Pricing
Start free.
Start free.
Upgrade when you're ready.
Four weeks free. No credit card. The system builds your baseline and delivers your snapshot — then you decide which tier fits where you are right now.
Foundation
$
50
per month
Building your foundation
Debt to eliminate. Credit to build. A system that changes your financial life without a budget or willpower.
Start free →What's included
- Freedom System — debt elimination without a budget
- Credit score building path
- Daily spending intelligence
- Financial education — 401k, investing basics
- Basic health domain tracking
- Weekly system briefing
- Daily check-ins
- Connect up to 5 financial accounts
Most popular
Intelligence
$
149
per month
Optimizing your growth
Investments, retirement, full health domain, and the systems that compound everything you've already built.
Start free →Everything in Foundation, plus
- Investment intelligence — fee detection, drift alerts
- Retirement planning — Monte Carlo, SS optimization
- Full health domain integration
- Tax optimization calendar
- Wearable device integration
- Professional growth domain
- Functional foods integration
- Unlimited financial accounts
Wealth
$
249
per month
Building serious wealth
Advanced wealth architecture, tax strategy, longevity research, and strategies most people never encounter.
Start free →Everything in Intelligence, plus
- Advanced wealth architecture
- Asset-backed borrowing intelligence
- Longevity research monitor
- Peer intelligence — cohort benchmarks
- Full tax strategy suite
- Estate and generational planning signals
- Functional foods — curated monthly selections
- Priority briefing delivery
Coming soon
Sovereign
$
499
per month
The complete life operating system
Family coverage, generational intelligence, and the complete system for those building something that outlasts them.
Notify me when availableEverything in Wealth, plus
- Family coverage included
- Generational wealth architecture
- Advanced peer intelligence network
- Dedicated system review sessions
- API access for advanced integrations
- Functional foods — quarterly premium
- White-glove onboarding
Compare plans
Everything, side by side.
| Feature | Foundation $50/mo |
Intelligence $149/mo |
Wealth $249/mo |
Sovereign $499/mo |
|---|---|---|---|---|
| Financial Intelligence | ||||
| Daily spending intelligence | ✓ | ✓ | ✓ | ✓ |
| Freedom System — debt elimination | ✓ | ✓ | ✓ | ✓ |
| Financial accounts connected | Up to 5 | Unlimited | Unlimited | Unlimited |
| Investment intelligence | — | ✓ | ✓ | ✓ |
| Tax optimization calendar | — | ✓ | ✓ | ✓ |
| Retirement planning — 100yr model | — | ✓ | ✓ | ✓ |
| Advanced wealth architecture | — | — | ✓ | ✓ |
| Asset-backed borrowing intelligence | — | — | ✓ | ✓ |
| Generational wealth planning | — | — | — | ✓ |
| Health Intelligence | ||||
| Basic health domain tracking | ✓ | ✓ | ✓ | ✓ |
| Wearable device integration | — | ✓ | ✓ | ✓ |
| Full health domain — all sensors | — | ✓ | ✓ | ✓ |
| Longevity research monitor | — | — | ✓ | ✓ |
| Functional foods integration | — | Monthly | Monthly | Quarterly premium |
| Intelligence & Briefings | ||||
| Daily check-ins | ✓ | ✓ | ✓ | ✓ |
| Weekly system briefing | ✓ | ✓ | ✓ | ✓ |
| Cross-domain intelligence | — | ✓ | ✓ | ✓ |
| Peer intelligence — cohort benchmarks | — | — | ✓ | ✓ |
| Family coverage | — | — | — | ✓ |
Common questions
Before you start.
Before you start.
Answers worth reading.
Four weeks, completely free. No credit card required. The system connects your accounts, builds your baseline, runs its analysis, and delivers your full snapshot at week four — three focus areas, your behavioral patterns, and a starting system calibrated to your actual data. At that point you decide whether to subscribe. If you don't, the trial ends. No charge, no friction.
Your data is encrypted at rest and in transit. We use bank-level 256-bit AES encryption, TLS 1.3 for all connections, and Azure Key Vault for secret management. No credentials are ever stored in code. We conduct annual third-party penetration testing and publish the results. You can export or delete all your data at any time. We will never sell your data — to anyone, ever. Full details at vithropic.com/security.
No. Vithropic is an intelligence platform — we surface what the data shows, not what you should do. The difference matters. "Your food delivery spending is 2.3x the average for your income bracket" is data. "You should spend less on food delivery" is advice. We show you the data. You make the decisions. This is the same approach used by Mint, Personal Capital, and Empower — all of which operate in this regulatory lane successfully.
Financial accounts are connected through Plaid, which supports 12,000+ US financial institutions. This includes checking, savings, credit cards, loans, investment accounts (brokerage, 401k, IRA), and mortgage accounts. Health data connects through Google Health Connect (Android) or Apple HealthKit (iOS) via the Vithropic app. Wearables — Pixel Watch, Apple Watch, Fitbit, Garmin — integrate through those same health platforms.
No. The Foundation tier works entirely with financial data — no wearable needed. Intelligence and Wealth tiers unlock health domain tracking, which gets richer with a wearable but doesn't require one. Your phone's built-in sensors (steps, sleep estimation) provide a baseline. A wearable adds continuous heart rate, detailed sleep stages, stress monitoring, and skin temperature — all of which deepen the cross-domain intelligence significantly.
The first 100 Vithropic members lock in $25/month forever — half the Foundation price, locked for life. This is a one-time offer for the people who join early and help shape what the product becomes. Founding members get full Foundation access and are first in line when Intelligence features roll out. When the 100 spots are claimed, this price is gone permanently.
The four-week trial exists for exactly this reason. You don't commit until the system has shown you what it found. If the snapshot doesn't resonate — if the focus areas don't feel right, if the analysis doesn't match your life — you simply don't subscribe. No charge, no questions asked. After subscribing, you can cancel at any time. We don't believe in friction-based retention. If the system isn't working for you, you should leave.
Those tools are dashboards. They show you what happened. Vithropic is a system that runs continuously and improves your life whether you log in or not. The difference is persistence and cross-domain intelligence. Mint never knew your sleep affected your spending. YNAB doesn't connect your tax situation to your investment allocation. Vithropic sees the whole picture — and gets more accurate every month as context accumulates. After 18 months, no other system could generate the briefings you receive.
256-bit encryption
Bank-level security. All data encrypted at rest and in transit.
Annual pen testing
Third-party security audits every year. Results published.
You own your data
Export or delete everything at any time. One click. No waiting.
We never sell your data
Not your data. Not the company. Not our values. Ever.
Start today
Four weeks to see
Four weeks to see
what your system looks like.
No credit card. No commitment. The system builds your baseline and delivers your snapshot. Then you decide.