Pricing · Individual

Pick a level. Change it anytime.

Four capability levels, additive only. Every level works for both Household and Nomad planners — the engine is the same, the price is the same. Start free, add what you need.

Introductory launch pricing — these rates are locked in for founding subscribers. Prices may increase for new subscribers after launch; you'll keep your rate as long as your subscription stays active.
Level 1
Cloud
Free
Forever. No card required.
  • All 15 planner screens
  • Secure cloud-saved scenarios
  • Access across devices
  • Audited Monte Carlo · 1,000 paths
  • Single plan · no sharing
Household
  • Home base, family, late care screens
  • Housing chain (primary → bridge → retirement → CCRC)
  • ACA → Medicare transition
Nomad
  • Rotation builder · segment ledger
  • FEIE + SECA math · quarterly schedule
  • IPMI line · launchpad-state flag
Intro price
Level 2
Sync
$3.99 / month
Billed monthly · cancel anytime
  • Everything in L1
  • Version history across devices
  • Priority email support
Household
  • Household sharing (2 seats)
  • Scenario snapshots & diff
Nomad
  • Nomad sharing (2 seats)
  • Segment snapshots · rotation version history
Intro price
Level 4
AI
$14.99 / month
Billed monthly · cancel anytime
  • Everything in L3
  • AI explanation on every tile
  • Scenario diff in plain English
  • Priority feature access
Household · 5 co-pilot topics
  • Medicare · LTC · housing
  • Roth conversion · RMDs
Nomad · 5 co-pilot topics
  • FEIE · visa regimes · IPMI
  • S-Corp election · Coast-FIRE
Same price for Household and Nomad. Switch shells anytime — your plan data comes with you.
For advisors
Planner Desk License

Professional seat for financial advisors working with clients. Unlimited client plans, white-label options, and priority support. Priced per seat, billed annually.

See desk pricing
Can I switch levels later?
Yes. Levels are additive — upgrading adds capabilities without rebuilding your plan. Downgrading preserves your data; features just stop appearing until you upgrade again.
Is the planner really free at Level 1?
Yes. The full planning engine, all 15 screens, and cloud-saved scenarios are free forever. Paid levels add sharing, connected facts, and AI.
Does Household cost more than Nomad?
No. Same price, same engine. The shell adapts to your life pattern — pricing doesn't change.
What payment methods are accepted?
Major credit cards and Apple/Google Pay. Enterprise and advisor desk licenses can be invoiced annually.
Does it handle FEIE?
Yes — per-segment flag plus Physical Presence or Bona Fide Residence selection. Housing exclusion included. The plan applies FEIE to federal tax but leaves SECA on full net SE.
Can I model quarterly SE tax payments?
Yes — SECA runs on full net SE at 15.3% up to the wage base. The plan displays the four quarterly payment amounts each year.
Sole prop, LLC, or S-Corp — can I compare?
Yes — entity selection changes the payroll-tax base and the reasonable-salary line. Solo 401(k) contribution limits follow accordingly.
Can I model 3+ visa regimes in one plan?
Yes — each segment carries its own tax regime (NHR, LTR, Beckham, treaty, territorial, or domestic) and visa expiry year. The plan flags expiry to force a segment decision.
Does the plan know about sticky states?
Yes — state domicile flag with launchpad-state guidance. Sticky states (CA, NY, SC, VA) surface a warning if you try to leave without clean severance.