Pricing

Free forever. Paid by choice.

Core planning is free. Pro adds the household-complexity features serious planners need. Subscription-funded, not data-funded.

Free
$0forever

For starting out, casual budgeting, or evaluating the tool.

  • ✓Cross-device cloud sync
  • ✓Budget tracking & cash flow
  • ✓Net worth snapshots
  • ✓Single & married filing
  • ✓Yours / Mine / Joint accounts
  • ✓Basic retirement projection
  • ✓One-page PDF summary
  • ✓Recurring bills calendar
  • ✓Spouse retire-age modeling
  • ✓Up to 4 accounts total
MOST POPULAR
Pro
$12/mo · $99/yr · $179 lifetime
Launch pricing, first 500 lifetime members at $179, then $249

For real planning: complex households, FIRE goals, retirement strategy.

  • ✓Everything in Free
  • ✓Unlimited accounts
  • ✓Withdrawal strategy comparison
  • ✓Roth conversion modeling
  • ✓IRMAA & healthcare gap modeling
  • ✓529 college planning with overlap
  • ✓Bonus + RSU + equity grants
  • ✓Live ticker prices (Finnhub)
  • ✓Monte Carlo stress testing
  • ✓Named scenarios with side-by-side
  • ✓Multi-page detailed PDF report
  • ✓Shared read-only plan link
  • ✓Life Events Wizards
Advisor
$25/mo · $249/yr

For fee-only financial planners managing client plans.

  • ✓Everything in Pro
  • ○Manage 50 client plansSOON
  • ○White-label PDF exportsSOON
  • ○Co-branded share linksSOON
  • ○Light client CRMSOON
Items marked Soon are on the public roadmap, included in your subscription when they ship.
Compare

What's in each tier

FeatureFreeProAdvisor
Foundation
Cross-device cloud sync✓✓✓
Account creation & profile✓✓✓
Filing status (single or married)✓✓✓
Budget tracking✓✓✓
Net worth snapshots✓✓✓
Recurring bills calendar✓✓✓
Basic retirement projection✓✓✓
One-page PDF summary✓✓✓
Yours / Mine / Joint accounts✓✓✓
Spouse retire-age modeling✓✓✓
Account limit4UnlimitedUnlimited
Pro features
Withdrawal strategy comparison-✓✓
Roth conversion modeling-✓✓
IRMAA & healthcare gap modeling-✓✓
529 college planning with overlap-✓✓
Bonus + RSU + equity grants-✓✓
Live ticker prices (Finnhub)-✓✓
Monte Carlo stress testing-✓✓
Named scenarios with comparison-✓✓
Multi-page detailed PDF report-✓✓
Shared read-only plan link-✓✓
Life Events Wizards-✓✓
Advisor only
Manage 50 client plans--SOON
White-label PDF exports--SOON
Co-branded share links--SOON
Light client CRM--SOON

Common questions

Is Free actually free?
Yes. No trial, no card required, no time limit. Free has everything most casual budgeters need indefinitely. The 4-account limit is real, not a paywall trick.
Why offer lifetime pricing?
Subscription fatigue is real, especially in the FIRE community. Lifetime exists for users who'd rather pay once. The first 500 lifetime members get launch pricing at $179, then it moves to $249.
What if Pro features I want aren't built yet?
Items marked Soon are on the public roadmap. Your Pro subscription includes them the moment they ship. No upgrade required. We mark them clearly so you know what you're buying.
Can I cancel anytime?
Yes. Monthly cancels immediately. Annual runs to end of term. Lifetime is non-refundable after 30 days.
What happens to my data if I downgrade?
Your data stays. Pro features hide, but the underlying numbers are preserved. Upgrade later and everything reappears as it was.
Will prices change?
If we raise prices, existing subscribers stay at their original price (grandfathered). Lifetime members are locked in forever. No future price increase applies.
Do you sell my financial data?
No. Our business model is subscriptions, not data. We don't sell, share, or monetize your data. See the Privacy page for full details including how we'd handle an acquisition.
How do I get Advisor tier?
Email us. Advisor tier requires onboarding for client plan management and isn't self-serve yet. We respond to advisor inquiries within one business day.