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Start free. Upgrade when you're ready. No pressure, no tricks.
30+ free calculators — no signup required
85+ calculation engines built on IRS & SSA data
No Plaid, no account linking — your data stays on your device
Tools that rival $2,000+/year financial advisor services
Billed monthly. Cancel anytime — 14-day money-back guarantee.
Start your financial education
No credit card required
The complete financial operating system
14-day money-back guarantee
Five purpose-built AI surfaces — each tuned to your numbers
14-day money-back guarantee · AI credits never expire within billing period
Every plan includes everything in the plans below it.
| Feature | Free | Loyalty$3/mo | Core$8/mo | Pro$15/mo |
|---|---|---|---|---|
| The 8 free calculators | ✓ | ✓ | ✓ | ✓ |
| All 14 explorers | ✓ | ✓ | ✓ | ✓ |
| Your Freedom Number | ✓ | ✓ | ✓ | ✓ |
| Freedom Ridge: the 10-step plan, and where you are on it | ✓ | ✓ | ✓ | ✓ |
| Set and track your own goals | ✓ | ✓ | ✓ | ✓ |
| Try a what-if — on sample numbers, and on yours | ✓ | ✓ | ✓ | ✓ |
| Accounts | 3 | 3 | Unlimited | Unlimited |
| The 122 lessons | First 3/path | ✓ | ✓ | ✓ |
| Debt payoff calculator | ✓ | ✓ | ✓ | ✓ |
| The Debt Hub: payoff plan, advisor, progress | — | ✓ | ✓ | ✓ |
| Challenges, streaks and milestones | — | ✓ | ✓ | ✓ |
| See the community feed | ✓ | ✓ | ✓ | ✓ |
| Cheer people on, and share your own milestones | — | ✓ | ✓ | ✓ |
| Your plan and its projection | — | — | ✓ | ✓ |
| Tax modeling | — | — | ✓ | ✓ |
| Withdrawal simulation | — | — | ✓ | ✓ |
| Monte Carlo models | 1 (explorer) | 1 (explorer) | 4 | 4 |
| Saved what-ifs on your own plan | — | — | Unlimited | Unlimited |
| Scenario building, backtests and stress tests | — | — | — | ✓ |
| PDF and CSV reports | — | — | ✓ | ✓ |
| Sage, the AI tutor | 3 to try | 3 to try | 100 a day | 100 a day |
| The AI debt advisor, on your own debts | — | 20 a month | 500 a month | Unlimited |
| The five AI surfaces on your own numbers | — | — | — | ✓ |
Six rungs. Loyalty is the Debt Hub and every lesson for $3; Core is everything; Pro and above add the AI surfaces and stronger models.
Start your financial education
Debt Hub + Learning — the two things that compound
The complete financial operating system
Five purpose-built AI surfaces — each tuned to your numbers
Upgraded reasoning for deeper, multi-step analysis
The top model on your numbers
Pro isn't a generic assistant bolted onto a settings page. It's five distinct surfaces, each living on the page where you'd actually use it — every one reading your real numbers, not generic advice.
A real written 5-section retirement plan — where you stand, your next 12 months, the 5-year arc, the pre-retirement transition, and two risks specific to you. Not a chat reply: a plan.
Your simulation’s success rate, translated into plain English: what it means for your life, where the failure scenarios cluster, and three concrete moves to bridge the gap — ranked by impact.
Takes your risk-scorecard grades and writes 3-5 callouts unique to your situation — each with the specific lever to pull this quarter, not a generic warning.
Sage reads your profile and what’s on your mind, then picks the 3-5 lessons to start with, in order, with a one-sentence “why for you” on each. Pairs with hands-free autoplay.
A warm monthly read on your finances: this month’s snapshot, what’s working, and the single highest-leverage move to make — the discipline of one clear focus.
Every surface reads your real accounts, income, and goals — on the page where you would use it.
Get ProTry any paid plan risk-free. If it's not for you, get a full refund within 14 days — no questions asked.
Not sure how we compare to other tools? See our feature comparison →
“Know your FIRE number isn't a fantasy — Monte Carlo simulation shows your actual confidence level.”
— Example: early saver scenario
“Find Roth conversion headroom you didn't know you had — and see the lifetime tax impact.”
— Example: pre-retiree scenario
“See exactly how much avalanche vs. snowball saves you in years and dollars — the calculator makes it obvious.”
— Example: debt payoff scenario
“Started late? The catch-up contribution planner shows you exactly how to close the gap.”
— Example: late starter scenario
“See your money compound over 30 years — even $200/month becomes powerful when you visualize the growth.”
— Example: first-time investor scenario