How Cushion works

Cushion’s budgeting features are similar to other budget apps in that you sync your bank account to organize and track your bills. But unlike other budgeting apps, Cushion includes the integration of Buy Now, Pay Later installments (BNPL), including Klarna, Afterpay and Zip, into your budget. You also have the ability to sync all your bills and BNPL commitments and their payment status to your Google or Yahoo calendar.

What we like about Cushion

Cushion used to offer bill tracking and organization for free, which was more than what many other budgeting apps could say. Cushion now starts at $4.95 per month. The Autopilot plan lets you track recurring bills, manage BNPL loans, sync calendars and bank accounts, get AI insight into your spending and help you identify subscriptions you want to cancel.

Many budgeting apps, like Goodbudget, require a higher-tier plan to connect your bank accounts. And many other apps charge you monthly fees for account syncing or tracking features — a bit counterintuitive if you’re looking to watch your spending.

Where Cushion falls short

A downside with Cushion is that it’s changed its focus multiple times, such as dropping its credit-building services and bill negotiation feature. As it stands now, it’s really just a budgeting app. The budgeting services also used to be included in a free plan, but that now that’ll cost you at least $4.95 per month.

Cushion fees and access

Compare Cushion to other credit-building products

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Finder score 10 Excellent Chime Secured Credit Builder Visa® Credit Card	Finder score 10 Excellent	$0 per month	$0	Must have a Chime Checking Account	Equifax, Experian, TransUnion	A secured credit card that helps build credit and is designed to work with Chime’s Checking account.	Go to site More info Compare product selection Compare	loading

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Customer reviews for Cushion

On the whole, Cushion has many more positive reviews than negative. The app’s free bill and tracking feature gets frequent praise, and those who signed up for the credit-building plans are pleased. Here’s a summary of its ratings on BBB, TrustPilot, and other customer review platforms.