Choose Your Plan
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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.
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.”