Every tool stays free
Plus keeps your plan current.If it does not earn you 10 times its cost, you get it back.
Card offers change every few weeks. Plus watches your plan for you, reminds you when to act, and keeps the long-term record that shows you are on track.
Yearly
$36 a year
$3 a month. Refunded automatically if the year does not earn you $360.
Monthly
$4 a month
Try it, cancel any time. Same guarantee over your membership year.
The 10x guarantee
You check in
Once a month, note what your cards paid you. Your leak check shows what you stopped losing.
We add it up
At the end of your membership year: rewards plus leaks stopped, against 10 times what you paid.
Short? Refunded
Under 10x with 6 or more check-ins, the year is refunded to your card automatically. Fewer check-ins? One click asks for it.
Why we do it this way: card companies earn when you lose. We only want to earn when you are clearly ahead, and never more than a small slice of what the plan found you.
Free and Plus
| What you get | Free | Plus |
|---|---|---|
| Leak check, bill router, 12-month bonus plan, Freedom calculator | ✓ | ✓ |
| 150 biller pages, Maya's story, methodology | ✓ | ✓ |
| Account that saves your plan, monthly check-ins, dashboard | ✓ | ✓ |
| Printable plan report for your financial professional | ✓ | ✓ |
| Monthly email: your plan refreshed with current offers | — | ✓ |
| Alert when an offer in your plan changes or ends | — | ✓ |
| Check-in reminder and guarantee progress each month | — | ✓ |
| Yearly progress report, year against year | — | ✓ |
| Household plan for two people | — | Coming soon |
Questions
Will the free tools ever move behind Plus?+
No. The leak check, bill router, bonus plan, Freedom calculator, biller pages, saving your plan and check-ins stay free.
How do I cancel?+
From your plan page: Manage billing. Cancelling stops the next charge; you keep Plus until the end of what you paid for, and the guarantee still applies to that year.
Is the guarantee real?+
Yes. It runs on the numbers you check in, and the refund goes back to the card you paid with. We would rather refund than keep money that did not help you.
Do you get paid by card companies?+
Not today. If we ever add card links, they will be labeled and will never change what your plan recommends.