MoneySmith Plans

Pricing for the AI Wealth Coach

Three tiers, monthly or annual. Cancel anytime, with a 3-day money-back guarantee on every paid plan.

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AI Wealth Coach

Your money coach. Available 24/7.

Money decisions happen every week. Your coach knows your blueprint and answers when it matters.

Cancel anytime·3-day money-back

Spark

Start your wealth coaching journey

$43/month

Billed every 3 months · $129/qtr

Money Compass blueprint PDF
AI wealth coach chat (24/7)
Monthly mindset check-in email
Cancel anytime

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Compass

Atlas

Premium — for people who want a real coach

$216/month

Billed every 3 months · $649/qtr

Everything in Compass
Monthly 1-on-1 Loom feedback from Graham
Personal money-structure review
Direct text/email access
Quarterly goal review session

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3-day money-back guarantee. Cancel anytime, one click.

Want to see a blueprint first? See a sample →

Compare plans

Spark vs Compass vs Atlas

Every coaching feature, side by side. No fine print.

Feature	Spark	Compass	Atlas
Money Compass blueprint PDF
AI wealth coach chat (24/7)
Mindset check-ins	Monthly	Weekly	Weekly + 1:1
Full Signal Map access (sample data for now)
Spending pattern reviews
Priority chat response
Monthly 1-on-1 Loom from Graham
Personal money-structure review
Direct text/email access
Quarterly goal review session

Spark$49/mo

Money Compass blueprint PDF
AI wealth coach chat (24/7)
Mindset check-insMonthly
Full Signal Map access (sample data for now)
Spending pattern reviews
Priority chat response
Monthly 1-on-1 Loom from Graham
Personal money-structure review
Direct text/email access
Quarterly goal review session

Compass$129/mo

Money Compass blueprint PDF
AI wealth coach chat (24/7)
Mindset check-insWeekly
Full Signal Map access (sample data for now)
Spending pattern reviews
Priority chat response
Monthly 1-on-1 Loom from Graham
Personal money-structure review
Direct text/email access
Quarterly goal review session

Atlas$249/mo

Money Compass blueprint PDF
AI wealth coach chat (24/7)
Mindset check-insWeekly + 1:1
Full Signal Map access (sample data for now)
Spending pattern reviews
Priority chat response
Monthly 1-on-1 Loom from Graham
Personal money-structure review
Direct text/email access
Quarterly goal review session

Feature comparison

Every feature, side by side

Each tier includes everything from the one below it.

Feature	Spark$49/mo	Compass$129/mo
Money Compass blueprint PDF
AI wealth coach chat (24/7)
Monthly mindset check-in email
Cancel anytime
Full Signal Map access — sample data while it is rebuilt	—
Weekly accountability check-ins	—
Spending pattern reviews	—
Priority chat response	—
Monthly 1-on-1 Loom feedback from Graham	—	—
Personal money-structure review	—	—
Direct text/email access	—	—
Quarterly goal review session	—	—

Prices shown monthly. Annual billing available on the cards above.

Already a QOL+ member?

Your membership carries into MoneySmith

QOL+ is one membership across the whole network. These are the parts that land here — no extra checkout, nothing to claim twice.

One Compass blueprint included every year
The full personalized plan and printable PDF, on the house. Normally a paid one-off.
7 days of the AI Wealth Coach
Full coach access on your blueprint, no card required. Continue on a normal subscription if it earns it.
Founding price, locked
Start any MoneySmith subscription while QOL+ is active and that price is yours for as long as it runs.
Signal Map preview access
Currently sample data while it is rebuilt on live market data — included the moment real data lands.

See QOL+ at id.qol.one

Included with a QOL+ membership at id.qol.one. Sign in to MoneySmith with the same email and they apply automatically.

Pricing FAQ

What you should know first

Can I cancel anytime?

Yes. Every plan cancels in two clicks from your dashboard or the Stripe customer portal. No email, no phone call. Your access continues until the end of the billing period you've already paid for, and you keep every Master Plan Blueprint generated during your subscription.

What's the refund policy?

3-day money-back guarantee on every paid tier. If MoneySmith isn't a fit in the first 3 days, email support@qol.one and we'll refund the most recent charge in full — quick email, no friction. After day 3, refunds are evaluated case-by-case for genuine billing errors.

What's the difference between Spark, Compass, and Atlas?

Spark is the on-ramp: monthly Master Plan refresh + AI Coach chat with usage caps suited to a single founder. Compass adds higher Coach throughput, deeper niche analysis, and priority email support, designed for operators running multiple income streams. Atlas is for serious portfolio builders: white-glove onboarding, the highest Coach throughput, custom strategy reviews, and access to every feature we ship first.

How much does annual billing save?

Toggle Annual on the pricing card and you pay for 10 months up front instead of 12 — Spark $490/yr, Compass $1,290/yr, Atlas $2,490/yr. Same access, same features, same cancel-anytime, but the effective monthly rate drops by a fifth. The toggle is reversible from the customer portal, so you can switch back to monthly at renewal if your usage shifts.

Is checkout secure? Where is my card data stored?

Checkout is handled entirely by Stripe (PCI-DSS Level 1). MoneySmith never sees, stores, or transmits your card number. Stripe issues us a token that we use to charge subscriptions. The same security backbone used by Shopify, Lyft, and OpenAI's billing.

More questions? See the full FAQ → or email support@qol.one.

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