Pricing
Knowing where you stand is free.
Premium is for the part that changes things: the priorities, the modules, and the coach that turn your score into decisions. The subscription is how Cipili makes money, which is why nothing here is ranked by commission.
Free
See where you stand, with no card.
Free, permanently
- ✓ Your Financial Health Score
- ✓ A score for every money module
- ✓ The factors driving each one
- — Improving your score is Premium
Student Premium
50% offEverything in Premium, for enrolled students.
or $99.50/year
- ✓ Every Premium feature, nothing held back
- ✓ Applied automatically at checkout once verified
- ✓ Lasts twelve months, then re-verify
Certify that you are currently enrolled and upload an ID. Honor system, and spot-checked.
Premium
Most completeEverything that turns a score into decisions.
or $199/year (save $41)
- ✓ Everything that improves your score
- ✓ Priorities ranked for your situation
- ✓ All eleven modules (college, cards, investing…)
- ✓ Unlimited AI coach conversations
- ✓ Unlimited recommendations & simulations
Compare the plans
Student Premium and Premium are the same plan. The only difference is the price and the one-off verification.
| Feature | Free$0 | Student Premium$10/mo | Premium$20/mo |
|---|---|---|---|
| Knowing where you stand | |||
| Financial Health Score | Included | Included | Included |
| Score for each money module | Included | Included | Included |
| Plain-English explanation of every component | Included | Included | Included |
| College explorer and Financial Basics | Free, no account | Included | Included |
| Improving it | |||
| Priorities ranked for your situation | Not included | Included | Included |
| All eleven money modules | Not included | Included | Included |
| Score simulator: test a change first | Not included | Included | Included |
| Net worth tracking | Not included | Included | Included |
| Forecast and FIRE projection | Not included | Included | Included |
| Goals, to-dos, and achievements | Not included | Included | Included |
| Score timeline and monthly checkups | Not included | Included | Included |
| Recommendations and simulations | — | Unlimited | Unlimited |
| AI financial coach | Not included | Included | Included |
| Data and support | |||
| Connected bank accounts (optional) | 1 | Unlimited | Unlimited |
| Delete your account and data at any time | Included | Included | Included |
| Cancel any time from the billing portal | — | Included | Included |
Member discounts
If more than one applies to you, the best one is used automatically.
- Student (50% off)$10/mo
- Military (15% off)$17/mo
- Nurse (15% off)$17/mo
- Teacher (15% off)$17/mo
- First responder (15% off)$17/mo
- Senior (15% off)$17/mo
Verify your eligibility (certify + upload an ID) to unlock a discount.
Frequently asked questions
What do I get without paying?
Your Financial Health Score, a score for each money module, and the plain-English explanation behind every component. No card required. The college explorer and Financial Basics are open to anyone, with no account at all.
What does Premium actually add?
Everything that helps you improve the score rather than just see it: your ranked priorities, all eleven money modules, the score simulator, net worth and forecasting, goals and to-dos, monthly checkups, and the AI coach.
How does the student price work?
Student Premium is the full Premium plan at a verified-student discount. You certify that you are currently enrolled and upload an ID, and the discount is applied automatically at checkout. It lasts twelve months, then you re-verify.
Are there other discounts?
Yes. Military, nurses, teachers, first responders, and adults aged 65 and over all qualify for a discount on Premium. If more than one applies to you, the best one is used.
Can I cancel?
Any time, from the Stripe billing portal in your settings. You keep Premium until the end of the period you have already paid for.
Do you sell my data or take commission?
No to both. The subscription is how Cipili makes money, which is exactly what lets recommendations be ranked by fit to you rather than by what a partner pays. Where an affiliate relationship exists, it is disclosed on the page and never affects ranking.
Start with the free score.
It takes about two minutes and never asks for a card or an account number. Upgrade later if the score tells you something worth acting on.
Cipili provides financial education, comparisons, and estimates based on the information you provide. It does not provide investment, tax, legal, or accounting advice, and is not a registered investment adviser or fiduciary. Estimates rest on stated assumptions and are not guarantees of future results.