Plans that expand what you can do
The free plan is not a demo. It is a real curriculum with real progression — enough to change how you handle money. Paid plans open the rest of the map.
Everything, side by side
| Feature | Free | Plus | Pro |
|---|---|---|---|
| Money Foundations, in full | |||
| Credit fundamentals | |||
| Daily challenge | |||
| XP, levels and streaks | |||
| Core simulators (budget, emergency fund, compounding) | |||
| Progress saved to your account | |||
| Every learning category | — | ||
| Financial Knowledge Score | — | ||
| Category mastery, up to Illuminated | — | ||
| Branching scenarios | Limited | ||
| Boss challenges | — | ||
| Weekly challenges | — | ||
| Full achievement gallery | Core set | ||
| Credit, mortgage and retirement simulators | — | ||
| Advanced mortgage and housing modules | — | — | |
| Expert-level material | — | — | |
| Rent-vs-buy and car financing simulators | — | — | |
| Explanations rewritten on request | — | — | |
| Adaptive recommendations from your weak spots | — | — | |
| Detailed personal analytics | — | — | |
| Personalised weekly progress report | — | — | |
| Shareable mastery certificates | — | — |
Questions worth answering
Is the free plan actually useful?
Yes, and deliberately so. Money Foundations and Credit fundamentals are complete categories, not samples — paychecks, budgeting, cash flow, emergency funds, credit scores and utilisation. Paid plans expand what you can do; they do not repair a free plan that was broken on purpose.
What happens if I cancel?
You keep full access until the end of the period you have already paid for, then move to Free. Your XP, level, achievements, streak and complete history stay on your account. Resubscribe and you pick up exactly where you left off.
Can I switch between monthly and annual?
Yes, through the Stripe customer portal in Settings → Billing. Changes follow Stripe’s standard proration, so you are never charged twice for the same period.
Do you need my bank details?
No. Beacon never asks for bank accounts, card numbers, credit scores or Social Security numbers. Payments are handled entirely by Stripe, and card details never touch our servers.
What if my payment fails?
Your access continues during a grace period while Stripe retries — a declined card is usually an expired card, not a decision to leave. You will get an email and a clear prompt to update your payment method.
Is this financial advice?
No. Beacon is education. It explains how things work and lets you model your own numbers, but it does not know your full circumstances and cannot tell you what to do. For decisions with real consequences, talk to a qualified professional.