Baselane Pricing & Features, Explained (2026)

TL;DR: As of August 2026, Baselane has two tiers: Core (free — landlord banking, bookkeeping essentials, and rent collection with a tenant portal) and Smart ($20/month — adds AI transaction auto-tagging, advanced reporting, cost-segregation tools, faster 2-day rent deposits, shared access, and priority support, with a 30-day free trial). Banking has no monthly maintenance fees, though some individual transactions carry fees. This guide explains what each tier includes in plain English, and where a home-and-rental hub like Okoniq ($9/month) draws the lines differently.

_Last reviewed: August 2026 · 6 min read_

Baselane's pricing is refreshingly simple once you know what each tier is really for. Below is a plain-English breakdown of the plans, the features that matter, and the fees to watch — plus honest notes on how they compare to Okoniq Property Hub. All Baselane figures come from its public pages as of August 2026 — always confirm the latest on baselane.com.

Baselane Core — free

The free tier is built around landlord banking and bookkeeping essentials:

• Landlord banking with unlimited property-specific checking and savings accounts (provided through Thread Bank, Member FDIC — Baselane is a fintech, not a bank)
• No monthly account maintenance fees or minimum balances
• Debit cards and entity-level tracking to keep each property's money separate
• Online rent collection with a tenant portal, automated invoices, reminders, and late fees
• Bookkeeping essentials and the mobile app

Who it's for: Landlords who want a no-cost place to bank per property, collect rent online, and keep basic books.

Baselane Smart — $20/month

Smart is where Baselane adds automation on top of the banking:

• Everything in Core
• AI transaction auto-tagging and advanced tagging rules
• Auto-receipt matching
• Balance-sheet reports and cost-segregation tools
• Faster 2-day rent deposits
• Shared access for a bookkeeper or partner
• Priority support
• A 30-day free trial

Who it's for: Landlords who want their books to categorize themselves, faster deposits, and richer reporting at tax time.

Fees to know about

Baselane's subscription is simple, but banking is transaction-based, so a few fees matter as of August 2026 (confirm the current schedule):

• ACH rent collection carries a small per-transaction fee that can be waived (you absorb it, pass it to the tenant, or route deposits into a Baselane account).
• Card rent payments carry a convenience fee, typically paid by the tenant.
• Wires and mailed checks carry per-item fees.
• Tenant screening is free to the landlord; the applicant pays the screening fee.

None of these are unusual for landlord banking — just budget for them so "free" matches your actual usage.

How Okoniq draws the lines differently

Okoniq organizes its tiers around what you do with the property, not banking volume. As of August 2026:

• Home — $9/month ($90/year): up to 3 properties, maintenance log, one-tap vendor dispatch, automatic utility-bill tracking, seasonal checklists, Emergency Binder, and free year-end tax exports (Schedule E).
• Home Plus — $15/month ($150/year): up to 20 properties, plus home-value comparables, investor analysis, sell-ready tax-basis tracking, a renovation cost estimator, and a refinance analyzer.
• Landlord / Landlord Pro — $19–$29/month: tenants, per-tenant rent tracking, security deposits, and a tenant portal.

Two differences stand out:

1. The model. Baselane centers on banking, bookkeeping, and rent collection — with a free plan — while Okoniq centers on home upkeep, HOA tools, and taxes, with no permanent free tier (its 30-day trial is the free tier). Okoniq does not provide banking, process rent payments, or run automated bank sync; it tracks rent as mark-paid.
2. What's bundled free. Okoniq includes tax exports at every tier and captures bills automatically by email; Baselane bundles banking, automated bookkeeping, and tenant screening. You're paying for different bundles — match the bundle to your needs.

See the full comparison in Baselane vs Okoniq, or if you're weighing whether to pay at all, read Is Baselane worth it?.

Reading the value: match the plan to the job

A quick way to decide which Baselane tier — or whether to look elsewhere:

• Want property-specific banking and rent collection, free? Core.
• Want automated books, faster deposits, and richer reports? Smart.
• Want home maintenance, HOA tools, vendor dispatch, or an Emergency Binder? Compare with Okoniq or its plans before committing. For a related accounting-first option, see Best Baselane alternatives (2026) and Switching from Baselane to Okoniq.

FAQ

How much is Baselane per month?

As of August 2026, Baselane's Smart plan is $20/month, and the Core plan is free. Smart includes a 30-day free trial. Banking has no monthly maintenance fees, though some transactions carry per-item fees. Confirm current pricing on Baselane's site, as plans can change.

Does Baselane charge for rent collection?

Rent collection is included, but payment processing can carry fees — a small per-transaction ACH fee (waivable) and a card convenience fee typically paid by the tenant, as of August 2026. Check Baselane's current fee schedule to see what applies to your setup.

Is Baselane Smart worth it over the free Core plan?

It depends on whether you'll use automated bookkeeping, faster 2-day deposits, and advanced reporting. If you only need basic banking and rent collection, Core may be enough. If you want your books to categorize themselves, Smart unlocks that.

How does Baselane pricing compare to Okoniq?

Baselane's paid Smart plan is $20/month with a free Core tier, while Okoniq's paid plans run $9–$29/month with a 30-day trial and no permanent free tier. Baselane centers on banking and bookkeeping; Okoniq centers on home upkeep, HOA, and free tax exports. The better value depends on which features you'll actually use.

This breakdown uses publicly available information about Baselane as of August 2026 and is not affiliated with or endorsed by Baselane or Thread Bank. Any tax references are general estimates, not tax advice — consult a CPA. Pricing and features change — verify the latest details on the provider's website.