Moneyta Is Now Free to Start

We used to ask for a credit card before you had seen a single number. That was the wrong order, and we changed it. Moneyta now has a permanent Free plan: no card, no trial clock. Here is exactly what it includes, what the paid plans add, and how we make money.

For most of this year, signing up for Moneyta meant handing over a credit card before you had seen a single number about your own portfolio. There was a seven day clock, and at the end of it we charged you. We told ourselves that was normal, because it is: a lot of software works that way.

Then we watched what people actually did. They arrived, they read the page, they reached the card form, and they left. Not because the product was wrong, but because we had asked for something before we had shown anything. You cannot judge a portfolio tool from a marketing page. You judge it by pointing it at your own holdings and seeing whether what comes back is true and useful.

So we changed the order. You look first. You pay later, or never.

What the Free plan includes

Free is not a demo and it is not a countdown. It is a real account that keeps working:

• One portfolio, up to 25 holdings. Type them, paste them from anywhere, or upload a CSV.
• A portfolio health score with a grade, recomputed as your holdings change.
• Goodwin's top three observations about what your portfolio actually looks like: where you are concentrated, what moves together, what is quietly doing the work.
• Three alerts, so you hear about a change without watching a screen.
• Follow up to five companies or fund managers and see what their filings said.
• The activity ledger: dividends, fees and realized gains in one plain timeline.
• The Idea Pad: write down a call before you make it, so future you can read what past you was thinking.
• A weekly digest by email, and target allocation with a headline drift reading.
• Your data, exportable or deletable at any time. That one is on every plan by design, including this one.

What the paid plans add

The paid plans are where the things that cost us real money live, and where the deeper work happens. Silver adds brokerage sync, so your holdings update themselves instead of being retyped after every trade. It opens the AI research desk, the look through into what your funds actually hold, trend detection across your own history, alert tuning, and the places you keep the rest of your net worth: property, vehicles, insurance and the PIN encrypted Vault.

Gold adds the books. Transactions with tax lots, a real double entry ledger, financial statements, the tax hub, shadow books against managers you follow, and the full research terminal with the smart money intelligence on top of public filings.

If it is free, am I the product?

No, and the answer is boring on purpose. Paid plans fund Moneyta. We do not sell your data, we do not share it with advertisers or data brokers, and there are no ads anywhere in the product. Our privacy policy says so in plain language, and the subprocessor list names the categories of company we rely on to run the service.

The honest economics: a Free account costs us something (prices, storage, the occasional analysis), and a small share of people who find Moneyta useful will want brokerage sync or the research desk and will upgrade. That is the whole model. It only works if Free is genuinely useful, which is why we did not make it a crippled tour.

What happens to your data if you stop paying

Nothing is deleted. If you cancel a paid plan, your account moves to Free. Everything you entered stays: your portfolio, your idea history, your property, your Vault, your alerts. Anything above the Free limits stays viewable, and you simply cannot add more until you upgrade again. You can still unlock your Vault, still read it, still export it, still delete it. We think a plan lapse should cost you features, never your records.

A few honest notes

• Free has no time limit today. We are not going to promise it will never change, because nobody can promise that truthfully. What we can promise is notice before we reduce what a Free account can do.
• There is no trial on the paid plans any more. Free is the trial, for as long as you want it. If you upgrade, you are charged that day and you can cancel any time.
• Beta members with an invite code still get 60 days of Gold with no payment method. When it ends, the account continues on Free instead of locking.
• Moneyta is still young. You will find rough edges. Telling us about them is the most useful thing you can do.

Start with your own numbers

The fastest way to know whether any of this is worth your time is to paste in what you own and read what comes back. It takes about a minute and it does not ask for a card.