One intelligence.
Four ways in.
Abundera isn't a budgeting app. It's a financial advocacy platform—AI that fights for your money. Businesses, taxes, properties, investments, and health costs in one encrypted vault. Every plan includes private AI, passkey authentication, AES-GCM encryption, read-only connections, and we never sell or share your data.
Core
See the full picture
Billed annually at $490/yr
Get started- 3 linked institutions e.g. Chase, Fidelity, Schwab — all accounts within each included
- 5 manual accounts
- Net worth tracking
- 12-month transaction history
- Income tracking
- Basic tax profile
- Investment tracking (view only)
- 1 business
- CSV data export
- Net worth projections
- Savings & reward alerts
- Benefits eligibility screening
- Abundera Letters (1 per 6 weeks) dispute charges, negotiate bills — delivered by mail
- Email support (48hr SLA)
Plus
More depth, more control
Billed annually at $790/yr
Get started- 5 linked institutions all accounts within each included
- 10 manual accounts
- 24-month transaction history
- Income tracking
- Basic tax profile
- Investment tracking (view only)
- 2 businesses
- 1 account delegate
- CSV export
- What-if scenario modeling
- Smart deal discovery
- Benefits eligibility screening
- Abundera Letters (2/mo) dispute charges, negotiate bills, medical letters
- Email support (36hr SLA)
Pro
The AI works for you
Billed annually at $1,290/yr
Get started- 10 linked institutions all accounts within each included
- Unlimited manual accounts
- Net worth tracking
- Unlimited transaction history
- Full tax profile (multi-state)
- Full investment tracking + performance
- 5 businesses
- Property tracking
- AI decision engine & Monte Carlo projections
- Proactive benefits optimization
- CSV + PDF export
- Calendar + email integrations
- Approval policies
- AI chat support
- Benefits eligibility screening
- Abundera Letters (5/mo) disputes, negotiations, medical bills, debt responses
- 2 account delegates
- Read-only API (1,000 calls/day)
- Email support (24hr SLA)
Vault
Your data, your vault
Billed annually at $3,490/yr
Get started- Everything in Pro, plus:
- Unlimited linked institutions
- Unlimited businesses + delegates
- Dedicated database — your data, your vault
- Advanced financial analysis (continuous, priority)
- Proactive wealth insights
- 24/7 cross-pillar simulation engine
- Health cost analysis
- Deal/benefit discovery
- Live chat with human support
- Abundera Letters (15/mo) all templates including medical & hardship
- Hardware passkey enforcement
- 30-day backup/restore
- Full API (10,000 calls/day)
- Priority support (12hr SLA)
- Hourly data refresh
Try any plan risk-free. If it's not right for you, we'll refund your payment in full—no questions asked.
What Abundera replaces
One financial advocacy platform that consolidates work you're already paying for.
Showing all plans. Higher tiers include everything below.
| Without Abundera | Typical annual cost | With Abundera |
|---|---|---|
| Mint / basic budgeting app | $0–$100/yr | Core Net worth, income, investments, tax profile, and a business—not just spending |
| Income tracking spreadsheet | Your evenings | Core Automatic income tracking across 3 institutions—salary, freelance, side hustles in one view ~3 hrs/mo saved |
| Basic tax prep (TurboTax, H&R Block) | $50–$200/yr | Core Basic tax profile with year-round visibility, not just filing season |
| Investment app (Robinhood, SoFi) | $0–$100/yr | Core View-only investment tracking alongside your full financial picture—not siloed in a brokerage |
| Retirement calculator apps | $0–$50/yr | Core Basic net worth trajectory and ‘Am I on track?’ gauge—always current, not a one-time snapshot |
| Searching for deals & rewards yourself | Hours/month | Core Automated credit card reward matching and bank bonus alerts—savings find you ~4 hrs/mo saved |
| Personal finance spreadsheet | Your weekends | Plus 5 institutions, 24-month history, 10 manual accounts—zero weekend data entry ~5 hrs/week saved |
| Portfolio tracker (Empower, Kubera) | $0–$200/yr | Plus Investment tracking, 2 businesses, delegate access, and CSV export in one view |
| Tracking finances across 5+ apps | 5+ hours/week | Plus One dashboard replaces app-hopping—automatic sync means your time goes to living, not updating spreadsheets |
| Online what-if calculators | Hours of guesswork | Plus Scenario modeling—‘Can I afford this car?’, retirement timeline, savings goals—powered by your real data Instant answers |
| Deal tracking apps (Honey, Rakuten) | $0–$50/yr | Plus Smart deal discovery, subscription audit, loyalty program optimization—beyond just coupons |
| Bookkeeper (monthly reconciliation) | $3,000–$6,000/yr | Pro Automatic categorization, multi-business tracking ~10 hrs/mo saved |
| CPA (tax planning sessions) | $1,500–$4,000/yr | Pro Full tax profile, multi-state, quarterly estimates |
| Investment advisor (quarterly reviews) | $2,000–$8,000/yr | Pro Full investment performance, asset allocation, and property tracking—always current |
| Tracking properties + businesses yourself | Hours/month | Pro Properties, 5 businesses, delegates, and API in one view |
| Financial planner (projection sessions) | $2,000–$5,000/yr | Pro AI-powered Monte Carlo simulations—‘When can I retire?’, ‘How much runway do I have?’—unlimited runs, always current |
| Fee-only advisor (decision sessions) | $200–$500/session | Pro AI decision engine—‘Buy this house?’, ‘Take this job?’, ‘Lease or own?’—on demand, no appointment needed Instant, on demand |
| Connecting health, time, and finances yourself | Impossible | Pro Cross-pillar insights—stress impacts spending, sleep affects productivity, fitness correlates with earnings |
| Healthcare cost forecasting | $1,000–$3,000/yr | Pro Insurance plan comparison, HSA/FSA optimization, out-of-pocket projections—connected to your full financial picture |
| Productivity coach (time audit) | $2,000–$6,000/yr | Pro Calendar + financial integration reveals the dollar cost of your time—know what to delegate vs. DIY |
| Benefits consultant | $1,000–$3,000/yr | Pro Proactive savings alerts—tax-loss harvesting, insurance optimization, fee reduction—connected to your full picture |
| Wealth simulation firm | $10,000–$25,000/yr | Vault Cross-pillar simulation engine—wealth, health, and time models running 24/7 with proactive alerts |
| Health insurance advisor | $2,000–$5,000/yr | Vault Health cost analysis, coverage gap detection |
| Personal concierge (benefits & deals) | $3,000–$10,000/yr | Vault Full proactive concierge—vendor negotiations, rate optimization, benefit discovery across all accounts ~20 hrs/mo saved |
| Hiring a lawyer to write dispute letters | $500–$2,000/yr | Vault Abundera Letters — AI-generated dispute, negotiation, and medical letters sent as certified mail on your behalf |
| Family office (private wealth mgmt) | $50,000–$150,000+/yr | Vault Dedicated database, continuous AI analysis, hourly refresh |
Core at $490/yr does what no budgeting app can—investments, taxes, income, and a business in one place.
Plus at $790/yr replaces your spreadsheet empire and gives you 5+ hours/week back.
Pro at $1,290/yr replaces $12,000–$36,000+ in advisors, projections, and decision support—available 24/7, not just quarterly.
Vault at $3,490/yr replaces $75,000+ in family office, simulation, and time-optimization services—with complete data sovereignty.
Database Isolation by Plan
Your database isolation level scales with your plan — a security differentiator no competitor offers.
| Plan | Isolation | Security Benefit |
|---|---|---|
| Core / Plus | Shared shard (250 users) | Row-level encryption + access control |
| Pro | Micro-shard (50 users) | Near-dedicated, minimal cross-user exposure |
| Vault | Dedicated database | Complete isolation, independent backups, instant deletion |
Enterprise
For organizations managing wealth across multiple users, with compliance requirements that go beyond individual plans.
- Everything in Vault
- Multi-seat / multi-user
- SSO / SAML
- Custom SLAs
- SOC 2 report access
- Dedicated account manager
- Unlimited Abundera Letters
We'll respond within one business day.
Frequently asked questions
What's the 30-day guarantee?
If you're not satisfied with Abundera for any reason within the first 30 days of your subscription, contact us and we'll refund your payment in full. No questions asked, no hoops to jump through. We want you to stay because the product earns it.
Can I upgrade or downgrade?
Yes, at any time. Upgrades take effect immediately and we'll prorate the difference. Downgrades take effect at the start of your next billing cycle so you keep your current features through the end of what you've paid for.
What happens to my data if I cancel?
You can export all of your data before canceling. After cancellation, your data is retained for 30 days in case you change your mind, then permanently deleted from all systems including backups. If you're on the Vault plan, your dedicated database is destroyed. We don't hold data hostage.
What counts as a "linked institution"?
One institution means one bank, brokerage, or financial provider—regardless of how many accounts you hold there. If you have Chase with a checking account, savings, and three credit cards, that's one institution. Most people need 2–3 institutions to cover their full financial picture.
Do you offer free trials?
We don't offer a traditional free trial, but the 30-day satisfaction guarantee serves the same purpose. Sign up, connect your accounts, and use the full product. If it doesn't deliver value, you get your money back. We think this is more honest than a feature-limited trial.
Do you sell or share my data?
Never. We don't sell, rent, or share your data with advertisers, data brokers, or any third party. We don't use your information to train AI models for other users. Financial connections are strictly read-only—we can't move money or make purchases. Your data exists to serve you and no one else.
What are projections and the AI decision engine?
Pro and Vault plans include AI-powered simulations that model your financial future. Run Monte Carlo projections on retirement readiness, ask “Should I buy this house?” or “Can I afford this career change?”, and get answers grounded in your actual data—not generic calculators. Vault plans add cross-pillar simulation that connects wealth, health costs, and time value into a single continuous model.
Can I pause my subscription?
Yes. You can pause your subscription at any time from Settings. While paused, your data stays encrypted and safe, but you won't be billed and won't have access to the platform. Resume whenever you're ready—your data will be exactly where you left it.
AI-generated projections and insights are for informational purposes only and do not constitute financial, investment, tax, or medical advice. Always consult a qualified professional before making financial or health decisions.