Pricing
$120 a year for the ledger. A roadmap for the rest.
A flat subscription, one price per person, whatever you own. An advisor's fee rises with your balance. Ember's rises only when Ember does more.
Annual
Billed $120 once a year, per person.
Join the waitlistFirst year $60. New annual subscriptions are half price for year one, then $120 a year.
Monthly
Billed $12 every month, per person. Cancel whenever you like.
Join the waitlistNo first-year discount on monthly. Yearly is $24 cheaper, or $84 with the first-year discount.
What $120 buys today
Phase one is the ledger. Nothing later works without a complete, reconciled record of what you have.
Every account in one register
Checking and savings, credit cards, cash, brokerage, mortgages, loans, real estate, and joint accounts at the share you own.
Reconciled, not estimated
Imported records stay immutable, your edits live alongside, and reconciled rows lock. The balance is the bank's number.
Secure account linking
Accounts at 12,000+ banks and brokerages link read-only. Your credentials never touch Ember's servers.
Your ledger, open to your AI
A read-only MCP server. Point Claude, or any MCP client, at your finances and ask it real questions.
The roadmap, and what moves the price
One line runs through it: from a ledger that records what happened to a system that says what to do about it. That is the work an advisor charges 1% a year for. No dates here, and the order can change.
The ledger
Private betaEvery account and every kind of transaction in one keyboard-first register: bank sync, imports, splits, transfers, tags, amortization, and reconciliation that locks.
Priced now at $120 a year.
Investments and net worth
NextA double-entry brokerage ledger with cost basis and unrealized gain on every position, and a net-worth line built on reconciled balances rather than scraped estimates.
Your financial checklist
PlannedContribution room and deadlines across 401(k), IRA, and HSA, the withholding rate that reaches them, savings rate computed from what cleared, idle cash, and card rewards below what you spend. Every open item priced, so nothing trivial reaches the list.
Households and equity comp
PlannedTwo logins over one set of accounts, so a couple budgets from the same ledger without sharing a password. RSU vesting, sell-to-cover, and the cost basis that follows from them.
Flat, against a percentage
An advisor's standard fee is about 1% of everything you own, in good years and bad, because the fee is on the assets rather than the outcome. A flat subscription does not move when your balance does.
| If you have | An advisor at 1% | Ember, annual | Ember as a share |
|---|---|---|---|
| $100,000 | $1,000/yr | $120/yr | 0.12% |
| $500,000 | $5,000/yr | $120/yr | 0.02% |
| $1,000,000 | $10,000/yr | $120/yr | 0.01% |
| $2,000,000 | $20,000/yr | $120/yr | 0.006% |
Ember does not do everything an advisor does. Phase one is a ledger; the phases that take on the rest are not built. The comparison is here because the shape of the two fees does not change however far Ember gets.
What will not change
The price will move as the roadmap lands. These will not.
Never a percentage of your assets
However far down the roadmap Ember gets, the fee is a flat subscription.
Never paid to recommend
No bank, card, or fund pays for a place on your checklist.
Never sold, never advertised
Your financial data does one job: showing you your finances. Not advertising, and not part of any data partnership.
Your term is your price
A price change never applies to a term you already paid for. You finish at the rate you bought.
Start with the ledger.
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