Pricing
We profit when you’re ready. Not when you transact.
Free
Start with the truth. No card required.
- Shadow Score — a 90-second read on where you stand
- One full assessment across all three pillars
- Basic finance tools
Plus
For anyone actively building toward readiness.
- Unlimited assessments
- Full readiness report across all pillars
- A transformation plan built around your gaps
- Private journal to track the moment before
Pro
Everything in Plus, with a companion who talks back.
- Everything in Plus
- Decision Companion conversations
- Couples mode for shared decisions
- Behavioral genome across your decision history
- Priority signal alerts as your readiness shifts
Family
Everything in Pro, for the whole household.
- Everything in Pro for up to 5 household members
- Shared dashboards across the family
- One account, one honest picture for everyone in it
We have zero commissions. Zero referral fees. Zero incentive to push you either way.
Questions
Why do you charge at all if you're not selling a transaction?
Someone has to pay for an honest voice to exist. We chose subscriptions over commissions on purpose — we profit when you're ready, not when you transact. That's the whole point of zero conflict of interest.
What happens if HōMI tells me NOT YET?
You still keep your report, your plan, and access to the tools. NOT YET comes with a map for what to build first — it's not a wall, it's a starting line.
Can I cancel anytime?
Yes. There's no lock-in and no retention maze. Cancel from your account settings whenever you want; you keep access through the end of the billing period.
Do you sell my financial data?
No. Never. See our privacy policy for the full detail, but the short version is: your data is yours, and it isn't for sale.
Is the Decision Companion financial advice?
No. HōMI provides educational guidance only. The Companion helps you see your own situation clearly — it doesn't recommend products, and it isn't a substitute for a licensed advisor.