Current product feature guide | Updated August 5, 2026
Rubato features for budgeting with irregular income.
Rubato Plan combines manual entry, free statement imports, adaptive cash-flow planning, goals, debt tools, long-term projections, and clear next actions. Start with the $0 Free plan; add connected automation only if you need it.
Rubato is a budgeting and cash-flow planning app for irregular, inconsistent, or variable income. Rubato Free includes manual accounts and transactions, private CSV/OFX/QFX statement imports, a six-month income baseline, a 13-week forecast, budgets, goals, debt planning, retirement modeling, weekly actions, and the Rubato Score. Paid plans add bank connections, scheduled sync, optional AI reviews, longer history, CSV reports, advanced alerts, and family access by plan.
Customer-facing feature catalog
From raw transactions to the next useful decision.
This catalog covers production customer workflows, not internal administration or experimental controls. Availability notes call out plan limits and required inputs.
01Included on Free
Manual data and statement imports
Build a useful financial picture without connecting a bank or typing every historical transaction.
Add accounts, current balances, and individual transactions manually.
Import bank or credit-card statements in CSV, OFX, or QFX format at no cost.
Review parsed transactions before saving them and resolve duplicates or classifications.
Organize income, spending, transfers, refunds, debts, and savings accounts.
Important: Files are limited to 2 MB and 2,000 rows per import. PDF statements are not supported.
02Included on Free
Irregular-income baseline and cash forecast
Turn uneven deposits and dated obligations into a plan that is not forced into a fixed-paycheck template.
Calculate a six-month average-income baseline from confirmed income transactions.
See a selectable 13-week cash-flow forecast and the projected low point.
Add future income, bills, transfers, and one-time events with exact dates.
Confirm or reject detected recurring patterns before they shape the forecast.
Important: A complete forecast needs current cash balances plus saved events or confirmed recurring patterns; a statement import alone is not enough.
03Included on Free
Budgeting and month-to-month planning
Assign the baseline across real priorities, then see how actual transactions affect the plan.
Create and edit budget categories and monthly assignments.
Track spending against the current plan and surface amounts still unassigned or overassigned.
Choose category rollover behavior, including capped or full-net carry rules.
Use a monthly close checklist and review unresolved transaction issues.
Important: Rubato distinguishes the income-based planning ceiling from cash that may be available in an account.
04Included on Free
Savings goals, sinking funds, and debt payoff
Give future needs a date and contribution schedule while keeping debt assumptions visible.
Create savings goals with target amounts and dates.
Build weekly, biweekly, or monthly sinking-fund and goal-funding schedules.
Compare debt avalanche, snowball, hybrid, and current-payment forecasts.
Model debt scenarios with rates, promotional periods, fees, and additional payments.
Important: These are deterministic planning comparisons. Rubato does not move money or make debt payments.
05Rules-based core features
Weekly actions, alerts, and Rubato Score
Translate the plan into a short list of decisions and show which missing inputs limit confidence.
Generate a rules-based weekly action checklist after cash-safety guardrails are applied.
Accept, snooze, complete, or undo individual action items.
Review active, snoozed, and dismissed Money Inbox items.
Track the Rubato Score across cash flow, debt health, budget adherence, emergency savings, and savings consistency.
Important: Rules-based guidance is included on Free. Paid-plan AI reviews are separate and always optional.
06Manual planning + connected data
Investments, retirement, and crypto planning
Model long-term choices without giving Rubato authority to trade or move assets.
View connected investment accounts, holdings, allocation, and cost basis when a provider supplies it.
Inspect holding history and recorded purchase markers with read-only, potentially delayed market data.
Build a retirement projection with editable savings, contribution, return, inflation, spending, and income assumptions.
Compare lower-return and Social Security sensitivities, contribution guardrails, and recurring crypto-purchase plans.
Important: Manual retirement inputs do not require a connection. Connected balances need a paid plan and supported provider data. Crypto plans hand off to an external provider; Rubato never trades.
07Free and paid
Privacy, exports, and account control
Keep the user in control of what enters Rubato, what leaves it, and when optional services are used.
Use the core product without a bank connection.
Keep the selected statement file in the browser; Rubato saves only transactions you confirm, not the original file.
Export account data as JSON on Free or add CSV reports on a qualifying paid plan.
Manage sessions, privacy choices, support requests, and account deletion from settings.
Important: Optional AI reviews follow the separate AI disclosure and are not included in Rubato Free.
08Paid plans
Connected automation and household access
Add synchronization, longer history, and shared access only when those conveniences become useful.
Connect supported institutions through Plaid and use scheduled account synchronization.
Core supports up to five Plaid connections; Unlimited plans are subject to reasonable use.
Expand visible history from three months on Free to 12 months or full available history by plan.
Use a shared workspace for two adults on Unlimited Family.
Important: Connected account and investment coverage depends on institution, account type, region, and provider availability.
Plan availability
What is free, what is paid, and what needs data.
Free is a permanent $0 plan, not a temporary trial. A bank connection and payment method are not required to use it.
Feature
Rubato Free
Paid plans
Prerequisite or limit
Manual accounts, balances, and transactions
Included
Included
No bank connection required
CSV, OFX, and QFX statement imports
Included
Included
Review and confirm transactions before saving
Six-month baseline and 13-week forecast
Included
Included
Needs confirmed income and forecast-ready cash-flow inputs
Budgets, goals, debt, retirement, weekly actions, and score
Included
Included
Results depend on the details you provide
Connected sync and read-only connected investments
Not included or required
Included by plan
Supported Plaid institution and account data
Optional AI reviews
Not included
10, 30, or 50 pooled per month
Monthly allowance depends on plan
Visible transaction history
3 months
12 months or full available history
History window depends on plan
Data exports
JSON export
JSON export and CSV reports
CSV reports require a paid plan
Household workspace
One member
Two adults on Unlimited Family
Family access requires Unlimited Family
For exact prices and quotas, use the current pricing page. Product access can also depend on data readiness, supported institutions, provider availability, and account type.
Product boundaries
What Rubato does not claim to do.
Forecasts and projections are models based on the inputs available; they are not guarantees.
Rubato does not move money, pay bills or debts, execute trades, or hold assets.
Historical market data can be delayed and is not a trading quote or performance promise.
AI reviews are optional paid-plan tools, not financial advice and not required for the core rules-based workflow.
Rubato is educational planning software, not individualized tax, legal, investment, or financial advice.
Common questions
Start with the workflow you need now.
Can I use Rubato without connecting a bank?
Yes. Enter accounts, balances, and transactions manually or import CSV, OFX, or QFX statements on Rubato Free.
Do imported statements power the baseline and forecast?
Confirmed income transactions can power the six-month baseline. The 13-week forecast also needs current cash balances plus saved future events or confirmed recurring patterns.
Which features require a paid plan?
Connected-bank synchronization, optional AI review allowances, longer history, CSV reports, advanced alerts, and the two-adult family workspace vary by paid plan. The pricing page lists exact limits.
Does Rubato make transactions or investment trades for me?
No. Rubato plans and models choices, but it does not move money, make payments, or execute trades.
See the product before adding your data
Try Rubato with fictional data or start free.
The public demo is isolated and read-only. Rubato Free requires no bank connection and no payment method.
First-party product feature catalog published and reviewed August 5, 2026 by the Rubato Editorial Team. Plan terms and product behavior can change; the pricing, security, privacy, and AI disclosure pages state the current public limits and safeguards.
