Simple, transparent pricing
Start free with budgeting and savings tools. New accounts get 31 days of full Pro access on the house -- every feature below, unlocked, no credit card needed.
Free
$0
Forever. No credit card required.
- Budget Builder with tax estimates
- Budget Review with spending insights
- Net Worth Tracker for assets and liabilities
- Foundations of Financial Planning curriculum
- Learning Center articles
- No bank or brokerage linking
Pro
MOST POPULAR$7 / month
Everything in Free, plus:
On your 31-day trial? You already have access to everything listed below. After day 31, these Pro features lock until you subscribe.
- Savings Goals with priority planning
- Retirement Visualizer with portfolio projections
- Custom what-if scenario planning
- Goal Tracker with progress monitoring
- Full Plan Summary with Sankey money-flow and projections
- Print and save your plan as PDF
Billed immediately. Cancel anytime from your profile.
New accounts receive 31 days of full Pro access at no cost when they sign up. This includes everything listed under Pro -- Savings Goals, the Retirement Visualizer, Goal Tracker, Custom Scenario Planner, and full Plan Summary. No credit card is required during the trial. When the trial ends, access automatically reverts to the Free plan (Budget Builder, Budget Review, Net Worth Tracker, Foundations, and the Learning Center) unless you choose to subscribe. Your saved budget and savings goals stay with you either way.
If you subscribe to Pro, your selected plan will automatically renew at the then-current rate (Monthly: $7 every month; Annual: $49 every 12 months) until you cancel.
You may cancel at any time from your account profile page or by contacting [email protected]. Cancellation takes effect at the end of your current billing period. Your account reverts to the Free plan.
Waterfall Planning reserves the right to change subscription pricing. If pricing changes, you will be notified before your next renewal, and the updated price will apply to the following billing cycle. By subscribing, you agree to our Terms of Use.
Connect your budget to your goals to your future.
Looking for organization or team pricing? Learn about our organization plans.
Not sure yet? That is okay.
Most budgeting apps just track what you already spent. Waterfall Planning is different.
No bank account linking. Your financial data stays yours. We never ask for login credentials to your bank, credit cards, or investment accounts.
Planning, not just tracking. Other tools show you where your money went. We help you decide where it should go next -- budget, savings goals, and a retirement projection that shows how much you could spend each year.
Built for real people. No finance degree required. Plain language, simple steps, and a process you can finish in about 30 minutes.
Free educational content. Our Learning Center covers budgeting, debt, retirement, insurance, and more -- available to everyone, no subscription needed.