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

Get started

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.

Start today

Pick the membership option that works for you

Join today

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

Join today

More than 900,000 people have used Finhabits to improve their finances. Our customers have invested over $400 million through the platform. 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 testimonial while investing with Finhabits

Myriam C.

“Go for it, you won’t be disappointed with Finhabits. That would be my message.”

Jose testimonial while investing with Finhabits

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 testimonial while investing with Finhabits

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

How much does membership cost?

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.

What’s included in the membership?

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.

Do I need to be an expert to start?

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.

How do I unlock Premium perks?

Reach $12,000 invested with Finhabits and you’ll automatically qualify for Premium, giving you access to deeper guidance and our fee cap benefit.