Pricing
Cheaper than coffee.
Calmer than the alternatives.
One free tier so you can use HomeWeal forever. Two paid tiers for unlocking the calm. One lifetime deal for the first 100 believers.
Free bill trackerPro $9/moFamily $14/mo30-day money-back
Early-bird pricing · ends December 31, 2026
Lock in $9 Pro / $14 Family for as long as you stay subscribed.
Standard pricing rises to $11/mo Pro and $16/mo Family on January 1, 2027. We never raise the rate on a current subscriber — your early-bird price is honored for life.
Solo
For people just keeping up with their own bills.
Bill essentials
- ✓Up to 10 bills
- ✓Bill calendar
- ✓Web push bill reminders
- ✓Price-increase alerts
- ✓Variable-amount tracking
- ✓CSV + Excel (XLSX) export — always free
- ✓Customizable dashboard
Pro
For people who refuse to forget anything.
save $24 with annual
Early-bird rate · locked in for life
Solo, plus Planning & AI
- ✓Unlimited bills
- ✓Budgets, goals, income & safe-to-spend
- ✓Debt payoff planner
- ✓Vendor directory, cancellation links & negotiation helper
- ✓Health score + 90-day forecast
- ✓Email reminders + weekly digest
- ✓AI insights + Ask HomeWeal (beta)
Family
Everyone in the house. One ledger.
save $36 with annual
Early-bird rate · locked in for life
Pro, plus Household
- ✓Up to 6 household members
- ✓Bill splitting
- ✓Settle-up tracker with Venmo/PayPal links
- ✓Member editing, anytime
- ✓Per-member activity
Paid plans renew automatically; cancel anytime. By subscribing you agree to our Terms, Privacy Policy and Refund Policy. Charges appear on your statement as PayPal *JSOBPHOTO. HomeWeal is a product of JSobersPhotography.
Not for you? Full refund, no questions asked.
Full CSV export, always free, always available.
We don't connect to your bank. We don't sell your data.
Early-bird and Founders rates are honored for life. No renewal hikes — ever.
More for less
Monarch-alternative pricing, cheaper than YNAB —
with more in the box.
All-in-one finance apps charge $13–15/mo, as of 2026. HomeWeal Pro is $9/mo — locked in for life at early-bird pricing — and one subscription is the bill tracker, the debt planner, the subscription watchdog, and the household splitting app.
Competitor prices from their official pricing pages, as of 2026. That's $72/yr less than Monarch, every year you stay.
- ✓Household bill splitting + settle-up with Venmo/PayPal payment links — no roommate-style settle-up at Monarch, YNAB, or Copilot.
- ✓Manual-entry-first: no bank credentials required, ever. Your financial logins stay yours.
- ✓Price-increase alerts free on every plan — the flagship premium feature at Rocket Money ($6–12/mo).
- ✓Debt payoff planner with snowball vs. avalanche, free Excel export, and AI insights (beta).
Every paid plan comes with a 30-day money-back guarantee, no questions asked. Cancel anytime, full CSV export forever.
This is what you're paying for
The calm dashboard, on every plan.
Every bill, every pay date, and your household cash flow at a glance — real screen from the actual app, not a mockup.
Stay in the loop
Get product updates + founders-pricing reminders.
HomeWeal is live — start above anytime. Drop your email for product updates and a reminder before founders pricing closes.
Pricing FAQ
The questions you ask before paying
How does the early-bird pricing work?+
Subscribe before December 31, 2026 and you lock in $9/mo Pro or $14/mo Family for as long as you stay subscribed — no renewal hikes, ever. Standard pricing rises to $11/mo Pro and $16/mo Family on January 1, 2027. We never raise the rate on a current subscriber.
What if I cancel and re-subscribe later?+
The early-bird rate is tied to continuous subscription. If you cancel and rejoin after Jan 1, 2027, you'll be on the standard rate. Annual subscribers keep their rate for as long as they renew on time.
What happens to my data if I cancel?+
It stays accessible read-only forever. Export to CSV anytime — free even on Solo. We don't hostage your data.
Can I switch from Pro to Family later?+
Yes, prorated immediately in Settings. No phone calls, no email-the-team gates. If you switch during the early-bird window, your Family rate is the locked-in $14/mo.
Is HomeWeal cheaper than Monarch or YNAB?+
Yes. As of 2026, Monarch Money is $14.99/mo ($99.99/yr), YNAB is $14.99/mo ($109/yr), Copilot Money is $13/mo ($95/yr), and PocketGuard is $12.99/mo ($74.99/yr). HomeWeal Pro is $9/mo — $84/yr — at early-bird pricing, locked in for as long as you stay subscribed. And it includes things they don't: a debt payoff planner with snowball vs. avalanche, free price-increase alerts, household bill splitting with settle-up payment links, and free Excel export. 30-day money-back guarantee on every paid plan.
Do I need to connect my bank?+
No. HomeWeal is manual-entry-first — we never ask for bank credentials, and none of the all-in-one competitors lead with that stance. It's a privacy choice as much as a product one, and it's part of how we keep Pro at $9/mo. Bank sync will be an opt-in $4/mo add-on for users who want it.
Why no bank sync?+
Because manual entry is the point — bank sync hides bills until they hit. Manual entry forces awareness. We'll add opt-in bank sync as a $4/mo add-on for users who want it.
Do you offer a refund?+
30-day money-back guarantee, no questions asked. Cancel and we refund the latest charge.
Is HomeWeal safe? It's built by one person.+
Yes. Encrypted at rest. Per-household data isolation enforced at the database layer (one household's data can never appear in another's queries). No financial credentials stored — we don't connect to banks. Full CSV export means you're never locked in.
How does the founders deal work?+
The first 100 founders pay $249 once for lifetime access to every feature including Family. No price changes — ever. After 100 founders are claimed, the deal closes.
Will the price ever go up on my account?+
No. Whatever rate you sign up at — early-bird, founders, or standard — is the rate you pay for as long as you stay subscribed. We raise prices for new customers, never existing ones.