The core of Bearing is free forever. Upgrade when you want the AI copilot doing more of the thinking — coaching every decision and writing your brief each morning.
Everything you need to see where your money stands.
$0
Forever free
10 AI messages / month
Your money on autopilot, with an AI coach in your corner.
$49.99/yr
$4.17/mo billed annually
200 AI messages / month
14-day free trial · no card required
The complete financial command center for your household.
$99.99/yr
$8.33/mo billed annually
Unlimited AI messages
$199.00· One payment. Ultimate forever.
Every Ultimate feature — unlimited AI messages included — for a single payment. No renewals, no price increases, ever. When the founder seats are gone, they're gone.
| Feature | Free | Premium | Ultimate |
|---|---|---|---|
| Accounts, budgets & bills | |||
| Safe-to-spend & 30-day forecast | |||
| AI messages per month | 10 | 200 | Unlimited |
| AI coaching on affordability verdicts | |||
| AI-written daily brief | |||
| Priority AI & early features |
Premium comes with a 14-day free trial and no card is required to start it. If you do nothing, you simply land back on Free — nothing is ever charged without you choosing it.
Yes. Cancel in one click from Settings and your plan stays active until the end of the period you already paid for. Your budgets, transactions, and history remain yours on Free.
No. Whatever price you subscribe at is grandfathered for as long as you stay subscribed — future price increases only ever apply to new customers.
Nothing breaks. Every verdict, budget, and forecast is computed deterministically from your real numbers and keeps working — the AI's plain-English coaching pauses until next month or an upgrade.