Free tier
The free community circle
Everything here costs nothing. Use the free circle for as long as you like — the paid plans are there only when you want every workbook module and the premium calculators.
What you get for free
Weekly payday check-in
A short Friday prompt: what you got paid, what's left, and the one bill you're pre-paying this week.
Money-leak swap
Share the subscription or fee you cancelled and borrow the ones other members found.
Starter guides
The 12-step plan, the buffer rule and the weekly-limit calculator — all free, always.
Workbook previews
See what every module of the community workbook covers before deciding on a paid plan.
Start in two minutes
- Run your numbers in the free payday calculator on the home page.
- Open the free workbook module and fill the first worksheet.
- Come back every payday and repeat the plan.
Free vs paid
Start free and upgrade only when you want the full workbook. Every paid option unlocks the same premium library — pick the billing that suits you.
Free Community
$0 forever
Everything you need to run your first payday plan.
- Weekly payday check-ins
- Money-leak swaps
- Starter guides
- Workbook previews
Premium Monthly
$12 per month
All 95+ workbook modules and premium tools, billed monthly.
- Every workbook module and worksheet
- Premium calculators and bill calendar
- Branded PDF exports
- Cancel anytime
Premium Annual
$89 per year
The same Premium membership, paid once a year.
- Everything in Premium Monthly
- Two months' equivalent saved vs monthly
- Renews yearly, cancel anytime
7-day refund guarantee. Ask for a refund within 7 days of purchase on the Premium membership, monthly or yearly.
Cancellation. Subscriptions can be cancelled anytime from the billing portal on the upgrade page; access stays active until the end of the paid period. The one-time unlock has no recurring charges. Full details in the refund and cancellation terms.