Choose Your Financial Future
Start free, upgrade when you're ready for AI-powered guidance and real money back
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 Payday Brief (Lite) - 1 per month
- • AI Micro-Lesson (Lite) - 1 per week
- • AI Categorization helper
Perfect for: First win + clarity. Limits kick in when life changes → upgrade trigger
or $99/year (save $45)
The behavior change engine
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 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 holds you accountable and corrects you before you slip
or $299/year (save $180)
Real money back - pays for itself
Core Feature
Monthly Audit + Savings Playbook
- • Find real dollars to recover
- • Fee waiver tracking
- • Bill negotiation outcomes
- • Optional human review
AI Premium Features
- • 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. 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.
What if Operator doesn't find me money?
If we don't find at least $40 in savings/waivers in your first month, message support and we'll refund you or give you a free month.
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.