One Simple Plan

PFOS Pricing

One membership, everything included. Start with a 14-day free trial — no credit card required — then $19/month.

Start Your 14-Day Free Trial →
Save 12%
Individual
Sequence
$19/month
14-day free trial · Cancel anytime
  • Bank connections via Plaid
  • Budgeting & spending tracking
  • Cash-flow & net-worth
  • Goal, debt & emergency-fund tracking
  • Retirement, FI & college planning
  • Tax tools & protection-gap detection
  • Your 4 Financial Health Scores
  • Priority Engine — your recommended next move
Start Your 14-Day Free Trial →
Couples
Sequence for Two
$34/month
Everything in Individual, for both of you
  • Joint, Separate or Hybrid household modes
  • Shared goals & milestones
  • Combined debt plan
  • Joint retirement projections
  • Each partner keeps their own scores
Start Planning Together →

Bank connections unlock once you are on a paid plan. Advisory services are provided by a licensed advisor and priced separately; details are shared during your consultation.

Questions

Common questions

How does billing work?
All billing is handled through Stripe. Every account starts with a 14-day free trial with no card required; when you subscribe, your monthly or annual plan begins immediately and renews on the same date.
Is there a free trial?
Yes. Every new account starts with a 14-day free trial, with no credit card required. During the trial you can enter your finances, use the calculators and watch your plan take shape.
Can I change or cancel my plan?
Yes — anytime, with no penalties. Cancellations take effect at the end of your current billing period. After that your account goes read-only: your data stays safe, and you can resubscribe anytime.
What does the annual plan save?
The annual plan is $199 for one person or $349 for two, about 12% less than paying monthly for a year.
Keep Exploring

More about how PFOS works

Financial Planning Software Financial Calculators Financial Health Score Planning for Couples Security Methodology
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One plan, $19/month after a 14-day free trial. No credit card required to start.

Start Your 14-Day Free Trial → See How PFOS Works