Choose Your Financial Future
Start free, upgrade when you're ready for AI-powered guidance and real money back
Pay monthly, cancel anytime.
Forever free, get your first win
Core Feature
Monthly Plan Generator - Get 1 clear plan per month with "safe until X date"
AI Features
- • AI Advisor: 1 / month
- • AI Payday Brief (Lite) - 1 per pay cycle
- • AI Categorization helper
Perfect for your first win and clarity. Limits kick in when life changes, then you can upgrade.
Switch to annual to save $15.89
More AI power, more control; typical users free up $100+/mo
Core Feature
Enhanced Planning
- • 3 payday plans per month
- • AI Advisor: 5 / month
- • 20 purchase checks per month
- • 10 danger predictions per week
AI Features
- • AI Payday Brief (Lite)
- • AI Categorization
- • Basic Decision Gate
Perfect for users who want more AI guidance without the full accountability features.
Switch to annual to save $25.89
The behavior change engine; typically finds $150-$300/mo at-risk spend
Core Feature
Full Accountability Loop
- • Decision Gate (real-time when spending off-plan)
- • Consequence Preview (delays debt-free by X days)
- • Commitments + Trust Score
- • 48-hour Recovery Protocol
AI Pro Features
- • AI Advisor: Unlimited
- • AI Weekly Personal Brief
- • AI Daily 60-second Check-in
- • AI Pattern Detector (top 3 + fixes)
- • AI Consequence Translator
- • AI Plan Surgeon (Lite)
Perfect for building discipline. AI keeps you accountable and helps you course-correct before you slip.
Switch to annual to save $79.89
Outcome-focused: monthly audits + negotiations to recover real dollars
Core Feature
Monthly Audit + Savings Playbook
- • Find real dollars to recover
- • Fee waiver tracking
- • Bill negotiation outcomes
- • Optional human review
AI Premium Features
- • AI Advisor: Unlimited
- • AI Negotiation Kit + Script Generator
- • AI Savings Finder Audit (monthly)
- • AI Plan Surgeon (Full)
- • AI handles complex volatility + multi-debt
- • Optional Accountability Buddy summaries
Perfect for outcomes. AI finds measurable dollars saved, so this tier pays for itself.
The AI Advantage
Kickoff: AI interprets your numbers, engine does the math
Discipline: AI patterns + accountability loop keeps you on track
Operator: AI finds real dollars + negotiates for you
Can I cancel anytime?
Absolutely. Cancel anytime with one click. You keep access until your billing period ends, and we'll never ask why.
Can I upgrade or downgrade later?
Yes! Switch tiers anytime. Upgrades are instant. Downgrades take effect at your next billing cycle.
How does the AI work?
Our deterministic engine does all the math (budget calculations, dates, consequences). AI provides interpretation, personalization, and coaching based on your patterns and history. It never makes up numbers.