FIO-Paypath
Transparent Pricing · No Surprises

Your Full Income-to-expense OS.
Starting at $0.

Free forever on Standard. Upgrade to Plus or Pro when you're ready — weekly, monthly, or annual billing. Trials included on monthly and annual plans.

YNAB & Monarch charge $14.99/mo. FIO Pro is the same price — with more features.

How FIO-PAYPATH works

1

Enter your paychecks

Add your income sources and pay schedule: weekly, biweekly, or monthly.

2

Assign every bill

FIO-PAYPATH maps each expense to the specific paycheck that covers it.

3

See your gaps 24 months out

Spot cash crunches before they happen and act before the paycheck arrives.

✓ Your Current Plan
Standard

Core budgeting, free forever.

$0/mo

Free forever · no card needed

  • Up to 3 income sources
  • Up to 9 expense entries
  • 2-month cash flow projections
  • Daily balance tracker
  • Basic savings goals
  • Paycheck-linked expenses
  • 🔒Net worth & category budgets
  • 🔒Recurring detection & anomalies
  • 🔒Reports, import/export
  • 🔒Automation, household, AI insights
Most Popular
Plus

Serious budgeting with AI-powered tools.

$7.99/mo

Users on Plus find an average of $340/month in paycheck gaps — that's 17x the plan cost.

  • Up to 8 income sources & 16 expenses
  • 6-month projections & simulator
  • Summary reports & CSV/OFX import
  • Recurring detection & anomalies
  • Net worth & category budgets
  • Bill reminders & smart recommendations
  • Manual Bank Snapshot + Instant Bank Snapshot coming soon
  • Debt payoff simulator
  • Household collaboration
  • Savings optimizer
  • 🔒Tax planning
  • 🔒Automation rules engine
  • 🔒Advanced analytics & scenario simulator
  • 🔒PDF/Excel exports
  • 🔒AI insights full access
  • 🔒Priority support
Pro

Full financial OS for power users.

$14.99/mo

Pro's 24-month forecast has helped users avoid an average of 3 cash crunches per year.

  • Everything in Plus
  • Unlimited income & expense entries
  • 24-month selectable projections
  • Tax planning & emergency fund planner
  • Automation rules engine
  • Advanced analytics & scenario simulator
  • Prepaid bills & bill credit tracking
  • PDF & Excel exports + monthly reports
  • AI insights full access
  • Priority support

How trials work

Monthly plans → 7-day free trial. Annual plans → 14-day free trial. Weekly plans → no trial, billed immediately. No charge during the trial — cancel before it ends and you pay nothing.

Same price as the competition. Way more product.

AppPriceWhat you get
YNAB$14.99/moNo bank sync on basic plan
Monarch$14.99/moLimited automation
Copilot$12.99/moiOS only
FIO Pro$14.99/mo✓ Manual snapshot + automation + AI + unlimited entries

Every feature, side by side

Feature
Standard
Plus
Pro
Income sources
Up to 3
Up to 8
Unlimited
Expense entries
Up to 9
Up to 16
Unlimited
Projection window
2 months
6 months
2–24 months
Daily balance tracker
Basic savings goals
Net worth tracking
Category budgets
CSV / OFX import
Manual Bank Snapshot
Instant Bank Snapshot — Coming Soon
Recurring detection
Spending anomaly alerts
Secured by Stripe
256-bit encryption
Cancel anytime
No hidden fees

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