What is envelope budgeting?
Envelope budgeting means you assign every dollar a purpose before you spend it. You create named "envelopes" for each spending category — Groceries, Rent, Fun Money — and allocate a fixed amount to each one every month. As you spend, the envelope balance decreases. When it's empty, you're done spending in that category, or you move money from another envelope.
How does the free trial work?
You get a full 35-day free trial with no credit card required. All features are available from day one. When your trial is within 7 days of expiring, you'll see a reminder in the app. After your trial ends, your data is preserved — you just need to subscribe to continue.
What's the difference between monthly and annual?
Monthly is $8/month, billed each month. Annual is $60/year ($5/month), billed once — you save $36 (37%) compared to paying monthly. Both plans include every feature.
Can I cancel anytime?
Yes. Cancel anytime and your subscription won't renew. You keep full access until the end of your current billing period.
How does iHAB compare to YNAB?
iHAB and YNAB use the same envelope budgeting method, so the concepts transfer directly and your full YNAB history imports in one step. The main differences are price and scope: iHAB costs $8/month or $60/year ($9.50/month or $75/year with optional bank sync) versus YNAB's $109/year. YNAB has a longer history and some features iHAB doesn't yet offer; iHAB is a focused, no-frills tool that does the core job well at a lower price.
I'm switching from YNAB — how does the import work?
Export your YNAB register as a CSV and import it into iHAB in one step. Transactions, splits, transfers, and starting balances all come across. You can be up and running in minutes.
Is my data safe?
Your data is stored in a private database scoped to your account — no other user can see your budgets. All traffic is encrypted via HTTPS. iHAB does not sell or share your financial data.
