Free
$0
Up to 3 accounts in use at once, and you see ads.
A good fit if three accounts cover what you actually use. For example: checking, savings and one credit card.
Sign up freePricing
Every plan is the whole product.
Free gives you everything Simple Balance does, for three accounts you can use at once, with ads on the page. Premium takes away the limit and the ads for $3 a month or $30 a year. You can also run the whole thing yourself, for nothing.
Unlimited accounts, no ads
Premium
$3 a month, or $30 a year
As many accounts as you need, and no ads.
Anyone with more than three accounts, or anyone who would rather not see ads next to their balances.
Sign up freeRun it yourself
$0 No subscription
Everything, unlimited, with no ads.
People who already run their own software and would rather their money never left their own computer. Same product, nothing stripped out.
See how to run it yourself- No card to start, and nothing to cancel on the free plan.
- Cancel Premium yourself, from your own plan page, whenever you want.
- Stop paying and nothing is deleted. If more than three accounts are in use, you pick three to keep using and the rest stay readable.
- Your transactions leave with you, as a spreadsheet, whenever you want them.
How the three options differ.
How many accounts you can use at once, whether you see ads, who runs it, and what it costs. Everything else is the same on all three, the free plan included.
| Feature | Free | Premium | Run it yourself |
|---|---|---|---|
| Accounts you can use at onceYou keep every account you ever open, on every plan. On the free plan you choose which three you keep using, once. The rest stay readable and still count in your totals, and one can take a place when you close or delete an account you were using. | 3 | Unlimited | Unlimited |
| AdsNever on the sign-in page or the billing page, and never picked using your spending. | Yes | None | None |
| Runs on a computer you own | Not included | Not included | Included |
| What it costs | Nothing | $3 a month or $30 a year | Nothing |
In every plan, including the free one.
- A running balance beside every payment, and a record of every correction
- Every report: what you own and what you owe, what came in and what went out, and where it all went
- Budgets, with what you don’t spend carried over
- Bringing in a file from your bank, with anything that looks like a duplicate shown first
- Taking every transaction out as a spreadsheet
- Rent, payday and renewals, set up once
- Saved entries for what you record often
- One purchase split across categories
- Changing thousands of lines at once
- As many payments and as many currencies as you like
- Letting an AI assistant do the filing
- Email reminders, where there’s a mail server to send them
Questions about pricing.
Does Simple Balance connect to my bank?
Not automatically, today. Your bank lets you download a file of what you spent, the kind that opens in a spreadsheet. Drag it in and Simple Balance figures out which column is which, files the names it knows, and flags anything that looks like a payment you already have before it counts. You can also type entries in by hand, or have an AI assistant queue them up for you to approve.
Is Simple Balance really free?
Yes. The free plan has everything Simple Balance does, for up to three accounts you can use at once, with ads on the page. It isn’t a trial and nothing is stripped out, and we don’t ask for a card. Premium lets you use as many accounts as you like, and takes the ads away, for $3 a month or $30 a year.
What if I already have more than three accounts?
You keep every one of them, and you choose three to keep using. The others are frozen: still there, still complete, still counted in every balance and report you look at. You can’t add to them or change what’s in them, but you can still close the ones you no longer use. The part worth knowing before you pick is that it isn’t a switch you can flip back and forth. The choice is made once, so an account you are using stays usable until you close it or delete it, and only then can a frozen one take its place. Until you choose, up to three stay usable. If you’ve never chosen, those are your three oldest, and you can pick any three, not just those. Upgrading brings all of them back at once. If you subscribe again, your choice still stands when that plan ends, unless you opened or reopened accounts while subscribed. Then you choose again, from all of them, and until you do, the three that stay usable are the oldest of the ones you chose and the new ones.
If I close an account, does it still count?
No. Closing an account zeroes it out, drops it from your running totals and frees the place it held, so a frozen account can take that place. We keep it rather than delete it, so the history is still there. Reopening it needs a free place of its own, which is what stops the three from being cycled: you can close as many as you like, and you still can’t use more than three at a time.
What are the ads like?
Ordinary Google ads, never on the billing page or the sign-in screen. They aren’t picked from what you spend, but they can be personalized from what Google knows of your browsing. In the UK, the EEA and Switzerland, Google’s message asks for your consent before any advertising cookie is set; in US states with privacy laws, it offers a link to opt out instead. Saying no doesn’t remove the ads. It keeps them from being personalized. The privacy policy covers the rest, including what does reach Google.
How do I cancel, and will you keep charging me?
You cancel from the plan tab, and it stops at the end of the period you already paid for. No notice period, no phone call, no offer to sit through. Nothing is deleted when it ends. You go back to the free plan and keep every account you have. If more than three are in use, you pick three to keep using. You make that choice once: the rest stay readable, and one can take a place when you close or delete an account you were using.
What happens to everything I have put in if I stop paying?
You keep it. Every account, every payment and every report is still there and still adds up, and you can pull every transaction out as a spreadsheet any time, on any plan. What the free plan limits is how many accounts you can keep adding to: three, and you choose which. We never hold your own records back to keep you paying.
What is the difference between paying and running it yourself?
Where it runs, and who keeps it. The product is the same either way. Running it yourself has no plan, no limit and no ads, because there’s nobody to bill you. It really is for people who already run their own software. If that isn’t you, use our cloud app: there’s nothing to install.
Do I need to know accounting?
No. Underneath, every amount is recorded as coming from one place and going to another, which is what makes the totals add up and lets you open any number to see what it’s made of. You never have to think about it or learn what it’s called.
Do you keep a copy of what I spend?
If you use our cloud app, your records live on computers we rent for it. That’s what a cloud app is, and the privacy policy says exactly what’s stored, where, and who can get at it. Self-host it, on a computer you control, and we never see your records. Nothing about your spending is used to pick the ads. The product itself has no analytics either way, though on the free plan the ads bring Google’s script with them.
Can I move between the cloud app and my own copy later?
Yes, either way, and it’s worth knowing up front that it isn’t one button. Your transactions move, one account at a time, as spreadsheets you export from one and bring into the other. Budgets and repeating payments you set up again, and each account’s starting balance is carried over by hand, because it isn’t in the file. The guide to moving between the cloud app and your own copy has every step.