Pricing

One price. Lifetime access.

No subscriptions. No annual fees. No feature tiers. Pay once and own Wealth Mutant, with every core update included for as long as the app exists.

What each app costs

Every competitor is on a subscription. Wealth Mutant is not.

AppPriceMutation PathNo app store needed
Wealth Mutant← you are here$99 once
YNAB$109/yr
Monarch Money$99.99/yr
Copilot$95/yr

All prices in US dollars, as of September 2026; Monarch's is its Core plan. YNAB, Monarch, and Copilot are subscriptions that keep charging for as long as you use them.

Who is Wealth Mutant for?

You hate subscription software

You believe a tool should be paid for once. The app that watches your money shouldn’t be one more bill in it.

You want a structured system

Expense tracking is the floor. You get a clear 9-level path from financial chaos to financial independence.

You value your financial privacy

You don’t want to connect your bank account to a third party. Manual entry means you control what exists.

You want it to work anywhere

Any currency, any country, any device. Universal financial principles that work for your life.

Buying for a team? Corporate licenses are available — talk to us.

Pricing questions answered

A 9-level financial progression framework built into the app. Defense (L2–L5) builds your foundation: a starter emergency fund, investing started and debt cleared all run together, then six months of runway on top of the three. Level 1 is awareness and runs alongside the rest, gating nothing, and until you add a loan, a card or an overdraft, Level 4 asks once whether you have any. Offense (L6–L7) measures wealth velocity: how much your net worth grew over the last year as a share of your income, with a net-worth-multiple route for anyone already past it. Purpose (L8–L9) is a funded long-term goal, then freedom. The app reads your level from your real data and tells you exactly what to do next. The date you reach a level becomes permanent within a month; what that level says about you stays live, so it goes on hold if the ground under it moves and comes back when you do.

By design, and for three reasons. Awareness: writing a purchase down creates a moment of awareness auto-sync can’t replicate — it’s literally Level 1 of the Path. Privacy: no bank credentials, no third-party aggregator, no sync-layer breach risk. Price: sync providers charge per user per month forever; not paying them is why $99-once is possible. If you fall behind, upload a bank statement and Wealth Mutant reconciles it against your entries — anything missing imports in one tap.

Your data is stored encrypted with row-level security — every row is scoped to your account. We never sell your data, never show ads, and never train AI models on your personal financial information. Since there’s no bank linking, there are no bank credentials to steal. And your data is portable: export everything to CSV whenever you want.

Yes. The framework speaks in principles, not tax codes — emergency funds, retirement and investment accounts (401k, RRSP, Super, EPF, CPF…), debt and net-worth growth are all measured in your own currency against your own numbers. Track any currency, gold in grams, property, crypto. Indian users get ₹8,999 pricing with UPI, net banking, cards and wallets at checkout.

Three ways. The model: they charge $95–$109 every year; Wealth Mutant is $99 once. The system: they tell you where your money went; the Mutation Path tells you what to do next — nine levels from awareness to financial independence, detected from your real data. The philosophy: manual-first and private by design — no bank linking, no aggregators, no data resale.

Through Razorpay, a PCI DSS SAQ A compliant payment gateway. Your card details go straight to Razorpay; they never touch our servers. 3D Secure or an OTP runs on every transaction.

Yes. $99 once (₹8,999 in India). Every core feature and every core update, no renewals, no storage fees, no feature tiers. We never charge you again automatically, and a later price change never touches existing customers.

Indian visitors pay ₹8,999 — detected automatically at checkout — with UPI, net banking, cards, and wallets supported. The product is identical in every region.

There’s no formal discount program, but creators we partner with share promo codes with their audiences — if you have one, enter it at checkout. The 7-day free trial is the best way to be sure before you buy.

If you bought without a trial: a 7-day window from the payment date, refunded to the way you paid within two business days, less the AI credits that come with every licence ($5, or ₹455 if you paid in rupees), which are non-refundable whether you use them or not. Purchases made after a free trial are not refundable; the trial is the evaluation period. Email support@wealthmutant.com with your Razorpay payment ID.

Weighing us against YNAB, Monarch or a spreadsheet? The side-by-side comparisons are here.

Paying off debt, earning unevenly or sharing money as a couple? See who it’s built for.

More questions? Contact us — we reply within 24 hours.