Budget with a
bear by your side.
Track every dollar, save toward goals, and watch Cubby's mood change as your finances do.
See exactly where
your money goes.
An effortless breakdown of your month — Cubby sorts every charge into categories so you can spot what to trim and save more.
Track my spending →Auto-categorized
Connect your accounts and Cubby instantly sorts every transaction into the right category — no spreadsheets, no manual tagging.
Insights that hit goals
See where you can adjust your habits to grow your savings, and let Cubby cheer you on as the numbers move your way.
Real-time heads-up
Get a gentle nudge about an upcoming charge or a low balance so you can dodge overdrafts and late fees before they hit.
Meet Cubby.
His mood shifts with your finances. Tap a mood to see how he reacts.
You've saved significantly more than you've spent. Cubby is absolutely delighted — this is peak financial health.
Your bank,
always in sync.
Upgrade and your transactions import themselves — four times a day, already categorized. No manual entry, just open the app and you're up to date.
See plans →Bank-grade secure
Your bank connection is encrypted end to end — your login credentials never touch our servers.
Synced 4× a day
Transactions flow in automatically around the clock, so your balance is always current.
Sorted on arrival
Every imported charge is categorized intelligently the moment it lands — nothing to tidy up.
Simple, honest pricing.
Start free. Remove ads with Plus. Unlock bank sync with Premium.
- 3 months of history
- Manual transaction logging
- Unlimited savings buckets
- Cubby's 5 mood reactions
- Visual spending insights
- Ad-free experience
- Auto bank sync
- Everything in Free
- 6 months of history
- No ads — ever
- Auto bank sync
- Everything in Plus
- 1 year of history
- Auto bank sync · 4× per day
- 1 savings account included
- 1 checking account included
- 1 investment account included
- +$2.99/mo per extra account
All upgrades available as in-app purchases on iOS.
Common questions.
Yes — the core app is free to download. The Free plan includes manual transaction logging, savings buckets, and Cubby's mood reactions with no time limit. Cubby Plus ($1.99/mo, or $19.99/year) removes ads. Cubby Premium ($9.99/mo) adds automatic bank syncing. You can also pay a one-time $2.99 to sync a single account without a subscription.
On the Free and Plus plans, Cubby is fully manual — you log your own transactions and your banking credentials are never needed. Cubby Premium adds a secure bank connection that automatically imports transactions 4 times a day. You can also do a one-time sync of any account for a flat $2.99.
Premium ($9.99/mo) includes everything in Plus, plus automatic bank syncing 4× per day. The plan comes with 1 savings account, 1 checking account, and 1 investment account. Need more? Each additional account is $2.99/mo.
Cubby is your bear mascot and financial accountability buddy. He has 5 emotional states that reflect your financial health in real time — from Thriving to Struggling — to keep you aware and motivated.
Unlimited. Name a bucket anything — emergency fund, vacation, new car, holiday gifts — and set an individual target for each. Move money between buckets instantly.
Cubby requires iOS 18 or later. That covers iPhone XR (2018) and any newer model.