kitio.aiStash vs OpenBudget
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Stash starts at $12/mo and OpenBudget starts at See pricing page. Check both pricing pages for current plans.
At a glance
Best for
Pricing model
Starting price
Free plan
Made by
Based in
Rating
Key features
- AI Money Coach
- Personalised investment plan
- Managed Smart Portfolio
- Fractional stocks and ETFs
- Retirement accounts with match
- Stock-Back rewards card
- Bank connection via Plaid
- Claude and ChatGPT connector
- Google Sheets and Excel sync
- Automatic categorization
- Investment account tracking
| Feature | Stash | OpenBudget |
|---|---|---|
| Best for | Investing app with an AI money coach and managed portfolios | Connects your bank accounts to Claude, ChatGPT and spreadsheets |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Free trial | Free trial |
| Starting price | $12/mo | See pricing page |
| Free plan | No, 7-day trial | No, 7-day trial |
| Made by | Stash Financial | OpenBudget |
| Based in | United States | – |
| Rating | No ratings yet | No ratings yet |
| Key features |
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Pricing compared
Stash starts at $12/mo and OpenBudget starts at See pricing page. Check both pricing pages for current plans.
Free plan
Cheapest paid plan
Top plan
Free trial
1 plan
Stash Plan
$12/mo
- Investing and retirement accounts
- AI Money Coach
- 3% retirement match
- $10,000 life insurance
2 plans
Base
$60/yr billed yearly
- Up to 10 institutions
- AI questions about your money
- Spreadsheet sync
Investor
$99/yr billed yearly
- Up to 15 institutions
- Brokerage and retirement accounts
- Holdings and dividend questions
Prices in USD, checked Nov 5, 2026 or later. Plans change often, so confirm on each tool's site before you buy.
Pros and cons
Stash
- One flat monthly fee
- Advice available around the clock
- Low minimum to start investing
- Monthly fee is high for small balances
- Only available in the US
- Built for long-term investing, not trading
OpenBudget
- Uses the AI tools you already have
- No manual CSV exports
- Low yearly price
- Depends on Plaid bank coverage
- Investments need the higher plan
- Monthly-billed price not shown
Which one should you choose?
Choose Stash if you want:
- One flat monthly fee
- Advice available around the clock
- Low minimum to start investing
Watch out: monthly fee is high for small balances.
Choose OpenBudget if you want:
- Uses the AI tools you already have
- No manual CSV exports
- Low yearly price
Watch out: depends on plaid bank coverage.
Stash vs OpenBudget FAQ
What is the difference between Stash and OpenBudget?
Stash: Investing app with an AI money coach and managed portfolios. OpenBudget: Connects your bank accounts to Claude, ChatGPT and spreadsheets. Both are legal, finance & hr tools.
Is Stash or OpenBudget cheaper?
Stash starts at $12/mo and OpenBudget starts at See pricing page. Check both pricing pages for current plans.
Do Stash and OpenBudget have free plans?
Stash: No, 7-day trial. OpenBudget: No, 7-day trial.
Who makes Stash?
Stash is made by Stash Financial, based in United States.
Who makes OpenBudget?
OpenBudget is made by OpenBudget.
Which should I choose, Stash or OpenBudget?
Choose Stash if you value one flat monthly fee and advice available around the clock. Choose OpenBudget if you value uses the ai tools you already have and no manual csv exports.