Yes. The Free plan is genuinely free, forever, and doesn't require a credit card.
What's in the Free plan
- Net worth tracking with monthly snapshots
- Full 30-year projection horizon (not capped to 10 years)
- Up to 3 life events to model real plans
- 1 projection plan
- Access to all five calculators (stamp duty, LMI, take-home pay, salary sacrifice, compound interest)
- FI milestone markers on your projection chart
- Data export
What Pro adds
The Pro plan unlocks:
- Unlimited what-if plans
- Side-by-side plan comparison
- Monte Carlo stress testing (1,000-scenario simulation)
- Detailed tax breakdowns and year-by-year reports
- Unlimited life events
- Multiple income streams (e.g. salary plus rental)
- Equity compensation (RSU) modelling
- Historical snapshot backfilling
- Peer comparisons
Pricing
- Monthly: A$9.99 / month, cancel any time
- Annual: A$89.99 / year (≈ A$7.50 / month — saves 25%)
How we make money
The Free tier is funded by Pro subscriptions and a one-person engineering budget. We don't sell user data, run ads, or accept referral commissions on financial products. The only revenue stream is Pro subscriptions.