Pricing
Choose the level of guidance that fits where you are
Start free to get clarity. Upgrade only when you’re ready to build momentum. Modern Money Mastery adapts to your stage, your goals, and the next right moves.
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Trial: 30 days
Manual/CSV always works
Plaid: gated by tier
What you’re buying
You’re not paying for “content.” You’re paying for clarity, sequencing, and momentum —
a roadmap that tells you what to do next and proves it’s working.
Free
Best for getting clarity fast.
For: “Where do I stand?”
$0
/ month
Money Score
Get an objective score + stage-based explanation.
Roadmap preview
See your next steps at a high level (no overwhelm).
Starter actions
1–3 simple moves to stabilize and build momentum.
Education previews
Short explainers that match your stage.
Free is perfect to start. Upgrade later when you want the full roadmap + tools.
Core
Best for building momentum with the essentials.
For: “Help me make progress weekly.”
$9.99
/ month
Full personalized roadmap
Your next 3 moves, ordered by impact, updated as you progress.
Budget & cash-flow tools
Reality budget, categories, rules, check-ins, and progress loops (manual + CSV included).
Stage 1–2 modules
Stability → control → surplus, without overwhelm.
XP, streaks & history
Stay motivated with progress tracking and streak multipliers.
1 Plaid institution
Connect one bank/broker once upgraded. Entitlement enforced server-side.
Trial behavior: manual/CSV works, Plaid stays locked until upgrade completes.
Most Popular
Best value for long-term results
Premium
Best for debt payoff, resilience, and long-term growth.
For: “Help me optimize and build wealth.”
$14.99
/ month
Advanced stages (3–4)
Debt payoff engine, emergency fund ladder, and investing foundations.
Goal-specific tracks
Home, family, career, and other tracks that re-order your roadmap intelligently.
Projections + what-ifs
Scenario planning and planning tools that make big decisions easier.
2–3 Plaid institutions
Connect multiple accounts (bank + credit + brokerage). Entitlement enforced server-side.
Priority roadmap & rituals
Close-out rituals, stronger streak rewards, and deeper guidance loops.
Premium is where progress accelerates. Manual/CSV still supported for everything.
Compare plans
Start free • Upgrade when ready
Each tier unlocks deeper guidance at the right time — without forcing you into complexity too early.
| Feature | Free | Core | Premium |
|---|---|---|---|
| Money Score | ✓ | ✓ | ✓ |
| Stage explanation | ✓ | ✓ | ✓ |
| Personalized roadmap | Preview | ✓ | ✓ |
| Budget & cash-flow tools | — | ✓ | ✓ |
| Weekly check-ins | — | ✓ | ✓ |
| XP, streaks & progress | Limited | ✓ | ✓ |
| Debt payoff engine | — | — | ✓ |
| Emergency fund & resilience planning | — | — | ✓ |
| Investing & optimization | — | — | ✓ |
| Goal-specific tracks | — | Limited | ✓ |
| Plaid institutions | 0 | 1 | 2–3 |
Recommendation
If you’re unsure: start Core. You’ll get the full roadmap and the tools to build momentum — then upgrade to Premium
when you’re ready for debt payoff, resilience, and long-term growth.
How upgrades work
When you choose a plan, we set an “upgrade intent” and send you to Billing to complete checkout/portal. Once entitlements are active, the app unlocks features automatically.
Entitlements (source of truth)
Plaid access is gated server-side by subscription entitlements. Manual/CSV always works.
Trial supports manual/CSV; Plaid unlocks after upgrade completes.
Questions?
If you’re unsure, start Core and upgrade later in one click.
We’ll keep this page simple. Billing is the control center.
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