Better Than Budgeting.

Improve your spending and saving habits with a daily text.

Try free for 30 days. No payment info needed to start.

Habit Money is for anyone who wants to feel better about their finances.

  • Preparing for a big life change

    Whether you’re getting married, buying a home, or another big life change, it’s important to have your finances in order to move forward with confidence.

  • Dealing with financial stress

    Credit card debt, student loans, living paycheck to paycheck or any kind of financial stress can keep you from living the life you deserve.

  • Overwhelmed by finances

    Sometimes all you need is a deeper understanding of financial planning to feel comfortable about living your best life.

A simple daily text makes it easy to stay motivated, build confidence and take control of your finances.

How Habit works

1. Create your account online

2. Connect your bank accounts via Plaid (or opt to track manually)

3. Customize your categories, your money plan, and your daily nudge setting (or don’t - go at your own pace!)

4. Review your spending daily and reflect on how each transaction feels

5. Receive weekly and monthly updates and insights to track progress

A human coach is always just a text away.

Proven, psychology-based approach

Our approach is based on the same science behind weight management or personal training methodologies.

You don’t train to run a marathon overnight. Learning to take control of your money is no different.

Being financially healthy requires us to make money choices every day that align with our goals. That’s hard to do if we only think about money at the end of the month, and by then it’s too late.

If you make money mindfulness a daily habit, you will naturally spend less, save more, and feel better.

One minute a day is all you need to build your habit.

Real Results

  • 96%

    of users spent less in their first month using Habit

  • $3k

    average saved per user in first 90 days

  • 100%

    of users report higher confidence and lower stress

Free apps are free for a reason. You get what you pay for.

We know there are other free options out there, but if you’ve tried those and they haven’t worked, it’s time to try something new.

We want you to feel confident that Habit Money is worth the money, which is why we give you 30 days to try it for free - no cost, commitment, or payment info required.

You’ll save at least your subscription amount, and more importantly, you’ll feel better!

We guarantee it.

No payment info needed to start.

$29/mo

The “App is Enough for Me”

+ Automated daily mindfulness reminders
+ Regular weekly and monthly reports
+ Self-guided money planning
+ Limited access to human coaches via text

$49/mo

The "Full Coaching Experience” Plan

+ Monthly 1:1 virtual sessions
+ Personalized insights and support from a financial coach
+ Guided goal setting and money planning
+ Unlimited texting with coaches

  • "It’s more helpful and gives me more clarity into my spending than anything else I’ve tried.”

    Sophie G. from Denver (user since March ‘23)

  • “I wiped out all my credit card debt! I am feeling great, thank you for this program it is so helpful!”

    Betty H. from Denver (user since June ‘23)

  • “Habit helps me think about where my money is going and… makes me feel powerful making decisions about my finances.”

    Mekdes G. from Dallas

  • “This is the best thing I’ve ever done for myself and my money.”

    Adwoa T. from Durham (user since April ‘23)

  • “I'm learning I can refrain from overspending which is something I never thought I could do before joining Habit.”

    Genevieve E. from San Jose (user since Jul ‘23)

Us v. Them

Our system is built around human psychology. We supercharge traditional financial coaching with powerful technology that keeps you motivated, accountable, and making progress towards your goals.

Top FAQs

  • We charge a monthly fee to cover the cost of our robust technology and human coaches, instead of relying on advertising or selling your data. This allows us to help you save way more than what we charge. Plus, we offer a free 30 day trial with no payment info required so you can see just how much it will be worth to you.

  • Habit Money is built around the principles of money psychology and behavior change. We encourage incremental behavioral adjustments to build long-term habits, rather than restrictive budgeting.

  • Our Essential plan is a self-guided experience. You’ll receive the same reports, nudges, and tools as our Premium users, but only Premium users have access to our live coaches. Our free 30-day trial includes full access to all Premium features, so you can see which plan is right for you.

  • Your 30-day trial includes everything offered in our Premium subscription:

    • Weekly and monthly spending reports

    • Customizable daily mindfulness nudges

    • Insights on your money values

    • Prompts for reflection and planning

    • Tools for building spending and savings plans

    • Text support from a money coach

    • Live planning session with a coach

  • We take security seriously, but we understand that some people aren’t comfortable connecting their accounts. That’s why we provide an option to track spending manually.

  • Yes! While some reminders are automated, all replies to your messages will be from a real person.

We are changing the conversation about money.

Many of us don’t enjoy dealing with money, and it’s a huge driver of stress. There’s a lot of guilt and shame tied up in these decisions, and so we avoid it. It doesn’t have to be that way.

I started Habit Money because I wanted to help people overcome the emotional barriers that hold them back from healthy financials, to move from intention to real action, and to finally achieve their financial goals.

It’s time to take control of your money. You can do it, and we’re here to help.

J E S S I C A B A I E R
Founder & CEO

Try free for 30 days. No payment info needed to start.