Everything included — no tiers, no add-ons. The only money app that doesn’t just track your wealth, it helps you build it.
Connect your accounts and see your whole financial life in one place — free for 7 days.
We email you before the trial ends. Cancel in one click, any time, no questions.
If you stay, your founding rate locks for life. First 500 members only.
Match them on everything you’d expect — then look at the top four rows. That’s the wealth-building engine only Why I’m Richer has.
| Capability | Why I’m Richer | Monarch | Rocket Money |
|---|---|---|---|
★AI advisor that gives the actual move Real strike prices, allocations, reads aloud — not a summary | ✓ | Generic | — |
★Path to Freedom planner Your freedom number, milestone ladder, fastest route to the goal | ✓ | Forecast only | — |
★Live options income engine (PMCC) Real premium income wired into your plan — nobody else has it | ✓ | — | — |
★Life insurance & annuity tracking | ✓ | — | — |
Net worth across every account, live | ✓ | ✓ | Premium |
Connect 13,000+ banks & brokerages Including Schwab, Robinhood, Fidelity | ✓ | ✓ | ✓ |
Spending & 90-day cash-flow ledger | ✓ | ✓ | ✓ |
Detect bills & subscriptions automatically | ✓ | ✓ | ✓ |
Budgets & overspend alerts | ✓ | ✓ | ✓ |
Read-only, encrypted & never sold | ✓ | ✓ | ✓ |
| Price | $99/yr Core · Pro $49/mo | $8–17/mo | $4–12/mo |
Comparison based on publicly listed features of monarch.com and rocketmoney.com as of July 2026. ★ = only Why I’m Richer.
They show you your money. Why I'm Richer shows you how to build it. Atlas, your AI advisor, gives you the actual next move — the strike, the allocation, the fastest route to your freedom number — powered by a live options engine no other app has.
Core ($99/yr) is your complete money app — net worth, budgets, spending, credit, Path to Freedom and Atlas in educational mode. Pro ($49/mo) adds the offense engine: Atlas hands you the actual moves (specific strikes and allocations) and connects live to the PMCC options engine. Start on Core, upgrade to Pro anytime.
The first 500 members lock the founding rate for life — Core at $99/yr (vs $149) or Pro at $49/mo (vs $99). Your rate never goes up as long as you stay a member.
No — the PMCC Engine is its own separate platform at $297. Pro connects to it, and you can bundle the two together ("The Deal"). PMCC is never discounted or folded into WIR pricing.
Yes. Every connection is read-only and bank-level encrypted. We never sell or share your financial data — our revenue comes only from members, never advertisers.
No. Why I'm Richer is an educational tool. It computes everything from your real numbers and explains the math — it does not provide financial, investment, tax or legal advice. Always consult a licensed professional before making decisions.
Start your 7-day free trial. Core from $99/yr, Pro at $49/mo — founding rates locked for life, first 500 only.