About the product

What ‘beta’ means for Moneyta

We say Moneyta is in beta. Here's what we actually mean by that, with no marketing spin.

The short version

Moneyta is a paid subscription product. During beta, members with an invite code get 60 days of full Gold access, free — no credit card required. Everyone else starts with a 7-day free trial. Beta means the product is usable but still being shaped, and your feedback directly steers what we build.

What works today

• Paste or import your holdings (manual entry, CSV, broker statement screenshot, free-text descriptions) — or connect a broker account directly (in beta).
• A health score, plain-English observations about your portfolio, and AI explanations from Goodwin, our portfolio analyst character.
• Stocks, ETFs, mutual funds, crypto, and spot precious metals — plus real estate, vehicles, and PIN-encrypted Vault valuables, rolled up into one net-worth view.
• Hedge-fund-style books underneath: a double-entry ledger of every transaction, tax lots, broker reconciliation, and real financial statements (balance sheet, income statement, trial balance).
• A tax hub: realized gains, income by 1099 bucket, and tax-loss harvesting candidates.
• Risk + return analytics (Sharpe, Beta vs SPY, Sortino, drawdown), a correlation matrix to spot positions that move together, and target-allocation drift detection.
• Moneyta Research: a desk of named AI analysts where a bull and a bear debate every claim, publishing evidence-backed reports — plus fund-manager filing tracking with follows and whale alerts.
• What-If scenarios and trade-idea evaluation: pressure-test a move against your portfolio before you make it.
• Ask your own AI: connect Claude, ChatGPT, or any MCP client to your Moneyta data, read-only.

What's still rough

• Some asset coverage is incomplete. International stocks, options, and futures aren't supported yet.
• Retirement modeling doesn't exist yet.
• Goodwin's explanations are useful but aren't personalized advice. We're an educational tool, not an investment adviser.
• You will occasionally find bugs. Telling us about them is the most valuable thing you can do during beta.

Why beta members get 60 days free

We want beta to surface honest feedback. Giving invite-code members 60 days of full Gold access — with no card on file — means you can really live with the product, and tell us what's broken, without a trial clock or a pending charge running down in the background.

Moneyta is an educational analytics tool, not a registered investment adviser, and charging a subscription doesn't change that. We describe what your portfolio looks like; we don't recommend trades. That posture holds whether you're on a trial, a beta invite, or a paid plan.

What happens when the trial or beta period ends?

You'll get advance notice, with no surprises. When a trial or beta period is close to ending, we'll email you. On the 7-day trial we collect a card up front, so unless you cancel beforehand your plan simply continues. Beta members have no card on file — when your beta ends, access simply pauses until you choose to subscribe. Either way your data is kept: we never delete it when a plan lapses, it's restored the moment you subscribe, and you can export or delete it yourself anytime.

How to help shape it

Use it. Find the rough edges. Tell us what's missing or confusing. There's a feedback button on every page once you're signed in. We read all of it, and what you tell us directly shapes what we build next.

Questions? Email us at [email protected]. A real person will reply.

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