Simple, Transparent Pricing
Choose the plan that fits your financial situation. Every plan starts with a free 20-minute consultation — no hidden fees, cancel monthly.
Our Plans
All prices are per month and include personal guidance from a dedicated budgeting coach. Switch or cancel your plan at any time.
Starter
For individuals building their first budget
- Custom monthly budget plan
- Spending tracker templates
- Monthly email check-in
- Access to method guides
- 1:1 coaching sessions
- Debt payoff roadmap
Momentum
For households ready to take control of spending
- Everything in Starter
- Two 1:1 coaching sessions monthly
- Debt payoff roadmap
- Quarterly plan adjustments
- Priority email support
- Joint budgeting option for couples
Complete
For freelancers and complex financial situations
- Everything in Momentum
- Weekly coaching check-ins
- Irregular-income budgeting system
- Business & personal expense split
- Annual financial review
- 24/7 support access
| Feature | Starter | Momentum | Complete |
|---|---|---|---|
| Custom monthly budget plan | |||
| Spending tracker templates | |||
| Coaching sessions per month | Email only | 2 sessions | Weekly |
| Debt payoff roadmap | |||
| Irregular-income system | |||
| Couples budgeting | |||
| Annual financial review | |||
| Support | Priority email | 24/7 |
One-Time Add-Ons
Available with any plan or on their own — targeted help where you need it most.
Deep-Dive Budget Audit
A 90-minute session reviewing your last three months of spending, with a written action plan delivered within 48 hours.
€129 one-timeDebt Elimination Workshop
A focused two-hour workshop building your personal snowball or avalanche payoff schedule with realistic timelines.
€149 one-timeCouples Alignment Session
A guided 2-hour session helping partners agree on shared goals, spending allowances and savings priorities.
€159 one-time
Why Clients Choose BudgetWerk Plans
We keep pricing straightforward: one flat monthly rate, a dedicated coach, and methods you can keep using for life — no software subscriptions or bank access required.
- Free 20-minute consultation before you commit to anything
- Month-to-month plans — no long-term contracts
- Your financial data stays private and under your control
- Works with spreadsheets or pen and paper — no special software
Pricing FAQs
Can I switch plans later?
Yes. You can upgrade, downgrade, or cancel at the end of any billing month. Your coach will help you pick the right moment based on your progress.
Is there a free trial?
We offer a free 20-minute consultation instead of a trial. It gives you a real taste of our approach and a mini action plan you can use either way.
Do you offer reduced rates?
We set aside a limited number of reduced-rate Starter spots each quarter for students and people in financial hardship. Mention it in your consultation request.
How are payments handled?
Plans are billed monthly by SEPA direct debit or card. You receive an invoice by email each month, and you can cancel anytime with no penalty.
Request Your Free Consultation
Tell us which plan interests you and we'll get back within one business day.
Prices include VAT where applicable. Not sure which plan fits? Start with the free consultation — we'll recommend the right one.