A membership built for your financial future
Whether you're just getting started or already building wealth, Finhabits has a membership designed to grow with you
Build better habits
Learn in-app, explore practical content, and make confident money decisions.
Invest with confidence
Automated deposits, smart rebalancing, and low-cost ETFs built to grow.
Unlock personalized advice
Reach milestones and get expert support tailored to your goals.
Pick the membership option that works for you
Starter
- Financial wellness score and suggested next steps
- Money Journeys, easy to follow and practical bite-size lessons
- Insurance comparison tool
- Access to select livestreams
0
Free!
Growth
Everything in Starter, plus:
- Up to 3 investment accounts
- Diversified portfolios and automated deposits
- A full financial plan including goal setting and tracking
- Money Insights alerts tool
- 24/7 access to Emma, your AI-powered financial guide
- Masterclass style video classes on key financial topics
- Exclusive livestreams including live Q&A with financial experts
10
/month
Premium
Everything in Growth, plus:
- Unlimited investment accounts
- Biannual investment advisor meetings to get personalized advise
- Small group chats with Finhabits CEO and financial expert, Carlos Garcia
- Fee cap - your portfolio is managed for free after your first $100K*
*Available to members with more than $12,000 invested at Finhabits.
1.0% AUM
for balances up to $100K
Every dollar over that is managed for free!
- Transparent pricing, no hidden fees
- Fee cap means you pay less as you grow—your success literally pays off
We’ve helped over 900,000 people learn better financial habits. Our clients have invested more than $400 million at Finhabits. We’re excited to help you too!
4.6
average
App Store rating
"Finhabits is a way to grow your money, a way to learn how to invest your money."
Myriam C.
“Go for it, you won’t be disappointed with Finhabits. That would be my message.”
José P.
“You can achieve your goals as long as you start building the habit of saving — the sooner you begin, the more likely you are to reach your objective.”
Olga G.
Disclaimer: The testimonials presented are from individuals who were Finhabits users at the time they shared their comments. They were not compensated for their opinions. The experiences described do not necessarily reflect those of all users and are not a guarantee of future results.
FAQs
You can get started for free, upgrade to Growth for $10/month when you’re ready for hands-on planning. Once your portfolio reaches $12,000 you level up to Finhabits Premium at 1.0% AUM until your balance hits $100K—then everything above is managed for free.
In the Starter tier you have access to guided education, practical content, and insurance comparison tools. Growth adds up to 3 investment accounts, automated investing, goal-based planning, alerts, and exclusive content. Finhabits Premium unlocks unlimited accounts, advisor check-ins, and small group sessions with our leadership team.
No expertise required. Set your goals, connect your bank, and let automated contributions build your portfolio. Our advisors and AI coach Emma are here to guide you step by step.
Reach $12,000 invested with Finhabits and you’ll automatically qualify for Premium, giving you access to deeper guidance and our fee cap benefit.