Use education, calculators, the Money Snapshot, and the Reach Guide without a card or bank connection. A free account can save your first action plan and latest review. Upgrade when you want a complete planning workspace to revisit over time.
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Best for understanding a money decision and taking the next practical step.
$0Always free
Start freeBest for turning separate decisions into one plan you can keep using.
$4.99per month
Plus adds continuity and connected context. The core education and calculators stay free.
| Capability | Free | Plus |
|---|---|---|
| Articles and learning paths | Included | Included |
| Money Snapshot and calculators | Included | Included |
| Educational Reach Guide | Included | Included |
| Resolve cases | First case | Additional cases included |
| Goal, net-worth, and bill planning | Not included | Included |
| Saved scenarios and monthly reviews | Not included | Included |
| Debt and home workspaces | Not included | Included |
| Action-plan saving across devices | One plan and latest review | Full planning workspace and history |
| Optional connected accounts | Not included | Eligible institutions when available |
Yes. The Money Snapshot, education, learning paths, calculators, progress, educational Reach Guide, your first saved action plan and latest review, and your first Resolve case remain available without a Plus subscription.
Your first Resolve case is included with a free account. Plus lets you create additional cases while the monthly membership is active. Deleting a free case does not reset the one-time benefit.
No. Connected accounts are optional for eligible institutions. Plus manual planners work without Plaid, and you can disconnect an institution from the dashboard.
Plus is $4.99 per month in the United States and renews until canceled. Website subscriptions use Stripe Checkout and the Stripe customer portal. iPhone subscriptions use Apple, which shows the current price for your region and manages renewal and cancellation in Apple subscription settings.
No. Money in Reach provides educational information and planning estimates. It does not provide individualized financial, investment, tax, legal, credit, or mortgage advice.
