Pricing
Your first month is on us.
Every feature unlocked for 31 days — the projections, the tax-loss harvesting, all of it. Cancel any time before the trial ends and you are not billed.
Before the plans
Why pay for a money app at all?
Empower is free. Mint was free. Both answers were the same: your data was the product being sold. Here is what a subscription buys instead.
No ads
Nothing on this screen is trying to sell you a credit card or a refinance. You are the customer, not the inventory.
Your data stays yours
We do not sell, share, or monetize your financial data. Subscriptions are the only revenue this company has.
Bank-grade plumbing
Connections run through Plaid and SnapTrade, both SOC 2 Type II. Your bank credentials never touch our servers.
The price you signed up at
Founding rates stay locked for as long as your subscription stays active. You will not open an email to find your bill doubled.
US and Canadian banks, card issuers, and credit unions through Plaid.
Direct brokerage sync through SnapTrade, including Fidelity and Schwab.
Automatic overnight sync, plus manual refresh whenever you want it.
Property, vehicles, jewelry, collectibles — tracked by hand, valued automatically where we can.
Plans
Two plans. The second one thinks ahead.
Rikdom
Billed monthly
Start 31-day free trialCancel any time before day 31
- 8 bank connections and no limit on brokerages you connect directly
- 50 properties with automatic valuations
- Blueprint budgeting with rollover and split transactions
- Monte Carlo projections 10,000 paths, sequence-of-returns risk
- Tax-loss harvesting rebalancing, and asset location
- Roth conversion, Social Security, and withdrawal modeling
- AI Insights ask questions of your own numbers
- Your partner's own login at no extra cost
Founding pricing
These are launch prices, and they stay locked for as long as your subscription stays active. They will go up as the product fills out. You keep the rate you signed up at.
Everything, side by side
The full comparison
No asterisks. If it is in the table, it is in the plan.
| Feature | Included |
|---|---|
| Connections & accounts | |
| Bank, credit card & loan sync (Plaid) | ✓ |
| Brokerage sync (SnapTrade) | ✓ |
| Bank connections (Plaid) | 8 |
| Brokerages connected directly (SnapTrade) | No limit |
| Properties tracked | 50 |
| Automated property valuations | ✓ |
| Manual accounts & real assets | ✓ |
| Connection health monitoring | ✓ |
| Balance history sparklines | ✓ |
| Portfolio groups | ✓ |
| Budgeting & spending | |
| Blueprint budgeting | ✓ |
| Auto-categorization | ✓ |
| Merchant aliases | ✓ |
| Split transactions | ✓ |
| Budget rollover | ✓ |
| Recurring detection | ✓ |
| Spending calendar & heatmap | ✓ |
| Cash flow (historical) | ✓ |
| Cash flow projection | ✓ |
| Sankey & rhythm views | ✓ |
| Spending health score | ✓ |
| Liquidity score & runway | ✓ |
| Goals | |
| Goals, progress & funding | ✓ |
| Link bank & brokerage accounts to goals | ✓ |
| Success probability gauges | ✓ |
| Velocity tracking | ✓ |
| Intelligence | |
| Monte Carlo projections (10,000 paths) | ✓ |
| Decision Center what-if | ✓ |
| Scenario comparison | ✓ |
| Tax-loss harvesting detection | ✓ |
| Rebalancing & asset location | ✓ |
| AI Insights (50 questions / month) | ✓ |
| Community benchmarks | ✓ |
| Runway builder | ✓ |
| Retirement planning | |
| Roth conversion analysis | ✓ |
| Social Security claiming optimization | ✓ |
| Withdrawal strategy (RMD + IRMAA) | ✓ |
| Reports & your data | |
| CSV export | ✓ |
| Import from YNAB | ✓ |
| Import from Monarch Money | ✓ |
| Monthly report (PDF) | ✓ |
| Security & account | |
| Two-factor authentication (TOTP) | ✓ |
| Row-level data isolation | ✓ |
| Personal API keys | ✓ |
| Partner & household sharing | ✓ |
Coming from somewhere else
Bring your history with you.
A budgeting app is only as good as the years of data behind it. Both importers map your categories, keep your splits, and show you the result before anything is written.
Import from YNAB
Categories, transactions, and split detail from a standard YNAB export.
Import from Monarch Money
Transaction history and category structure from a Monarch CSV export.
For context
What the rest of the shelf costs
Annual pricing, verified August 2026. Trial length is the column most comparison posts leave out.
| Product | Per year | Free trial | Monte Carlo & tax tools |
|---|---|---|---|
| Rikdom | $140 | 31 days | Included |
| Monarch Core | $99.99 | 7 days | — |
| Monarch Plus | $199 | 7 days | Forecasting only |
| YNAB | $109 | 34 days | — |
| ProjectionLab | $129 | — | Included |
| Copilot | $95 | — | — |
| Boldin | $144 | — | Included |
Common questions
What happens after the trial?
You pick a plan when you start your trial, but you won't be charged until the 31 days are up. Cancel anytime before the trial ends and you won't be billed.
How many banks can you connect to?
Over 10,000 across the US and Canada through Plaid, plus direct brokerage connections through SnapTrade. If yours is missing, you can add the account manually and keep everything in one place.
Can my partner have their own login?
Yes, and it costs nothing extra. Invite them to your household and they get their own email and password rather than sharing yours. You both see the same accounts, budget and goals. Billing stays with whoever set the household up.
Can I switch plans?
Yes, upgrade or downgrade at any time from your account settings. Changes are prorated automatically.
Can I cancel anytime?
Yes. Cancel from your account settings. You keep access through the end of your current billing period.
Will the price go up?
For new subscribers, probably. This is early pricing for an early product. If it happens, founding members keep the rate they signed up at. You won't open an email one morning to find your bill has doubled.
Is my financial data safe?
Your data is encrypted at rest with AES-256 by our database host and in transit with TLS 1.3, and row-level security keeps every account separate in the database. We connect through SOC 2 Type II compliant providers like Plaid and SnapTrade. We never store your bank login credentials. Optional two-factor authentication (TOTP, with backup codes) is available on every plan.
Do you sell my data?
No. We do not sell, share, or monetize your personal financial data. Our revenue comes exclusively from subscriptions.
Thirty-one days, everything unlocked.
Connect one account and see what the projection says. That is usually enough to know.
Start your free trialEverything included the whole time. Cancel any time.