$29/mo vs $14.99/mo for Monarch Core — the difference pays for itself with one idle-cash find. IOMI Personal includes the CES, Simulator and Next Dollar Allocation that no tracker at any price offers.
Start free trial
Start free trial
From $29/mo — a single idle-cash find pays for years of it: $180k sitting idle costs about $10,800 a year at a 6% yield gap, and IOMI Personal is $348 a year. Run your own number with the calculator on the homepage.
30-day money-back guarantee — if IOMI doesn't earn its place in your first paid month, email us and we refund you. No questions asked.
Side by side
| What you get | Personal · $29/mo | Business · $39/mo |
|---|---|---|
| Personal accounts & all personal asset classes | ✓ | ✓ |
| Net worth dashboard, cash flow & forecast, goals | ✓ | ✓ |
| Capital Efficiency Score, Next Dollar Allocation, Simulator | ✓ | ✓ |
| IOMI AI chat | 100 messages/day | 200/day · priority |
| Business accounts (unlimited) | — | ✓ |
| Business tab — assets & liabilities per entity (up to 3) | — | ✓ |
| QuickBooks balance sync | — | ✓ |
| Priority support & early access to new features | — | ✓ |
Secure payments by Stripe · Read-only data access via Plaid · Cancel anytime — delete your data and walk away, no retention games.
Why a subscription, not a percentage
Wealth tools that charge a share of your assets charge you for growing. IOMI is a flat subscription: the price is the same whether your net worth is $200k or $20M, and there are no commissions, no product pushing, no hidden monetization. IOMI never custodies assets or executes trades — it is read-only by design.
Common questions
Is there a free trial? Yes — one month, full access, no credit card required, on both plans.
Can I switch plans? Yes, anytime from Settings → Subscription. The Business founding rate stays locked while you remain subscribed.
What happens if I cancel? You can delete your data and walk away anytime. No lock-in.
Does IOMI work on my phone? Yes — it is a web app that works on any device with a browser, no app install required.