The cheapest zero-based budgeting tool. Free to start.

IHAB does one thing and does it well: zero-based budgeting with Sequence integration. We do not replicate YNAB's transaction tracking, bank reconciliation, reporting dashboards, or mobile apps. Those are different products solving different problems.

IHAB is a budgeting methodology engine — you input your income and expenses, plan your scheduled set-asides (savings goals and non-monthly expenses), and the API feeds your planned amounts to Sequence. Less surface area means lower infrastructure costs, which means a lower price. We are not subsidizing features you do not use.

We have no plans to increase pricing for existing subscribers. If we add features that justify a higher tier in the future, current Premium subscribers keep their current rate. We will not pull the rug.

IHAB and Sequence.io are separate products with separate pricing. IHAB is a passive amount provider — when Sequence executes a rule, it calls IHAB to get the current planned amount. IHAB responds. Sequence moves the money.

Sequence.io pricing starts at $4.99/month for the first year, then increases to $19.99–$59.99/month depending on your plan. Your combined cost depends on which Sequence tier you need.

IHAB does not require Sequence to be useful. Scheduled set-asides, savings goals, cash flow projections, and budget management all work standalone. Sequence integration is a Premium feature for users who want automated money movement.

Yes. The free tier gives you unlimited recurring expense tracking, monthly budget overrides, a budget summary showing income, expenses, and remaining funds, and a compact dashboard. There is no expense cap — you can track as many recurring items as you have.

What you do not get on the free tier: scheduled set-asides (savings goals and non-monthly expenses), smart spread planning, 24-month cash flow projections, API access, and Sequence integration — those are Premium. But if you just need to track income and expenses, the free tier covers it fully.

Most users who want to plan for savings goals or irregular expenses will want Premium. But you can start free and upgrade when the need is real.

After your 14-day free trial, your account moves to the free tier. Your data stays. Nothing is deleted.

Premium features (scheduled set-asides, savings goals, non-monthly expense planning, smart spread, cash flow projections, API access, Sequence integration) become unavailable until you subscribe. Your set-aside data is preserved in your account and becomes accessible again the moment you upgrade.

There is no pressure. No "subscribe in 24 hours or lose your data" countdown. Your budget stays yours.

IHAB runs on Google Cloud infrastructure (Firebase). Authentication uses Google SSO through Firebase Auth. Your budget data is stored in Cloud Firestore with per-user document isolation — no user can access another user's data.

API keys are hashed using SHA-256 before storage. We never store your raw API key after generation. CORS is restricted to ihab.io. Rate limiting is active on all API endpoints. HTTP headers are hardened via Helmet.

GDPR data export is built in — you can export all your data from the app at any time. We do not sell, share, or monetize your financial data.

Yes. If you are not satisfied with Premium within the first 30 days of a paid subscription, contact us for a full refund. No questions, no friction.

For annual subscriptions, the 30-day refund window starts from the date of each annual renewal. We do not prorate mid-cycle cancellations after 30 days — your access continues until the end of the billing period.