Pricing
A free account gets you a complete financial analysis — the real thing, not a teaser. Lodestar Plus is a flat $14.99/mo, or $149.99/yr paid annually. No percentage of your assets, no hidden fees, cancel anytime.
Free
No card required.
- One complete financial analysis
- One portfolio review with a structural score
- Your financial health score and every finding behind it
- The top 3 moves from your action plan, with dollar impact
- 3 Personalized Opportunities
- All five calculators, unlimited
- Net-worth forecast with a Monte Carlo range
Lodestar Plus
Or $149.99/yr — $12.50/mo, saving $29.89 a year. 7-day free trial on either plan.
- Unlimited analyses and portfolio reviews
- The complete ranked action plan, not just the top three
- Every Personalized Opportunity we find
- Live bank sync so your picture stays current
- The live net-worth simulator — test decisions before you make them
- Advanced scenarios: job change, home purchase, early retirement
- Chat about your own analysis, grounded in your real numbers
- Tax Center with contribution-room tracking and CPA-ready strategies
- Budgets, goals, and alerts
- Shareable forecasts and reports
Why a Flat Fee Instead of a Percentage
The standard way to charge for financial help is a percentage of the money you have — typically 0.25% to 1% a year. On a $500,000 portfolio that is $1,250 to $5,000 annually, and it rises every year your balance grows, whether or not the work does.
Lodestar charges the same $14.99/mo whether you have $5,000 or $5 million, because the analysis costs the same to run either way. It also removes an awkward incentive: a percentage fee rewards steering people toward the largest possible managed balance, which is not always the move that helps them most. A flat fee is simply neutral about it.
The same principle governs affiliate relationships. Lodestar does earn referral revenue on some products it mentions, and says so — but affiliate payout is never an input to the ranking engine. Recommendations are ordered by computed dollar impact before any product is attached to them. The methodology page spells out how the ranking works.
Questions People Ask
How much does Lodestar Wealth cost?
A free account includes one complete financial analysis and one portfolio review, with no card required. Lodestar Plus is $14.99/mo, or $149.99/yr paid annually, which works out to $12.50/mo and saves $29.89 a year.
Is there a free trial?
Yes. First-time members get a 7-day free trial on either billing period. A card is required to start it, and you can cancel any time during the trial without being charged.
Do you charge a percentage of my assets?
No. Lodestar charges a flat subscription regardless of how much money you have. Registered investment advisers commonly charge 0.25% to 1% of assets per year, which on a $500,000 portfolio is $1,250 to $5,000 annually. A flat fee also removes any incentive to steer you toward larger balances — and Lodestar is not an investment adviser in any case.
Can I cancel anytime?
Yes, from your profile, with no cancellation fee and no phone call. Your Plus features remain active through the end of the period you have already paid for.
What happens to my data if I cancel?
Your saved analyses stay in your account and you keep free-tier access to them. You can delete your account and all associated data at any time from your profile. Bank credentials are never stored, and raw uploaded statements are processed and discarded rather than retained.
Are there hidden fees?
No. The subscription price is the entire cost. Lodestar does participate in affiliate programs for some products it mentions, and this is disclosed — but affiliate payout is never an input to the ranking engine. Recommendations are ranked by their dollar impact on you, computed before any product is matched to them.
Do I need to connect a bank account?
No. You can upload statements instead, and the free analysis works entirely from uploads. Bank sync is a Plus convenience for keeping the picture current, not a requirement.
Not Ready to Sign Up?
The interactive demo walks a complete analysis with sample data — no login, nothing to upload. The calculators are free and unlimited with no account at all.