Pricing
$12 a month. Everything included.
You pay us. Advertisers don't. No tiers, no upsells, no “Pro” features held hostage behind a higher plan. When you pay for Arden, you get Arden.
Right now
Free during the founder beta — and free forever if you sign up before we launch. No credit card. No auto-renewal trap. One click to start.
What's in. What's never extra.
Included for $12
- Unlimited envelope categories and accounts
- Net worth tracking across every asset class
- Investment holdings with live prices
- Scheduled transactions + forecasting
- Full CSV + JSON export, any time
- No ads, no data resale, no sponsored slots
- Plaid bank sync (once approved) — optional, never required
What we'll never charge for
- No "Pro" tier — everyone gets everything.
- No feature gates on the free beta.
- No dark-pattern cancellation flow.
- No auto-upgrade on renewal.
How it stacks up
Compared to the incumbents.
Honest comparison. Every cell is verifiable from each competitor's own pricing and privacy pages.
| Arden | YNAB | Empower | Monarch | |
|---|---|---|---|---|
| Price / month | $12 | $14.99 | Free, upsell-funded | $14.99 |
| Envelope budgeting | Yes | Yes | No | Limited |
| Net worth tracking | Yes | No | Yes | Limited |
| Investment holdings | Yes | No | Yes | Limited |
| Works without bank login | Yes | Yes | Partial | No |
| Full data export | CSV + JSON | CSV | Limited | CSV |
| No ads, no data resale | Yes | Yes | No — monetizes via upsell | Yes |
Pricing current as of April 2026.
Common questions
Before you sign up.
- Why are you charging at all?
- Because "free" personal finance apps aren't. They monetize your spending data — selling it to lenders, advertisers, or data brokers. A paid subscription aligns our incentives with yours.
- Why $12 a month instead of a one-time price?
- Markets change (Plaid, Finnhub, Neon all have per-user costs), features evolve, and we want to ship updates continuously rather than hoard them for a v2 that never comes. A lifetime plan is on the roadmap.
- Can I try it before paying?
- The founder beta is free. Sign up, verify your email, and you're in. Everyone who joins before we launch gets Arden free, forever — even after the paid plan goes live. No credit card required.
- What happens if I cancel?
- Your data is yours forever. Before your access ends, you can export everything to CSV or JSON. If you come back, your data is waiting.
- Will there ever be a free tier?
- We'd rather have one plan that does everything than two plans where the cheap one is a lead-gen funnel. If that changes, the free tier won't remove features from the paid tier.
Free during beta. $12 after.
Sign up before we launch — Arden is free for you, forever.