Plans

Priced on how many budgets you run, not how much you spend.

Charging a percentage of spend would mean charging you more in exactly the months you overspent. So plans are shaped by scope instead: how many budgets, how many accounts, how many people hold a limit. Every plan includes categorization and live tracking, because a plan without those is not a budget tracker.

BillingMonthly

Plan changesFrom next cycle

Data export after cancelling90 days

Starter

One budget, owned by one person, tracked properly for the first time.

Single budget

Up to 3 connected accounts and cards
Up to 12 categories with limits and thresholds
Automatic categorization with manual override
Live tracking, threshold flags, current-cycle pace
Reallocation suggestions, single approver
Cycle variance report with spreadsheet export

Start on Starter

Growth

Several budgets with their own owners, and forecasting early enough to matter.

Multiple budgets

Everything in Starter
Unlimited budgets by department, up to 25 accounts
Up to 150 nested categories with custom rules
Pace flags across current and next cycle
Three-step approval routing with thresholds
Twelve-cycle trend and reallocation history
Guided setup session

Start on Growth

Enterprise

Organization-wide budgeting with a category taxonomy you define and policy around who can change what.

Organization-wide

Everything in Growth
Unmetered accounts, users and role-based access
Custom category taxonomy with rule governance
Seasonal weighting in forecasts
Reallocation policy constraints and escalation
Scheduled report delivery and data feed
Dedicated onboarding and named contact

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Plan rates depend on the number of connected accounts and budget owners you need, so we quote them directly rather than publishing a figure that would be wrong for most businesses. Tell us the scope on the contact page and you will get the number for your scope, not a starting-from price.

Get your plan rate

Feature comparison

Line by line, with no asterisks.

Capability	Starter	Growth	Enterprise
Budgets	One	Unlimited, by department	Unlimited, organization-wide
Connected accounts and cards	Up to 3	Up to 25	Unmetered
Spending categories	Up to 12	Up to 150, nested	Custom taxonomy, nested
Automatic categorization	Included	Included, with custom rules	Included, with rule governance
Live category tracking	Included	Included	Included
Threshold flags	Included	Per-category thresholds	Per-category thresholds
Pace flags and forecasting	Current cycle	Current and next cycle	Current, next and seasonal weighting
Reallocation suggestions	Included	Ranked by projected room	Ranked, with policy constraints
Approval workflow depth	Single approver	Up to 3 steps, by threshold	Up to 3 steps, by threshold and policy
Department and cross-budget routing	Not applicable	Included	Included, with escalation policy
Spend reports	Cycle variance	Variance, 12 cycle trend, reallocation history	Full reporting suite with scheduled delivery
Exports	Spreadsheet	Spreadsheet and PDF	Spreadsheet, PDF and scheduled feed
Users	2	Up to 25	Unmetered, role-based
Audit trail retention	12 months	36 months	Contractual term
Onboarding	Self-serve	Guided setup session	Dedicated onboarding

Questions

The things people actually ask before signing up.

If what you need to know is not here, the contact page reaches a person who can answer it properly.

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Which banks and cards can be connected?

Business current accounts and corporate or business credit and debit cards from the major Indian banks and card issuers, connected read-only. If an institution you use is not supported yet, send us the name from the contact page and we will tell you where it sits. In the meantime that account can be tracked by import rather than live connection, so it still counts toward your category totals.

How accurate is the automatic categorization?

Accuracy depends heavily on your merchant mix, so a single headline percentage would be marketing rather than information. What we will commit to is the mechanic: every assignment carries a confidence band, high-confidence assignments post straight through, borderline ones land in a review queue with both candidates shown, and first-time merchants with no usable pattern are held in Uncategorized rather than guessed. In practice the first cycle needs the most review and each one after that needs less, because your corrections become rules.

What happens in the first cycle?

You connect accounts, confirm or rename the starter categories, and set a limit and near-limit threshold on each. Where the account history allows it, the engine backfills prior transactions so you have a reference point for setting limits rather than guessing them. Tracking is live from the first settled transaction after connection.

Can BudgetGaga move money or pay a bill?

No. Account connections are read-only, no payment credentials are held, and there is no mechanism for the product to initiate a transfer or release a payment. Approving a reallocation changes budget limits inside BudgetGaga. Anything that happens in your bank is still done by you, in your bank.

Do reallocation suggestions apply themselves?

Never. A suggestion is a proposal with a named source, a destination, an amount and the resulting readings for both categories. It waits for an explicit approval from whoever owns the budget line. There is no auto-approve setting and no timeout that treats silence as consent.

What does changing plan or cancelling involve?

Plans are monthly and you can move up or down at any time, with the change taking effect from the next cycle so a budget period is never split across two plans. Cancelling stops the billing at the end of the current period, and your data stays exportable in full for ninety days after that so you are never racing a deadline to get your own figures out.

Is there a limit on transaction volume?

Plans are shaped by connected accounts, categories and users rather than transaction count, because transaction volume is not something you control and should not be something you are penalised for. If volume on your account is genuinely unusual we will raise it with you directly rather than throttling categorization quietly.

Who should be on Growth rather than Starter?

The dividing line is whether more than one person owns a budget. Starter assumes you own all of it, so it routes every flag and suggestion to you. The moment department heads hold their own lines, you need routing, per-category thresholds and reallocation that asks both sides, which is where Growth begins.

Pick your month end

The plan matters less than the day you find out.

Starter and Growth both flag a breach on day 11. Pick the one that matches how many people hold a budget.

The statement routeDay 31

You read the number after it is spent

The category closed at 112 percent. The money left the account three weeks ago. The only decision available now is which line to explain it against.

Overage discovered at close
Reallocation window already gone
Next cycle starts on the same blind footing

The BudgetGaga routeDay 11

You read the pace while it still bends

At 74 percent on day 11 the category is flagged as trending over, with an under-spent line named as the source. You approve the shift, or you tighten the spend. Either way you chose.

Flagged the moment the pace breaks
Reallocation source named, not hunted for
Every move still waits on your approval

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