Pricing

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.

Founding members

First 100 members lock in $29/month for life — almost half the Track price, and it never changes. When the spots are gone, this price is gone.

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Pricing

Track. Build. Live Funded.

Everyone starts with four weeks free. Upload your documents, let the system build your complete financial picture. At the end of four weeks the system suggests the tier that fits — you choose what you're comfortable with. No pressure, no lock-in.

Track
$ 49
per month · $490/year
Know exactly where you stand

Upload your documents and see your complete financial picture for the first time. Net worth, debt-free date, emergency fund runway — all in one place.

  • Document upload — bank, credit cards, mortgage
  • Net worth tracking — updated every upload
  • Spending intelligence and pattern recognition
  • Emergency fund runway calculation
  • Debt-free date projection
  • Monthly Financial Progress Report
  • Weekly Intelligence Briefing
Most popular
Build
$ 149
per month · $1,490/year
Actively building toward funded

The full intelligence layer. Investments, tax optimization, retirement planning, and health — every domain connected and working together.

  • Everything in Track
  • Investment intelligence — fee detection, drift
  • Retirement planning — 100-year projections
  • Tax optimization calendar — Roth, harvesting, RMDs
  • Full health domain integration
  • Credit report upload and analysis
  • Professional intelligence feed
Funded
$ 249
per month · $2,490/year
Living funded

Advanced wealth intelligence, longevity research, peer benchmarks, and blood panel analysis. The complete system for the person serious about 100 years.

  • Everything in Build
  • Advanced wealth architecture
  • Longevity research monitor — PubMed, clinical
  • Blood lab upload and biomarker tracking (beta)
  • Peer intelligence — cohort benchmarks
  • Full tax strategy suite
  • Asset-backed borrowing intelligence
Funded Family
$ 349
per month · $3,490/year
Two people. One plan.

You and your partner, each with your own private dashboard and intelligence. Upload your own documents independently. Joint accounts appear on both dashboards naturally. providing separate intelligence.

  • Everything in Funded — for both of you
  • Invite your partner from your dashboard
  • Each person has their own private account
  • Joint accounts appear on both dashboards
  • Fully independent if finances are separate
  • Saves $149/month vs two Funded accounts
Begin your four weeks — free

No credit card. No commitment. At the end of four weeks the system recommends the right tier for you — you choose what fits.

Compare plans

Everything, side by side.

Feature Track
$49/mo		 Build
$149/mo		 Funded
$249/mo		 Funded Family
$349/mo
Financial Intelligence
Daily spending intelligence✓✓✓✓
Freedom System — debt elimination✓✓✓✓
Document uploads✓✓✓✓
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—MonthlyMonthlyQuarterly premium
Intelligence & Briefings
Daily check-ins✓✓✓✓
Weekly system briefing✓✓✓✓
Cross-domain intelligence—✓✓✓
Peer intelligence — cohort benchmarks——✓✓
Partner coverage———✓
Common questions

Before you start.
Answers worth reading.

Four weeks, completely free. No credit card required. Upload your last three months of statements — bank, credit cards, retirement accounts, mortgage. The system builds your complete financial picture the same day, runs its analysis, and delivers your full snapshot — net worth, debt-free date, emergency fund runway, and the highest-leverage opportunities across your domains. You choose which three to focus on. When the data confirms improvement, the system surfaces the next opportunity. 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 using 256-bit AES encryption and TLS 1.3 for all connections. Azure Key Vault manages all secrets — no credentials ever exist 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. "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 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.
Any text-based PDF downloaded directly from your financial institution — bank statements, credit card statements, retirement account statements (401k, IRA, pension), investment account statements, mortgage statements, and credit reports. CSV exports are also supported. Documents are processed in memory and immediately discarded — only your transactions and balances are stored. Health data connects through Google Health Connect (Android) or Apple HealthKit (iOS). Wearables — Apple Watch, Pixel Watch, Fitbit, Garmin, Oura — integrate through those same health platforms.
No. The Track tier works entirely with financial data — no wearable needed. Build and Funded tiers unlock health domain tracking, which improves with a wearable but doesn't require one. Your phone's built-in sensors 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 $29/month forever — almost half the Track 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 trial access and are first in line as new 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, you simply don't subscribe. No charge, no questions. After subscribing, 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.
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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.
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We never sell your data Not your data. Not the company. Not our values. Ever.
Start today

Four weeks to see
what your system looks like.

No credit card. No commitment. The system builds your baseline and delivers your snapshot at week four. Then you decide.

Begin your four weeks — free See how it works

No credit card · No commitment · Cancel anytime