Yes. The Free plan is permanently free and has no time limit. It includes manual portfolio tracking, net-worth calculation and an Expected Path forecast.

Free lets you build a plan manually, track your total and FI-eligible net worth, set an independence target and see a deterministic Expected Path forecast. You can save one scenario and track holdings in your base currency.

Plus adds probabilistic forecasting — Monte Carlo simulations, confidence ranges, a likely FI window and retirement sustainability analysis — along with unlimited scenarios, contribution phases and multi-currency planning. Pro includes everything in Plus and adds automatic broker synchronisation so your portfolio stays up to date without manual entry.

Yes. Plus users manage their holdings manually whenever their portfolio changes. Automatic broker synchronisation is a Pro feature.

Pro connects to supported brokers to import your holdings and balances on a regular schedule. It includes integration health monitoring and portfolio-change history.

Supported brokers are listed in the integrations section of your account. The list is expanding — if your broker is not yet available you can request it.

Yes. You can upgrade, downgrade or cancel at any time from your account settings. When you cancel, you keep access to paid features until the end of your current billing period.

All your data remains intact. Features exclusive to your previous plan become read-only — nothing is deleted.

Yes. You can export your portfolio and plan data from your account settings.

No. You can create a Free account without entering any payment details.

The Free plan is available permanently at no cost. Paid plans do not currently include a trial period — you can start on Free and upgrade when you are ready.

Annual billing is charged once per year at a reduced rate. Plus is $120 per year (equivalent to $10 per month) and Pro is $500 per year (equivalent to roughly $41.67 per month). You save the equivalent of two months compared to monthly billing.

Displayed prices are exclusive of tax. Applicable taxes are calculated at checkout based on your location.

All connections use TLS encryption. Your financial data is never sold, shared with advertisers or used for marketing. Broker integrations request only read access to positions and balances.