WealthFluent Pricing: Flat Annual Plans, No AUM Fee
Choose Your Plan
Web prices are shown here. Apple App Store billing can differ.
Essentials
Complete financial planning tools for your lifetime goals
- All Intro features
- 14-Day Trial
- Magpie AI Assistant
- Financial Wellness Score
- Debt Health Score
- Behavioral Discipline Score
- Goals & Transaction Insights
- Lifetime Planning System
Premium
Advanced portfolio tools with AI-powered decision support
- All Essentials features
- 14-Day Trial
- Magpie AI Companion
- Portfolio Optimization Engine
- AI Portfolio Optimizer
- Market & Risk Analysis
- Performance Summary Emails
- Wealth Plan Report with Income Statement
- Spouse/Partner Login
- Collaboration Tools
Lifetime
One-time payment for unlimited lifetime access
- All Premium features
- Lifetime access
- All future AI features
- Priority support
- All updates included
- No recurring payments
How WealthFluent Compares
See why self-directed investors choose WealthFluent
| Feature | WealthFluent | Empower | Boldin | Schwab | Fidelity | Vanguard |
|---|---|---|---|---|---|---|
| Complete Net Worth Tracking | ✓ | ✓ | Partial | ✗ | Partial | ✗ |
| Lifetime Financial Planning | ✓ | Partial | ✓ | Partial | Partial | Partial |
| AI Financial Companion | ✓ | ✗ | Partial | ✗ | ✗ | ✗ |
| Portfolio Optimization Engine | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Financial Wellness Score | ✓ | ✗ | ✓ | ✗ | ✗ | ✗ |
| Debt Health Analysis | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Real-Time Market Analysis | ✓ | Partial | ✗ | ✓ | ✓ | Partial |
| Transaction Smart Insights | ✓ | Partial | ✗ | ✗ | ✗ | ✗ |
| No Advisory Fees | ✓ | ✗ | ✓ | ✗ | ✗ | ✗ |
| Annual Cost | From $72/yr | 0.89% AUM | $144/yr | 0.40% AUM | 0.35% AUM | 0.30% AUM |
| Cost on $500K Portfolio | $72–$144 | $4,450 | $144 | $2,000 | $1,750 | $1,500 |
AI Financial Companion and Portfolio Optimization Engine: Premium & Lifetime. Essentials includes Magpie AI Assistant.
Calculate Your Savings
See how much you could save compared to traditional financial advisors
Enter your net worth and traditional advisor fee percentage to see how much you could save by managing your wealth yourself with WealthFluent Premium. Note: WealthFluent Premium stays at a fixed $144/year, even as your wealth grows—unlike traditional advisors whose fees increase with your assets.
Pricing FAQ
How much does WealthFluent cost?
Essentials is $15 per month or about $72 per year. Premium is $30 per month or $144 per year. Lifetime is a one-time payment of $1,200. Annual billing saves roughly 60% against paying monthly. The prices shown on this page are web prices; Apple App Store billing can differ.
Is there a free trial?
Yes. Essentials and Premium include a 14-day trial, and you can cancel anytime. Lifetime is covered by a 60-day money-back guarantee instead of a trial.
What is the difference between Essentials and Premium?
Essentials covers the planning side: the Magpie AI Assistant, your Financial Wellness Score, Debt Health Score and Behavioral Discipline Score, goals and transaction insights, and the Lifetime Planning System. Premium adds the portfolio side: the Magpie AI Companion, the Portfolio Optimization Engine and AI Portfolio Optimizer, market and risk analysis, performance summary emails, the Wealth Plan Report with income statement, and a spouse or partner login with collaboration tools.
Does WealthFluent charge a percentage of my assets?
No. WealthFluent is flat-priced software, so the cost does not rise as your portfolio grows. On a $500,000 portfolio, Premium stays at $144 per year, while an advisor charging 0.89% of assets would run about $4,450 a year.
Can I cancel anytime?
Yes. Monthly and annual plans can be cancelled at any time. Lifetime is a one-time payment with no recurring charge, backed by the 60-day money-back guarantee.
Is WealthFluent a financial advisor?
No. Ripsaw LLC is a software company and the maker of WealthFluent, not an investment advisor or broker. Account connections are read-only and we never take custody of your money. Everything in the product is informational and educational. Not financial advice.
What Our Users Say
Real results from real people
“I came to WealthFluent wanting real control over my portfolio — not another app that oversimplifies. What I didn’t expect was how genuinely the team listens. When I ran into early issues and shared detailed feedback, they didn’t just acknowledge it — they got on a call, took notes, and shipped a fix. The next version was markedly smoother. That kind of responsiveness is rare.
What excites me most is the depth of the philosophy behind the software. WealthFluent is building something serious — a high-value platform for investors who want to manage their wealth intelligently, not just track it. I’m looking forward to what’s ahead.”