Everything — APR avalanche, BNPL radar, windfall engine, AI advisor, paystub importer, sharing — free for a full year. If it’s earned its keep by then, $29/yr keeps it on. If not, walk away, no hard feelings.
No tiers. No “upgrade to unlock.” Your first year is the trial — a real year, with every feature live.
No credit card · no autorenewal · we’ll ask before charging
We don’t do envelope budgeting; they don’t do APR avalanche or BNPL radar. Different jobs — but the price difference is real.
We'll ask — no silent charges, ever. If you say yes, it's $29/yr to keep going. If you don't, the plan is for accounts to go read-only (your data stays put and stays exportable; nothing is deleted). We'll give you clear notice before any change takes effect.
We're not trying to compete with Monarch or YNAB on features — we do one thing (get you out of debt, fast) and we charge what it costs to run. AI calls and paystub parsing aren't free on our side.
You'd keep full access to view your debts, charts, payoff projections, payment history — everything you've already tracked. New entries and new AI questions would need a paid plan. No data deletion, ever — and you can export everything as JSON from Settings at any time.
The $29/yr is the product. We don’t have a second revenue stream running on your back — not ads, not data resale, not “partnerships.” If you pay us, the incentives line up.