Pricing
Replaces three apps. And a financial planner.
The architecture a fee-only planner uses to build your plan: model your household from your age, income, ZIP, and family, then verify against your real bank data. Automated, continuous, and about $140 a year instead of $3,000.
Lifetime Access
First 1,000 supportersHonestly? We recommend monthly or annual. They're the best value and let you try Promi risk-free. But if you believe in what we're building and want to support our mission to make serious financial planning accessible to everyone, the lifetime plan is our way of saying thank you.
$1,100one-time
Support PromiOne subscription. Every feature. No upsells, no advisor sales calls.
And so much more
The complete financial picture
No tiers, no feature gates, no upsells. Every plan gets the full platform.
Net Worth Tracking
Line, bar, and stacked charts from 1M to All time. Filter by account, category, or household member. Growth delta + percent.
Cash Flow Analysis
Operating cash flow over 30/60/90/180 days. Burn rate, runway projection, moving average overlay, and money flow Sankey diagrams.
Recurring Payments
Auto-detected + manual recurring streams. Calendar view with projected dates. Weekly through annual frequency. Monthly/annual KPIs.
Goals & Debt Payoff
Save-up goals with compound growth projections. Avalanche vs. snowball debt payoff strategies. Extra payment and lump-sum simulator.
Couples & Households
Joint + individual accounts. Per-person owner attribution. Staggered retirement. Dual-income FIRE modeling.
Scenario Comparison
Named retirement scenarios with side-by-side charts. Full Monte Carlo per scenario. Color-coded comparison table.
Social Security & Pension
Full SSA PIA formula with 35-year career modeling. Early/delayed claiming. Pension income. Retirement income donut chart.
Tax-Smart Drawdown
Withdrawal modeling across 5 tax buckets (pre-tax, Roth, taxable, HSA, tax-free). Roth conversion ladders, 72(t)/SEPP, and RMD analysis in active development.
Transaction Management
Full search & filter. Calendar integration with date selection. Category breakdown. Merchant logos. CSV export. Manual sync.
Account Management
9 account types. Institution logos & health status. FRED market rates for comparison. Interest rate tracking. Manual + Plaid support.
Local Area Data
Census-based local stats: median home value, rent, income by age, education levels, demographics. Real ACS data for your ZIP.
8 Visual Themes
Default, Slate, Sunset, Forest, Ocean, Blush, Neutral, and Dark. Full dark mode throughout. Make Promi yours.
Bank-Level Security
Read-only access via Plaid. We never move your money. More than 200 row-level security policies protect every table in the database.
Interactive Demo
Explore the full app with realistic data, no sign-up required. Peer comparison, budgets, FIRE, investments, and more.
AI on Every Page
Context-aware AI insights with typewriter animation. Financial health scoring. Humor toggle. 13+ page-specific contexts.
How we compare
More features, lower price
| Promi | Monarch | |
|---|---|---|
| Only in Promi | ||
| Peer cohort benchmarking | ||
| Local Census comparison | ||
| Pre-filled AI budgets (GUIDE) | ||
| Monte Carlo retirement sims | ||
| Tax-aware drawdown planning | in development | |
| FIRE planning (5 variants) | ||
| Social Security estimator | ||
| Retirement scenario comparison | ||
| In-context education (EPIM) | ||
| Interactive demo (no sign-up) | ||
| Shared features | ||
| Per-holding investment tracking | ||
| Recurring expense detection | ||
| Cash flow forecasting | ||
| Goals tracking | ||
| Budget management | ||
| Transaction categorization | ||
| Net worth tracking | ||
| Couples / household support | ||
| Ad-free, no product upsells |
Ready to see where you stand?
Start exploring with the interactive demo, no sign-up required.
Try the Demo