Every analysis tied to a decision you might be making right now is on the free plan. Pay when you want the depth behind it — retirement, taxes, and the rest of the 24.
Starter
For the question that brought you here.
No credit card required.
Household
Works out at $6.58 a month — save 18%
Or $79 a year and save 18%
Locked in for as long as you stay subscribed. 200 founding spots.
For the question underneath it: are we going to be OK?
Billed once a year. Covers the whole household — up to 5 members at no extra cost.
Billed monthly, cancel any time. Covers the whole household — up to 5 members at no extra cost.
Founding member pricing is limited to 200 households on a paid Household subscription. Your rate stays the same for as long as your subscription remains active — including if you switch between monthly and annual billing, and if a missed payment is later paid. If you cancel and later resubscribe, the price at that time applies. See section 5.8 of our Terms of Use.
Both plans run on the same ledger and the same math. Starter answers the decision in front of you; Household answers whether the plan behind it holds — including a retirement projection that carries federal tax through every withdrawal year. See exactly how each one is calculated.
Both plans, line by line. The Decision Lab rows are listed individually rather than grouped, so you can see exactly which analysis sits on which side.
| Feature | Starter $0 |
Household $7.99/mo or $79/year |
|---|---|---|
| Household | ||
| Household members | 2 | 5 |
| Shared household accounts | — | ✓ |
| Per-person permissions (view only / can add / can manage) | ✓ | ✓ |
| Household budgets | — | ✓ |
| Household reports (combined view) | — | ✓ |
| Accounts & Transactions | ||
| Accounts | Unlimited | Unlimited |
| Transactions | Unlimited | Unlimited |
| Recurring rules | Up to 5 | Unlimited |
| Recurring auto-posting | ✓ | ✓ |
| Custom categories | — | ✓ |
| Data export | ✓ | ✓ |
| Budgets | ||
| Monthly budgets by category | ✓ | ✓ |
| Budget insights & alerts | — | ✓ |
| One-click budget copy | — | ✓ |
| Budget features — including budget variance under Reports below — read category-level data, so they need transactions entered individually rather than as period summaries. See how tracking styles work. | ||
| Goals | ||
| Personal goals & contribution tracking | ✓ | ✓ |
| Shared household goals | — | ✓ |
| Reports | ||
| Cashflow report | ✓ | ✓ |
| Net worth tracker | ✓ | ✓ |
| Account balance history | ✓ | ✓ |
| Advanced reports (budget variance, monthly story, household pulse) | — | ✓ |
| Decision Lab — the decision you came for | ||
| Should I Pay Off My Mortgage Early? | ✓ | ✓ |
| How Much House Can I Afford? | ✓ | ✓ |
| Buy vs Rent | ✓ | ✓ |
| Debt Payoff Strategy | ✓ | ✓ |
| Salary Benchmark | ✓ | ✓ |
| Career & Income Decision | ✓ | ✓ |
| College Savings Planning (529) | ✓ | ✓ |
| Emergency Fund Analysis | ✓ | ✓ |
| Savings Rate Insights | ✓ | ✓ |
| Financial Health Dashboard | ✓ | ✓ |
| Decision Lab — everything after it | ||
| Portfolio Projection (Monte Carlo) — 1,000 scenarios, federal tax on every withdrawal | — | ✓ |
| Federal Tax Estimator | — | ✓ |
| Required Minimum Distribution (RMD) Calculator | — | ✓ |
| Safe Retirement Date | — | ✓ |
| How Much Do I Need to Retire? | — | ✓ |
| 401(k) Contribution Analysis | — | ✓ |
| Should I Convert to Roth? | — | ✓ |
| Backdoor / Mega Backdoor Roth | — | ✓ |
| Financial Freedom Date | — | ✓ |
| Financial Freedom Calculator | — | ✓ |
| Savings Analysis | — | ✓ |
| How to Save More Money | — | ✓ |
| Insurance Coverage Analysis | — | ✓ |
| Vehicle Purchase Decision | — | ✓ |
| Every analysis saves one result, on either plan. Re-running an analysis replaces the result it saved before — HelloMula does not yet store multiple named scenarios side by side. Scope and limits. | ||
HelloMula is new, and the first households who join are helping shape it. As a thank-you, 200 founding members keep today’s Household price — $7.99 a month or $79 a year — for as long as they stay subscribed. If our price changes later, yours won’t.
Switching between monthly and annual keeps your founding rate, and so does paying a missed invoice. Cancelling ends it: if you come back later, the price at that time applies. The free plan is always there if you would rather start there.
Starter covers households of up to 2 members with unlimited accounts, unlimited transactions, core reports and ten Decision Lab analyses. No credit card is needed to sign up. We will notify you at least 30 days before any change to what the free plan includes.
No — and that is deliberate. If you came here asking whether to pay off the mortgage, what house you can afford, whether to take the offer, or how to fund college, that analysis is on the free plan.
Household is for the question underneath all of those: does the long game still work? It opens the 1,000-scenario retirement projection — the one that grosses up every withdrawal for federal tax instead of spending pre-tax dollars it doesn’t have — plus the federal tax estimator, RMD scheduling, Roth and 401(k) modelling, and the rest of the twenty-four.
Because a plan you cannot buy is not a plan. We would rather show you two real options than three where one is a placeholder. If your household needs more than 5 members, or you want to keep a side business separate from household money, tell us — that is the next thing we are likely to build, and we would rather hear it from you than guess.
Yes. Upgrades take effect immediately. Downgrades take effect at the end of your current billing cycle, and you keep access to Household features until that date. Your data is never deleted when you move to the free plan — the analyses you can no longer open are waiting if you come back.
Your data belongs to you. You can download it from your profile at any time. When you delete your account, it is removed 30 days later, subject to legal retention requirements.
More questions? Visit our full FAQ or contact us.
No credit card required to start on the free plan.
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