Pricing
Start free.
Upgrade when you're ready.
Free gives you clarity. Paid gives you a plan. No pressure. Most people know which they need after seeing their snapshot.
Free · Always
Clarity
Know exactly where you stand. For the first time.
$0
forever
- Net worth, cash flow, debt & investment overview
- Financial Health Score out of 100
- Your 3 biggest financial risks identified
- Your 3 biggest financial opportunities identified
- Basic retirement projection: On track / At risk / Off track
- Summary of your financial snapshot in plain English
- Plain-English explanations of your snapshot. No jargon.
No action plan · No scenario modeling · No ongoing support
Get Started Free
No credit card. No time limit. Genuinely free.
Preview: what comes next
Based on your snapshot, your highest-impact next step is 🔒 unlocked with a plan.
Unlock your full action plan to see exactly how to act on it. →
⭐ Founding Member · Limited Spots
Paid · Founding or Pro
Confidence + Control
Your financial snapshot, turned into a plan and the support to execute it.
From $0
/ yr · see tiers below
- Everything in Free
- Personalized step-by-step action plan, prioritized by dollar impact
- "What if?" scenario modeling: house, job change, early retirement, and more
- Monthly progress tracking and goal check-ins
- Tax optimization and account structuring (Canada-specific)
- Debt prioritization and investment allocation guidance
- Full AI advisor that remembers your context and explains trade-offs
- Document upload and auto-parsing (NOAs, investment statements, insurance)
- Full living financial plan with timeline view
Full refund if you cancel within 14 days. Cancel anytime.
☕
A few coffees a month to get your finances in order.
Early Members pay $10/month. That's it. In return, you get a complete picture of your finances, a prioritized action plan, and support to actually follow through on it.
Paid Plan · Founding Member Pricing
The earlier you join, the less you pay. Forever.
Your rate locks in the moment you upgrade, and never goes up, regardless of what standard pricing does later.
| Membership | Annual price | Monthly option | Rate | |
|---|---|---|---|---|
|
Founding Pioneer Members 1 – 100 |
Free forever | — | Locked forever | Claim Free Spot |
|
Early Members Members 101 – 1,000 |
$99 / yr | $10 / mo | Locked forever | Lock In $99/yr |
| After 1,000 members (standard) | $199 / yr | $19.99 / mo | Regular pricing | Available after founding spots close |
All paid tiers include the same full product. Your price reflects when you joined, not what you get.
Available to the first 25,000 members
Referral Program
Refer someone. Save money permanently.
Every person you refer who joins as a paid member earns you a discount. It's applied automatically to your next billing cycle, and every one after.
Every annual referral earns you $10 off your plan.
When they join on an annual plan, your credit applies automatically at your next renewal.
They join on any annual plan
Credit applied at your next renewal
$10 off your annual
Refer enough people → Pay nothing. Forever.
Referral credits stack with no cap. If you're an Early Member at $99/yr, 10 referrals cover your plan entirely, and that stays free for as long as you're a member. There's no ceiling and no expiry on what you can earn.
How it works: Referral credits apply automatically to your next billing cycle. Credits stack with no cap. Refer enough people and your membership costs nothing. This program is available to members who joined within the first 25,000 spots.
We don't sell products.
No investment products, no referral fees, no hidden commissions. Your subscription is our only revenue, so there are no conflicts of interest. We just give you pure, unbiased advice.
Cancel anytime.
Cancel from your account with one click. No calls, no retention loops, no fees. Monthly subscribers keep access until their billing period ends.
Your data is yours.
We don't sell your data, share it with advertisers, or profile you for third parties. Delete your account and all your data at any time.
Not investment advice.
We're a tool that creates the plan for your finances, but we're not a licensed advisor. For complex situations, use Your Pocket Advisor alongside a fee-only CFP.
No credit card to start
Full refund if you cancel within 14 days
Cancel anytime
Founding rate locked forever