Pricing
Budget every dollar. From $30 a year.
Two budget plans, $30 and $75 a year. And Ember Pro for when budgeting isn't the whole story: your investments, your net worth, and a plan for what's next.
Basic Budgets
Every dollar budgeted by hand: accounts, categories, goals, recurring, splits, imports, and reconciliation. No bank sync.
Join the waitlistAdvanced Budgets
Everything in Basic, plus automatic transaction sync, so your ledger stays current without manual entry. Brokerage accounts link with balances only.
Join the waitlistEmber Pro
Investments and real estate, on the roadmap: holdings and cost basis, the investment ledger, the planner and forecasts, and your ledger open to your AI.
Join the waitlistEarly access is by invitation. Ask at hello@emberfinance.app.
The ledger, in every plan
Budgeting only works on a complete, honest record of what you have. Both budget plans start there.
Every account in one ledger
Checking and savings, credit cards, cash, loans, and mortgages, at the share you own. Add them by hand on Basic, or link them on Advanced.
Reconciled, not estimated
Imported records stay immutable, your edits live alongside, and reconciled rows lock. The balance is the bank's number.
Automatic bank sync on Advanced
Accounts at 12,000+ banks and brokerages link read-only. Brokerages sync balances on Advanced and full holdings on Pro. Your credentials never touch Ember's servers. Basic stays fully manual.
Budget periods that match your paycheck
Seven lengths: weekly, every two weeks, twice a month, monthly, quarterly, every six months, or yearly. Goals by a date or a balance, recurring transactions, splits and transfers, and imports from CSV.
Where the tiers are going
From a ledger that records what happened to a system that says what to do about it. The ledger and budgeting are in private beta today. Ember Pro, which adds investments and real estate, is on the roadmap. No dates, and the order can change.
Budget every dollar
Private betaEvery account and every kind of transaction in one keyboard-first ledger: budgets and goals, imports, splits, transfers, tags, amortization, and reconciliation that locks. Advanced adds bank sync.
Investments and net worth
RoadmapA double-entry brokerage ledger with cost basis and unrealized gain on every position, real estate, and a net-worth line built on reconciled balances rather than scraped estimates.
The planner
RoadmapContribution room and deadlines across 401(k), IRA, and HSA, the withholding rate that reaches them, savings rate computed from what cleared, idle cash, and card rewards below what you spend. Then a cash-flow forecast: what lands, weeks ahead.
Households and equity comp
RoadmapTwo logins over one set of accounts, so a couple budgets from the same ledger without sharing a password. Side income and a small business kept apart from household spending. RSU vesting, sell-to-cover, and the cost basis that follows from them.
iPhone and Android apps
RoadmapEvery plan is a desktop web product today, and it runs in a phone browser for reviewing and entering transactions. Apps for iPhone and Android come after that.
Ember Pro, against a percentage
A typical adviser charges 1% a year of the assets they manage, in good years and bad, because the fee is on the balance rather than the outcome. Ember Pro is $200 a year at any balance.
| If you have | An advisor at 1% | Ember Pro |
|---|---|---|
| $100,000 | $1,000/yr | $200/yr |
| $500,000 | $5,000/yr | $200/yr |
| $1,000,000 | $10,000/yr | $200/yr |
| $2,000,000 | $20,000/yr | $200/yr |
Ember Pro is software. It shows your own records and does the arithmetic on them; it does not manage money and gives no advice. The comparison is of price only. Ember Pro is on the roadmap, and early access is by invitation.
Questions
Do I have to connect a bank?
No. Basic Budgets is manual: enter transactions yourself, or import a CSV file. Advanced Budgets adds read-only bank sync, and your bank credentials never touch Ember's servers.
Where is Ember available?
The United States only. You must be 18 or older and a US resident.
What does the beta cost?
The price on this page, once you subscribe. Ember will not charge a payment method without your agreement at checkout, and an account granted access without payment stays free until you choose to subscribe.
Annual or monthly?
Basic Budgets is $30 a year or $4 a month. Advanced Budgets is $75 a year or $9 a month. Ember Pro is sold annually, at $200. A subscription renews at the end of its term unless you cancel it first, and you can cancel from Settings.
What happens after I join the waitlist?
Ember emails you a link. Opening it puts your address on the list; until you open it, the address is not on the list. Invites go out in batches as room opens, and creating an account needs one.
Start with the ledger.
Leave your email and confirm it from your inbox. Ember sends invites in batches as room opens.
Private beta. Invites go out in small batches. Available in the US only. How your email is used. Already have an account? Sign in.