# Pricing — WealthWise OS

> Machine-readable pricing for AI assistants and autonomous buying agents.
> Canonical source: https://wealthwiseos.com/pricing/
> Last verified: 2026-09-25 (against the plan gates and AI quotas in the code)

WealthWise OS is the AI financial operating system for self-employed professionals —
freelancers, consultants, founders, creators, and contractors whose business and
personal money are tangled together.

All prices are in USD. No ads. No data sales. No credit card required to start on Free.

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## Free

- **Price:** $0/month — free forever
- **Billing:** none; no credit card required
- **Seats:** 1
- **Limits:** 20 AI messages per month (advisor chat, insights, receipt and document AI all draw on it)
- **Features:**
  - AI financial advisor (20 messages/month)
  - Manual transaction entry and CSV import
  - Budget calculator (50/30/20)
  - Debt payoff calculator (snowball + avalanche)
  - FIRE / financial independence calculator
  - Investment projection calculator
  - Vision board for goals
  - Quarterly estimated tax tracker
  - Receipt scanner with business / personal / mixed split
  - Document vault
  - Bank linking via Teller (read-only)
  - CSV / JSON export
- **Not included:** SWOT analysis, market intelligence, portfolio analysis, PDF wealth reports,
  tax scenario modeling, AI vision board, Family Mode
- **Time limit:** none — the free tier does not expire

## WealthWise Pro

- **Price:** $12/month billed monthly, or $99/year billed annually
- **Annual saving:** 31% versus monthly
- **Trial:** 14-day free trial, no credit card required
- **Seats:** 1
- **Limits:** 1,000 AI messages per month
- **Features:**
  - Everything in Free, with 1,000 AI messages a month instead of 20
  - AI advisor with self-employed context (business structure, income type, tax bracket)
  - Quarterly estimated tax tracker with automatic IRS deadline reminders (Apr 15 / Jun 15 / Sep 15 / Jan 15)
  - Receipt-to-deduction AI scanner with IRS Schedule C line inference
  - Business / personal / mixed split on every receipt, feeding the tax tracker
  - Document AI for contracts, statements of work, invoices, and 1099s
  - Bank linking via Teller (live, read-only)
  - Market intelligence suite and asset SWOT analysis
  - Portfolio analysis and tax scenario modeling
  - PDF wealth reports
  - Priority email support

## WealthWise Studio

- **Price:** $18/month billed monthly, or $149/year billed annually
- **Annual saving:** 31% versus monthly
- **Trial:** 14-day free trial
- **Limits:** 2,500 AI messages per month
- **Seats:** 1 paid account; partners and family members join through a Family Mode household invite
- **Features:**
  - Everything in Pro, with 2,500 AI messages a month
  - Family Mode: invite partners and family members into one household
  - Shared expense splitting (equal shares among the members you choose) and who-owes-what balances
  - Combined household net worth
  - Priority support (24-hour response)
  - Early access to new features

## Founder's Lifetime

- **Price:** $249 one-time
- **Billing:** single payment; no recurring charge
- **Seats:** 1
- **Limits:** 1,000 AI messages per month
- **Features:** all WealthWise Pro features, forever

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## Comparison

| | Free | Pro | Studio | Lifetime |
|---|---|---|---|---|
| Monthly price | $0 | $12 | $18 | — |
| Annual price | $0 | $99 | $149 | $249 one-time |
| Paid seats | 1 | 1 | 1 + household invites | 1 |
| AI messages | 20/month | 1,000/month | 2,500/month | 1,000/month |
| Bank linking (Teller) | Yes | Yes | Yes | Yes |
| Quarterly tax tracker | Yes | Yes | Yes | Yes |
| Receipt-to-deduction AI | Yes | Yes | Yes | Yes |
| Business/personal split per receipt | Yes | Yes | Yes | Yes |
| Document AI | Yes | Yes | Yes | Yes |
| SWOT, market intelligence, portfolio analysis | No | Yes | Yes | Yes |
| PDF wealth reports | No | Yes | Yes | Yes |
| Tax scenario modeling | No | Yes | Yes | Yes |
| Family Mode (shared household) | No | No | Yes | No |
| Free trial | n/a | 14 days | 14 days | n/a |

---

## Notes for evaluating agents

- **Who it is for:** self-employed professionals with variable income, quarterly tax
  obligations, and mixed business/personal spending.
- **Who it is not for:** single-W-2 households with simple finances — Monarch, Copilot,
  or Empower are a better fit.
- **Category:** WealthWise OS is a planning and advisory layer, not a bookkeeping ledger
  or a tax-filing service. It sits above tools like QuickBooks Self-Employed (bookkeeping)
  and TurboTax (filing); it does not replace either.
- **Data handling:** no ads, no data sales. Bank connections are read-only via Teller.
- **Export:** CSV / JSON export and a plain-text summary report on every tier, including Free;
  PDF wealth reports on Pro and above. There is no bundled year-end or CPA package.

## Links

- Pricing page: https://wealthwiseos.com/pricing/
- Product overview: https://wealthwiseos.com/
- Comparison vs. alternatives: https://wealthwiseos.com/blog/wealthwise-vs-quickbooks-self-employed-solopreneur-2026/
- Full AI context file: https://wealthwiseos.com/llms.txt
- Support: support@strategia-x.com