Pricing for the AI Money Coach

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 any blueprint you bought stays yours.

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.

Spark is the on-ramp: AI Coach chat up to a daily limit, plus the Foundation lessons and goal tracking in your dashboard. Compass raises the daily chat limit 4×, adds two more lesson modules and the full Signal Map (sample data while it is rebuilt), and puts a new coach prompt on your dashboard each week. Both are education and budgeting tools, not financial, investment or tax advice.

Toggle Annual on the pricing card — Spark $490/yr, Compass $1,290/yr, about 17% under paying monthly. Same access, same features, same cancel-anytime. The toggle is reversible from the customer portal, so you can switch back to monthly at renewal if your usage shifts.

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.