Pricing

YNAB charges ~$15/month for envelopes. Muna’s core ledger — assign dollars, track spending, move money — stays £0.

No predatory surprise

Pricing is here before you sign up. Free forever means accounts, budgets, Ready to Assign, reports, and CSV import — not a teaser that dies after a trial. Plus and Intelligence are optional future layers, not a wall in front of money in / money out.

Free forever

£0

Built for people who cannot afford a budgeting subscription while they are fixing their budget.

  • • Unlimited accounts
  • • Expense + income tracking
  • • Envelopes with Ready to Assign
  • • Move money between budgets
  • • Daily recommended spend
  • • CSV import (no bank password)
  • • Reports & PDF export
  • • Transaction search + clear/unclear
  • • Cloud sync when signed in
  • • No ads. No daily Premium popup. No trial card trap.
  • • Full history CSV/PDF — not capped at 365 days
Start free — no card

Plus

Monthly or annual

Optional deeper tools later — never required to track spending or assign dollars.

  • • Priority insights
  • • Credit management polish
  • • Financial Health Score extras
  • • Advanced coaching
  • • Early access tools
Choose Plus

Intelligence

Coming Soon

Advanced AI planning when it is honest and worth paying for — not gated basics.

  • • AI financial analysis
  • • Cash-flow forecasting
  • • Decision Maker
  • • Debt optimisation
  • • Personalised recommendations
  • • Statement analysis
Notify me later

If you are trying to get out of debt, you should not have to rent a spreadsheet.