Start free. Upgrade when it pays off.

Yes, our Free plan is 100% free with no credit card required to begin. It gives you access to full net worth tracking, customizable budgets, recurring expense monitoring, financial goal trackers, and up to 100 Advice AI natural language queries each month. It is ideal for individuals who want clean, automated clarity over their cash flow without ongoing subscription commitments.

Absolutely. You can upgrade, downgrade, or cancel your subscription at any moment directly from your account settings. There are no long-term contracts or lock-in periods. If you choose a monthly plan and decide to cancel, you will maintain full Pro access until the conclusion of your current billing cycle with zero penalty fees or surprise charges.

Security and user privacy are engineered into our foundation. Bank connections are established via Plaid using read-only protocols, meaning neither our systems nor any AI agent can ever execute transactions, transfer funds, or withdraw money. Credentials and tokens are encrypted at rest with military-grade AES-256-GCM encryption, database records are isolated per user via strict row-level security, and all network transmissions require TLS 1.3 encryption with strict HTTP Strict Transport Security (HSTS).

MoneyWealth AI provides grounded, algorithmic financial analysis and educational perspectives rooted directly in your verified transaction data. While it can surface spending patterns, highlight excessive subscription fees, simulate debt payoff timelines, and compare budget allocations against standard benchmarks like the 50/30/20 rule, it does not provide formal fiduciary investment, tax, or legal advice. Always consult a certified financial planner (CFP) or CPA for formal tax and estate planning.

You maintain total ownership and sovereign control of your financial records. You can export your full transaction history, budget allocations, and net worth reports at any time in standard CSV or JSON formats. If you choose to permanently delete your account, our automated purge pipeline instantly revokes Plaid bank access tokens, dissolves all API connections, and completely removes your financial profile and transaction archives from our servers.

In many jurisdictions, financial software and bookkeeping tools utilized for business expense monitoring, freelance cash flow projections, and entrepreneurial accounting may qualify as deductible operational expenses. We recommend keeping your monthly or annual subscription receipts and consulting with a licensed CPA or tax professional to confirm deductibility under your local tax regulations.

We process all membership payments through Stripe, a PCI Service Provider Level 1 certified payment gateway. We accept all major credit and debit cards, including Visa, MasterCard, American Express, Discover, as well as digital wallets such as Apple Pay and Google Pay. MoneyWealth AI never stores or handles your raw payment card numbers on our application servers.

The Family tier allows up to 5 household members to manage shared budgets, coordinate household expenses, and track unified net worth milestones while maintaining individual privacy controls. Each member receives their own secure login, private banking feeds, and individual Advice AI assistant sessions, alongside shared dashboards for household bills, vacation savings, and joint mortgage planning.