Pricing
Simple, transparent pricing.
Start free. Upgrade when you're ready for the full platform.
Free
$0/forever
Get started with manual account entry and basic financial health scoring.
Phase 2 — Manual Dashboard
- Up to 5 manual credit card entries
- Overall Financial Health Score
- Card Health Scores
- Utilization optimization guidance
- Basic goal roadmap (1 active goal)
- Mortgage readiness checklist
- Access to credit guides
Most Popular
Pro
$12/per month
Connect your accounts and unlock full financial intelligence — cards, bank, and goals.
Phase 3 — Plaid Connection
- Everything in Free
- Unlimited card and account entries
- Plaid bank account connections
- Cash flow and spending analysis
- All 8 Financial Health Scores
- Card Benefit Optimizer
- Unlimited goal roadmaps
- Statement closing payment calendar
- Score impact simulator
- Debt payoff strategy planner
Premium
$24/per month
Full platform with credit report analysis, AI coach, and priority support.
Phase 4–5 — AI Coach + Credit Report
- Everything in Pro
- Credit report import and analysis
- Negative item identification
- Dispute letter generation (via Boost My Credit Scores)
- Dispute status tracking
- AI Financial Coach
- Multi-bureau comparison
- Spending optimization (right card per category)
- Annual fee justification alerts
- Priority support
Pricing shown is planned. CreditGoal AI is currently in early access. Join the waitlist to be notified of pricing and launch details.