Alto FreeCore budgeting tools
$0/ forever
Plan your money and record spending manually.
- Paycheck-based budgeting
- Bills, categories, and savings goals
- 1,000 total transactions
Start with 14 days of Pro, then keep using Free if you don’t subscribe.
Start free. Add Pro when it fits.
Start with 14 days of Pro. No credit card required. Keep the essentials with Free, or add bank sync and unlimited transactions with Pro.
Alto Pro Bank sync and unlimited transactions
$4.20/ month
Or $42 billed yearly. Save $8.40 a year.
- Everything in Free
- Automatic bank sync with Plaid
- Unlimited transactions
After your 14 days: keep using Free with 1,000 total transactions, or subscribe for bank sync and unlimited transactions. Creating an account does not start paid billing.
Web: $4.20/month or $42/year. iPhone: $4.99/month or $44.99/year. Prices in USD.
One Pro subscription works across web and iPhone.
Compare Alto with other budgeting apps
Paycheck planning, savings goals, and reports. Free to get started.
Swipe or scroll to compare all plans.
| Features & pricing | Alto Free | Alto Pro |  Copilot Money |  YNAB |  EveryDollar Premium |
|---|---|---|---|---|---|
| Billed monthly | $0Free | $4.20per month | $13per month | $14.99per month | $17.99per month |
| Billed annually | $0Free | $42per year$3.50/mo equivalent | $95per year$7.92/mo equivalent | $109per year$9.08/mo equivalent | $79.99per year$6.67/mo equivalent |
| Transaction Limit | 1,000 total | Unlimited | Not verified | Not verified | Not verified |
| Dedicated paycheck planning | Yes | Yes | No | No | Yes |
| Free plan available | Yes | Yes | No | No | Yes |
| Savings goals | Yes | Yes | Yes | Yes | Yes |
| Spending reports | Yes | Yes | Yes | Yes | Yes |
| Bank sync | No | Yes | Yes | Yes | Yes |
USD before tax. Annual plans are paid upfront. Alto’s App Store price: $4.99/month or $44.99/year.
Paycheck planning means a dedicated payday planning view. Free-plan availability is app-wide; Pro and Premium features require their paid plans. Features and bank support vary.
Checked . A dash means the transaction limit is unverified. Prices and features may change.
Bank availability and sync timing depend on your institution. How Alto handles your data.
A few things to know.
What is included in Free?
Free includes paycheck budgeting, unlimited accounts and categories, savings goals, and up to 1,000 transactions. Bank sync requires Pro. The transaction limit is a total across your Alto account, not a monthly allowance.
When does my trial start?
New Alto accounts receive 14 days of Pro at signup, without a credit card. If you do not subscribe, you can continue on Free after the trial. Creating an account alone does not start a paid subscription.
Does Pro work on web and iPhone?
Yes. Sign in to the same Alto account on both. One Pro subscription provides access across web and iPhone. Web: $4.20/month or $42/year. iPhone: $4.99/month or $44.99/year. Prices in USD. Checkout or the App Store shows the price and terms before you subscribe.
How do I cancel?
Manage a web subscription through Alto’s billing settings. Manage an Apple subscription through your Apple subscriptions. Canceling stops renewal; Pro access continues through the paid period. You can then use Free with its transaction limit and without bank sync.
Do I need to connect my bank?
No. Add accounts and enter transactions manually, or import a CSV. Pro lets you connect supported banks through Plaid. Sync timing and availability depend on your financial institution.
Put your next paycheck to work.
Make a plan for your bills, everyday spending, and savings.
Start with 14 days of Pro. No credit card required.