Updated May 2026
A budget app
with no subscription.
No trial. No credit card. No "upgrade for premium." Genuinely free forever — bank sync, envelopes, reports, all included.
No tier. No paywall. Just the app.
- No subscription fee. Not now, not after a trial, not "for premium features." There is no premium tier.
- No credit card at signup. Email and password (or Google sign-in). That's it.
- No trial expiry. You're not "previewing" the product — you're using it.
- No feature gating. Bank sync, unlimited envelopes, auto-categorization rules, reports — all in the free product.
- No ads. Not in the product, not on the site. We don't even have ad infrastructure.
- No data sale. Your transactions stay in your account. We don't sell, share, or run analytics for advertisers.
Subscription pricing across the field.
Pricing as published May 2026. Read full side-by-side comparisons.
"Okay, but how is it actually free?"
Fair question. The standard "free" pattern in fintech is one of three things: ad-supported (Mint), data-resold (some "free" apps that show up in privacy lawsuits), or a trial that converts to paid. None of those are great.
LazeeFish is none of those. The honest version: the consumer app exists alongside a separate B2B product — the underlying transaction-categorization engine is licensed to other fintechs and finance teams. That side of the business funds the consumer side. The consumer product stays free as a way to validate the engine and bring real-world transaction patterns into improving it.
It's not a charity model and it's not a venture-burn-the-money-to-grow model. It's a sustainable cross-subsidy. If you're thinking "this only stays free until they get acquired or pivot," that's a fair concern about any SaaS — but the structure here is genuinely different from "free trial that converts."
If we ever change pricing, we won't paywall features users already rely on. New paid features (e.g., a business team SKU) might exist, but the existing personal envelope-budgeting app stays free.
What's included.
Skeptical questions, honest answers.
Is LazeeFish actually free, or "free with a trial"?
Actually free. No trial period, no expiring "pro" features, no credit card collected at signup. The same feature set is available to every user, indefinitely.
What's the catch?
No catch in the conventional sense. We don't run ads (we don't even have ad infrastructure). We don't sell your data. We don't have a "premium tier" you'll get nudged into. The realistic limitation: we have a smaller team than the funded competitors, so feature velocity is steadier-but-slower than YNAB or Monarch.
Will it stay free?
Yes. The free-forever positioning isn't a growth gimmick — it's the business model. We've committed to never paywalling features users already rely on. If we ever introduce paid offerings, they'll be net-new, and the existing personal-use feature set stays free.
Why is YNAB $109/year if a free version exists?
YNAB's price funds an excellent education system — workshops, podcasts, a sizable support team, and continuous product polish. If that pedagogy is what you want, it's worth the price. If you already understand envelope budgeting (or are willing to read a free guide), the same envelope discipline works in LazeeFish for $0. See: LazeeFish vs YNAB.
Are there ads or affiliate links?
No ads — anywhere in the product or on the site. No affiliate trackers. No "recommended credit card" surfaces. The app is what you see; nothing is monetizing your attention or your data.
Sign up. $0.
Email and password. No credit card. No trial expiring on you.