Pricing
Start free. Pay for the households you keep.
Three models, emergency-fund, relocation, and side-business, and the whole household engine are free to run with no signup, no API key and no card, and a free sandbox key opens everything else for thirty days. Launch is $495/month for the full catalog of 61 models and the households you keep; Growth adds white-label branding and household scale. There is no per-run metering.
Last reviewed
Sandbox
FreeThree models and the whole household engine, on the same API, MCP server and embed script the paid plans use. Enough to check our math against yours before you spend anything.
- ✓Three full models: emergency-fund, relocation, and side-business
- ✓The household engine on your own numbers — projection, Monte Carlo, coordinated strategies, and a whole book at once. Nothing is stored, so no key and no account
- ✓REST API and MCP server — no key required
- ✓Verify a claim, grade your answers, print a report — on those three
- ✓Embeddable calculators, one script tag
- ✓Full specs, contracts, open case files, and the public changelog
- ✓Keep the Worthune badge on embeds and credit API results
- ✓A test key by email: the whole catalog and 5 stored households at a time — create, project, decide, import, webhooks, the console — for 30 days, renewable up to 3 keys
Launch
Most teamsFor products that put our numbers in front of their own customers.
- ✓All 61 models, over the API and MCP server
- ✓Households you keep: 250 active included, then $1.50 each — an id, the REST surface, bulk import, signed webhooks and drift detection around each one
- ✓Bulk import with dry-run, aggregator adapters, and signed webhooks
- ✓Every spec and every case file, not just the samples
- ✓Claim verification, answer grading, and computation reports across the catalog
- ✓Embeds and API results without the Worthune badge
- ✓Pin a spec version so your integration doesn't move under you
- ✓A usage dashboard for your account, and email support
Growth
Scaling upFor teams putting the engine in front of many customers — and the tier new model families reach first.
- ✓Everything in Launch
- ✓2,500 active households included, then $0.90 each
- ✓White-label tenant branding — your name, theme, and appended disclosures on client surfaces, with attribution removal
- ✓Tenant-bound embeds: real households on your domain allowlist, via short-lived signed tokens
- ✓Priority support with a named contact
- ✓First access to new model families as they ship
- ✓Annual invoicing and PO support
Made-to-measure
InstitutionsFor platforms that want the engine under their own name, or models that do not exist yet, built and tested the same way as ours.
- ✓Custom models, specified and tested the same way as ours
- ✓Custom eval datasets for testing financial AI
- ✓Evidence pack per model — a print-ready bundle for vendor review
- ✓Facts feed — sourced tax-year constants for your own pipeline
- ✓White-label calculators and planning flows
- ✓Private-cloud deployment in your own cloud account, by engagement
- ✓Contracts, DPAs, and compliance documentation
Questions we get
What do I get for free?
Three models, emergency-fund, relocation, and side-business, over the same API, MCP server, and embed script as the paid catalog. Same rules, same testing, same response format. If the math holds up on those three, it holds up on the other 58. The household engine is free to run too, and a free sandbox key opens the rest for thirty days.
Can I pick a different three?
The keyless three are fixed — household liquidity, a life-decision break-even, business and self-employment — three different kinds of math, picked to show what the engine does. A sandbox key (free, by email, thirty days) opens every model in the catalog with a daily ceiling; Launch opens all of them with none.
Do I need an API key?
Not for the three sample models or the keyless household engine: call them and they answer. A free sandbox key (worthune.com/sandbox) opens the rest of the catalog and five stored households for thirty days; a paid plan's key opens everything, with no ceilings.
What counts as attribution?
Embeds handle it for you — just leave the badge alone. If you show API results to your own users, a visible “Powered by Worthune” with a link does it. Internal tools and evaluation need nothing. Paid plans drop the requirement entirely.
Is the household engine priced separately?
No, and running it is free. Post a household to /api/v1/project — or ask an assistant over MCP — for the projection and the Monte Carlo, and a whole book to /api/v1/book-scan for the coordinated strategies across it, with no key and no account, because nothing is stored. What a plan buys is the household as something we keep: an id, the REST surface around it, bulk import from your existing book, signed webhooks, drift detection when a plan goes stale, and the decision history kept per household. 250 active households are included on Launch, 2,500 on Growth.
If the engine is free, what am I paying for?
State, not arithmetic. The computation has no meter and never will: run a household, or a book of them, as often as you like without an account. A plan pays for the household becoming a durable resource — an id that persists, an API around it, bulk import, webhooks, drift detection, white-label household embeds, and a decision history kept per household. If your product only ever needs an answer, take the free path and keep your money.
What happens when I go past my included households?
Nothing breaks and nothing stops — the households keep working. Past the allowance, each additional active household is $1.50 a month on Launch and $0.90 on Growth, added to the following invoice as a line you can read. Above a few thousand households the per-household rate stops being the right instrument and we'd rather talk: that is what the committed-pricing conversation on Growth is for.
What counts as an active household?
One that was created or recomputed during the billing month. A household you loaded in March and didn't touch in April is dormant in April and costs nothing — you are charged for work the engine did, not for rows in a table. Model calls are never metered at any tier.
What happened to the $199 Pro plan?
It became Launch, at the new price, when the catalog and the plan for it outgrew the old number. Everyone who subscribed to Pro before the change keeps it: same price, same catalog access, for as long as the subscription stays active. Nothing about an existing key changed.
Are there rate limits?
A burst backstop of 120 requests a minute per IP, so a runaway script can't take the service down for everyone else; an hourly allowance on the stored-household API per organization (6,000 calls on Launch, 30,000 on Growth); and small hourly caps on the three operations that spend model tokens or rotate a credential. Model runs carry no per-key quota at all. A normal integration never gets near any of them.
Do you track my usage?
Daily counts per model and tool — no IPs, no user agents, no inputs. Public aggregates live at /api/v1/telemetry; calls made with a paid key are additionally counted per key (same daily-count granularity, nothing more) so your usage dashboard at /console can show you your own numbers.
Will these prices change?
They might, as the catalog grows. If you're on a plan and the price moves — the subscription or the per-household rate — you'll hear it from us before it reaches your invoice. That is a commitment about invoices, not a newsletter: no charge you haven't been told about in advance.
Do you support customers outside the United States?
Not yet. Worthune is built for United States households and is hosted in the United States. Its models apply US federal and state rules, and we do not currently support customers or client households outside the US. If you are outside the US, write to support@worthune.com before you buy.
Can we run Worthune in our own cloud?
Worthune is a hosted service run by Worthune in the United States. A private-cloud deployment in your own cloud account is available as a made-to-measure engagement. We do not offer on-premise installation. Ask on the contact page and we will scope it with you.
Talk to us