Pricing
Two tiers. Free to start with a single card. Pro when you're ready to build the plan across all your cards.
Try it before you commit
Everything, for people ready to move
Founding members lock in $12/mo for the life of their account, even after we raise prices. That's part of the deal for helping us build.
Common questions
Yes. Pro comes with a 14-day free trial. No credit card required to start — we ask for payment info only when you're ready to convert.
Anytime. From the app, one click. No email chains, no retention offers, no dark patterns. You keep access until the end of your billing period.
Never. We're paid by subscribers. There is no ad model, no data-sharing agreements, no "anonymized" data sales. This is why the paid tier exists — so we don't have to monetize you.
No. RatioPro is manual-entry only. This is intentional. Bank credentials get stolen. Aggregators get breached. We don't want the liability and neither should you.
Pro members get priority email support. If you need a real conversation about your specific situation, you can book a 30-minute strategy session with a Platinum Financial credit consultant for $95 — separate from your subscription.
Founding members lock in $12/mo for the life of their account. If we raise prices for new users, your rate doesn't move. This is written into the Terms.
Not yet. It's on the roadmap for 2026 — join the waitlist and you'll be first to hear when it opens.
Ready when you are
Join the waitlist for early access. We'll send an invitation when the next cohort opens.
One email when your invitation is ready. No marketing, ever.