Choose Your Plan
Start free, upgrade anytime. Cancel anytime. You're always in control.
Kickoff
$0forever
Start taking control of your money
Monthly Plan Generator
Get 1 clear plan per month with a "safe until X date" indicator
- Basic payday planning
- Safe spending tracker
- Bill due date alerts
- Simple budget overview
POPULAR
Discipline
$11.99/month
Stay on track with smart accountability
Accountability Loop
Decision Gate + Consequence Preview + 48-hour Recovery Protocol when you slip
- Everything in Kickoff, plus:
- Decision gates before big purchases
- Real-time consequence previews
- 48-hour recovery protocol
- Weekly progress check-ins
- Goal tracking & milestones
Operator
$39.99/month
Get money back with expert-level help
Monthly Plan Audit
Find real dollars to recover: fee waivers, bill negotiation, hardship plans
- Everything in Discipline, plus:
- Monthly plan audit by experts
- Savings & waiver playbook
- Bill negotiation scripts
- Hardship plan templates
- Priority support
- Money recovery tracking
Money back guarantee
All plans include: Unlimited plan generation • Mobile access • Data export • Email support
You can upgrade, downgrade, or cancel anytime from your account settings.