Pricing
Start free. Go further when you’re ready.
The free plan is a real course, not a demo: 18 lessons on your paycheck, a budget, an emergency fund and how credit works. Plus opens all nine categories and shows you what you actually know. Pro adds the expert lessons and the tools that adapt to you.
- No card to start
- No bank connection, ever
- Cancel any time in Settings → Billing
Free
Real financial education, at no cost.
Free
No card needed
For getting the basics solid: your paycheck, a budget, an emergency fund and how credit works.
Handle the money decisions that come up every month.
- Money Foundations: paychecks, budgeting, cash flow, emergency funds and the real cost of a car
- Credit Basics: how scores, reports and utilization really work
- A new daily challenge, picked at random from the whole question bank
- XP, levels and streaks
- Budget, emergency-fund and compound-growth simulators
- Three branching scenarios and the core achievements
- Progress that saves to your account
Plus
Every category, and a clear picture of what you know.
$79.99/year
About $6.67 a month
$39.89 less than twelve monthly payments
For getting genuinely good with money: debt, investing, retirement, taxes and housing.
Renews at $79.99 a year. Cancel any time in Settings → Billing.
Everything in Free, and:
- All nine categories, including the rest of Credit, plus Debt, Banking, Investing, Retirement, Taxes, Housing and Protection
- Your First Car: new or used, car loans, leasing and the dealer’s offer
- Your Financial Knowledge Score, so you can see what’s sinking in
- Mastery tracking for every category
- A daily challenge picked from your own misses and weak topics
- Review mode: practice the questions you’re most likely to forget
- Boss challenges and branching scenarios that test real decisions
- Credit card, debt payoff, mortgage, affordability and retirement simulators
- Weekly challenges and nearly the whole achievement gallery
- Four extra avatar icons
Expert lessons and the Advanced Housing module are part of Pro.
Pro
The deepest material, and tools that adapt to you.
$129.99/year
About $10.83 a month
$73.89 less than twelve monthly payments
For big decisions ahead: buying a home, planning retirement, or going deeper on anything.
Renews at $129.99 a year. Cancel any time in Settings → Billing.
Everything in Plus, and:
- Expert lessons in eight categories, plus the Advanced Housing module
- Every lesson open, so Illuminated is within reach in every category
- Recommendations pinpointed to the exact topic you keep missing
- Rent vs buy and car financing simulators
- Compare your saved simulator runs side by side
- A personalized weekly progress report and detailed analytics
- Shareable certificates when you reach Mastered or Illuminated
- A manual net worth tracker, with no bank connection, ever
Not sure yet? Start free. Everything you learn carries over if you upgrade later, and everything you have already done still counts. Compare every feature
Everything, side by side
120 lessons across nine categories, 10 simulators and 16 scenarios. Here is where each one sits.
| Feature | Free | Plus | Pro |
|---|---|---|---|
| Learn | |||
| Money Foundations | 13 of 18 lessons | Core | All lessons |
| Your First Car | First lesson | All lessons | All lessons |
| Credit | Basics | Core | All lessons |
| Debt, Banking, Investing, Retirement, Taxes and Protection | Not included | Core | All lessons |
| Housing and mortgages | Not included | Core | All + Advanced Housing |
| Practice | |||
| A new daily challenge | Random pick | Tailored to your weak spots | Tailored to your weak spots |
| Branching scenarios | 3 | All 7 | All 7 |
| Boss challenges | Not included | ||
| Weekly challenges | Not included | ||
| Review mode, from your own forgetting curve | Not included | ||
| Track your progress | |||
| XP, levels and streaks | |||
| Achievements | Starter set | Nearly all | All 48 |
| Financial Knowledge Score | Not included | ||
| Category mastery tracking | Not included | ||
| Every lesson counts, so Illuminated is reachable everywhere | Not included | Not included | |
| Shareable mastery certificates | Not included | Not included | |
| Personalized weekly progress report | Not included | Not included | |
| Detailed analytics | Not included | Not included | |
| Tools | |||
| Budget, emergency fund and compound growth simulators | |||
| Credit card, debt payoff, mortgage, affordability and retirement simulators | Not included | ||
| Rent vs buy and car financing simulators | Not included | Not included | |
| Save your simulator runs | |||
| Compare saved runs side by side | Not included | Not included | |
| Net worth tracker, with no bank connection | Not included | Not included | |
| Personalized | |||
| Topic-level recommendations from your own weak spots | Not included | Not included | |
| Four extra avatar icons | Not included | ||
Learn
- Money FoundationsCore
- Your First CarAll lessons
- CreditCore
- Debt, Banking, Investing, Retirement, Taxes and ProtectionCore
- Housing and mortgagesCore
Practice
- A new daily challengeTailored to your weak spots
- Branching scenariosAll 7
- Boss challenges
- Weekly challenges
- Review mode, from your own forgetting curve
Track your progress
- XP, levels and streaks
- AchievementsNearly all
- Financial Knowledge Score
- Category mastery tracking
Tools
- Budget, emergency fund and compound growth simulators
- Credit card, debt payoff, mortgage, affordability and retirement simulators
- Save your simulator runs
Personalized
- Four extra avatar icons
Not in Plus (8)
- Every lesson counts, so Illuminated is reachable everywherePro
- Shareable mastery certificatesPro
- Personalized weekly progress reportPro
- Detailed analyticsPro
- Rent vs buy and car financing simulatorsPro
- Compare saved runs side by sidePro
- Net worth tracker, with no bank connectionPro
- Topic-level recommendations from your own weak spotsPro
Core means every lesson in a category except its expert one. Pro adds an expert lesson in eight categories and the four-lesson Advanced Housing module.
Questions worth answering
Is the free plan actually useful?
Yes, on purpose. Money Foundations and Credit Basics are real courses, not samples: paychecks, budgeting, cash flow, emergency funds, credit reports, scores and utilization. Paid plans add more; they do not repair a free plan that was broken on purpose. There is no time limit and no card to start.
Plus or Pro: which should I pick?
Start with Plus if you want the whole map: all nine categories, your Financial Knowledge Score, review mode and boss challenges. Choose Pro if a big decision is coming — buying a home, planning retirement — and you want the expert lessons, the Advanced Housing module, the rent vs buy and car financing simulators, and recommendations pinpointed to the exact topic you keep missing.
Does my plan renew automatically?
Yes. Plans renew each month or each year until you cancel. Cancel any time in Settings → Billing and you keep full access until the end of the period you have already paid for. We do not give partial refunds for unused time, except where the law requires it.
What happens to my progress if I cancel?
You move back to Free. Your XP, level, achievements, streak and full history stay on your account, and if you subscribe again you pick up exactly where you left off. Nothing you have learned is taken away.
What does the Financial Knowledge Score measure?
It is a number from 0 to 1,000 that reflects what you have shown you understand, rather than how long you have spent. Harder questions count for more, breadth across categories matters, and only your latest answer to each question counts, so repeating easy questions will not inflate it. Seeing it is part of Plus, and every answer you give on Free already feeds into it.
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.
The first 18 lessons cost nothing
No card, no trial clock. Decide about Plus once you know whether this works for you.