Frequently asked questions

A method where every dollar of income gets assigned a job, rent, groceries, savings, fun, before the month starts, until the amount left to assign is exactly zero. Zero doesn’t mean spending everything: saving is a job too. It means no dollars floating around without a purpose.

No, and you can’t yet, actually. CalmDollar has no bank sync today (it’s on the roadmap). You log transactions manually in seconds or bring history in via CSV import. Many budgeters find that the small act of logging is exactly what keeps them aware of their spending.

Yes. You start with a sensible category template and a short guided tour, and the method is one rule: assign every dollar a job. The streaks and celebrations exist precisely to carry you through the first months while the habit forms.

Everyone you invite joins the same budget with their own login. Owners manage the budget and billing, adults can assign money and log spending, and limited members (great for teens) log their own transactions without moving money. Every transaction shows who spent it, and changes appear for everyone in real time. The limited role comes with Pro (built for families) and Business; two adults budgeting together fit comfortably on Plus.

Free is a complete zero-based budget for one person: 40 categories, 2 goals, 5 recurring expenses, 2 accounts. Plus ($5.99/mo or $59/yr) adds a second seat, unlimited categories/goals/recurring, 6 accounts, envelope carryover, and advanced reports. Pro ($8.99/mo or $89/yr) brings the whole family in: up to 6 seats, member roles including a limited role for teens, and unlimited budgets and accounts. Business ($39/mo or $390/yr) is for teams and small companies: up to 10 seats with everything unlimited, plus priority support.

Nothing breaks. Everything you’ve created keeps working and stays visible. You just can’t add new items past the limit (a 41st category on Free, say) until you upgrade or archive something. We never hold your existing data hostage.

Every new account starts with a 14-day trial of Plus, with no credit card. When it ends, you move to the Free plan automatically. Nothing is charged. Anything you created beyond Free’s limits stays visible; you just can’t add more until you upgrade.

Use our free EveryDollar CSV Exporter, a Chrome extension that downloads your EveryDollar budget and every transaction as CSV files, splits and all, straight from the budget you’re already signed into. It runs entirely in your browser, needs no account, and the files are yours to keep, open in a spreadsheet, or import anywhere. Once you have them, CalmDollar’s importer reads them with a one-click EveryDollar preset.

Yes. The CSV importer is on every plan, including Free. It recognizes exports from EveryDollar, YNAB, Mint, Monarch Money, Copilot Money, and Rocket Money, and the CSV downloads from Chase, Bank of America, Wells Fargo, Capital One, American Express, Citi, and Discover, so most files need no setup. Any other transaction CSV works too: you map the date, amount, and payee columns yourself. Coming from EveryDollar? Our free EveryDollar CSV Exporter pulls your data out first. Imports are duplicate-safe, so re-running a file won’t double your history. See the migration guide for a step-by-step walkthrough.

Per category, you choose: reset to zero each month, or carry the leftover forward. Carryover categories behave like real envelopes: underspend groceries by $40 in July and August’s envelope starts $40 fuller. Sinking-fund goals use carryover automatically, since that’s the whole point of a sinking fund.

Because budgets fail when the logging habit dies, not when the math gets hard. CalmDollar tracks a daily logging streak, a weekly review streak, and a months-budgeted streak your household shares, plus XP, levels, and 14 badges for real milestones like zeroing a month or funding a goal. Daily XP is capped so the game rewards honest habits, not grinding.

Your budget is visible only to you and the members you invite. We don’t run ads, and we don’t sell data. Paid plans are the entire business model. You can export your data anytime from Settings (a spreadsheet-ready CSV or a full JSON export), or delete your account whenever you like. See the privacy policy for the details.

Yes, from the billing page in a couple of clicks. You keep paid features until the end of the period you’ve paid for, then move to the Free plan with all your data intact.