envelope budgeting service where every dollar is assigned to an envelope until the amount left to budget reaches zero. Manual entry, imports, goals, a calendar and basic reports are free; paid plans add bank connections (bring-your-own SimpleFIN/Lunch Flow, or managed Plaid) plus debt payoff, rewards, retirement projections and tax tagging. A one-time self-hosted license is also sold.

Best for: People who want a manual-first envelope budget and prefer to choose (or skip) their bank-sync provider

Pros and cons

Pros

  • Manual envelope budgeting, goals, calendar and basic reports are free with no time limit and no card needed
  • Bank sync is flexible: bring your own SimpleFIN or Lunch Flow, or use managed Plaid on the top plan
  • Imports history from YNAB, CSV and bank files, and exports data on any plan
  • Self-hosted license available for a one-time $39 for people who want to run it on their own server
  • Prices are stated openly on the home page, including how the Plaid connection limit is counted

Cons

  • Only a web app is confirmed; no iOS or Android store listing was found
  • Debt payoff, credit-card rewards, retirement projections and tax tools require a paid plan
  • SimpleFIN and Lunch Flow connections require a separate paid provider account on top of the plan fee
  • Managed Plaid is capped at ten institution logins on the top plan
  • Not open source and appears to be a small, recent product with little independent coverage

Features

  • Envelope budgeting included
  • Automatic bank sync included
  • Manual transaction entry included
  • Goal tracking included
  • Debt payoff tools included
  • Investment tracking not confirmed not confirmed
  • 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

Envelopes and groups, goals, calendar with projected cash flow, reports, imports/exports, household basics, debt payoff, card rewards, FIRE projections, tax toolkit

Our review

Short version

ReadyCents is a web-based envelope budgeting service where every dollar is assigned to an envelope until the amount left to budget reaches zero. Manual entry, imports, goals, a calendar and basic reports are free; paid plans add bank connections (bring-your-own SimpleFIN/Lunch Flow, or managed Plaid) plus debt payoff, rewards, retirement projections and tax tagging. A one-time self-hosted license is also sold.

Quick profile, not a full review. Built from the vendor site, privacy policy, store searches and public sources. No hands-on testing: I did not sign up, start a trial or connect a bank.

Cost

  • Free $0; Connected Basic $3/mo; Connected Premium $9.99/mo (ten managed Plaid institution logins); Self-Hosted $39 one time.
  • SimpleFIN and Lunch Flow provider fees are paid separately. The official page also lists quarterly and annual billing schedules, but those prices were not visible in the retrieved page text.
  • Optional $5 one-time 60-day Access Pass for connected features; no automatic renewal. Free manual budgeting has no trial clock and needs no card.

Not confirmed

Mobile apps; founding year; multi-currency support; bill reminders; developer team size; recent release cadence.

Notes

The vendor's privacy policy (updated July 17, 2026) says hosted data may be processed by service providers and that self-hosted data is under the user's control. A third-party product directory dates its listing launch to September 21, 2026; that is not a vendor-confirmed founding date. Store searches did not surface a matching iOS or Android app. Research is documentation-based, not hands-on testing.

Ratings are set separately against a shared rubric.

Sources

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