Questions before you start.
Clear answers about free education, cloud-synced planning, Plus, the Reach Guide, and optional connected accounts.
Is Money in Reach free?
Yes. Public articles, learning paths, calculators, resources, basic progress, your first saved action plan and latest review, and your first Resolve case are free. Money in Reach Plus adds full planning workspaces, history, and optional connected-account features for eligible institutions.
How much is Money in Reach Plus?
Money in Reach Plus is $4.99 per month in the United States. Website checkout shows the final Stripe price and interval before you subscribe. On iPhone, Apple shows the current price for your region before you confirm.
Is this financial advice?
No. Money in Reach provides general education, estimates, and planning tools. It does not provide personalized financial, investment, tax, legal, mortgage, credit, insurance, or estate-planning advice.
Do I need to create an account?
You can use public education and calculators without an account. Sign-in is required to sync progress, save a permanent profile, use Plus workspaces, manage a subscription, or connect an institution.
Do I need to connect a bank?
No. Plaid connection is optional and manual tools remain available. If connection is offered for your eligible institution, the dashboard can summarize accounts, balances, transactions, recurring activity, and cash flow.
Can I disconnect a financial institution?
Yes. Use Disconnect in the connected dashboard. Money in Reach then asks Plaid to remove the item and deletes its encrypted token and cached connected-account data.
What does Plus include?
Plus includes goals, net-worth history, bill planning, saved scenarios, monthly reviews, debt and home-readiness workspaces, additional Resolve cases, eligible connected-account tools, and provider-specific subscription management.
Can the Reach Guide see my transactions?
The Reach Guide uses the question, recent conversation context, selected profile fields, and aggregate dashboard values when available. Raw transaction lists are not deliberately added to Reach Guide prompts.
Can this help me invest?
The investing section explains readiness, risk, diversification, fees, accounts, and planning concepts. It does not pick investments or tell you what to buy or sell.
How is my data protected?
Money in Reach uses Firebase authentication, owner-scoped Firestore access, encrypted Plaid tokens, signed billing and Plaid webhooks, secure transport, input limits, and provider security controls. Review the Privacy Policy for details.
How do I cancel Plus?
Cancel a website subscription from the Stripe billing portal in Account. Cancel an iPhone subscription in Apple subscription settings. Cancellation stops future renewal; access continues through the paid period unless a separate account-deletion process ends it earlier.