The free tier tests your own portfolios against the market. Premium unlocks the tools that find better ones.
Finding even 0.05%/yr more return — a lower-fee fund, better diversification, or tax-smart placement — turns a $100,000 portfolio (growing ~7%/yr) into about $10,744 more over 30 years. That's roughly 6× the $1,796 the subscription costs across those same years. These tools exist to help you find edges like that.
In retirement terms: a portfolio that takes your plan from 88% to 93% is the difference between one retirement in eight running short and one in fourteen. Premium runs your plan on every portfolio you save, on the model portfolios, and on what the Finder turns up — and tells you when the difference is real and when it is noise.
A hypothetical illustration with round numbers, not a projection of your results. Returns are not guaranteed, can be negative, and no tool can promise an edge.
The retirement odds you see on your starred portfolio, run on every portfolio you save, the model portfolios and Finder results — and which one lifts them.
Eight levers ranked by what each buys — guardrails, timing, Social Security, a part-time bridge — each judged by whether spending held.
Which of your funds are tax-hostile, where to hold each across taxable, traditional and Roth, and what that saves a year. Category estimates, precise enough to rank.
IRA, 401(k), HSA, 529 and self-employed deadlines and limits for the accounts you hold, with reminders — and your plan's odds tracked week by week.
| Feature | Free | Premium |
|---|---|---|
| Your own portfolios, backtested | 2 | Unlimited |
| Compare head-to-head | 2 at a time | All at once |
| Fund leaderboard | 5 core funds | All funds & stocks |
| History on comparisons and the leaderboard | Last 10 years | Full history (1990+) |
| Retirement odds on a portfolio | The one you star | Every portfolio, the model portfolios, and Finder results |
| Which portfolio lifts your retirement odds | ||
| The Plan page — levers, stress tests, safe-spend and earliest-retirement solvers | ||
| Tax & asset location — where to hold each fund across taxable, traditional and Roth | ||
| Finder — goal-based portfolio search, stress-tested | ||
| Scenario Lab, Diversify builder and Advanced grid search | ||
| Own the stocks — a diversified basket of the index's names | ||
| Glidepaths — a portfolio whose mix shifts as you age | ||
| Contribution calendar — IRA, 401(k), HSA, 529 and self-employed deadlines, with reminders | Next deadline | Every account, the checklist, and the emails |
| Plan tracking — your retirement odds week by week | ||
| Portfolio performance — year to date, 12 months, since you added it | 12 months and YTD | Every window, each against the S&P |
| Sleeve isolation — how much each holding really drives the result | ||
| Fund menus — paste your 401(k), 403(b) or HSA lineup and rank what you can actually buy | ||
| Weekly report | Where you placed | Full numbers, gaps to close, drift, plan odds |
| Rebalance watchdog on every card | ||
| Price | $0 | $4.99/mo |
If you cancel, your portfolios stay — the free tier keeps two of them and their retirement odds.