Free to start. Plus when you want more.
The core of Hubvera is free, on purpose — stress-testing a financial decision shouldn't cost anything. Hubvera Plus adds the AI layer and power tools for every money decision you'll make this year.
Hubvera Free
$0 / forever
The full deterministic engine — Financial DNA, every path, the chaos slider, and Gap-to-Healthy. Up to 2 saved simulations.
Decision Pass
$29 one-time
Facing one big call? Get the full Plus toolkit for 30 days. Two passes cost about the same as a year of Plus — so if you'll be back, go Plus.
Hubvera Plus
$4.99 / month
$59.99 billed annually.
AI explanations, unlimited simulations, PDF export, scenario sharing, and early-access paths — for every money decision you'll make this year, not just today's.
What's included
| Feature | Free | Plus |
|---|---|---|
| Financial DNA profile | Yes | Yes |
| All published paths + chaos slider | Yes | Yes |
| Gap-to-Healthy guidance (the math) | Yes | Yes |
| AI explanations (why this color, gap, path-fit) | — | Yes |
| Saved simulations | Up to 2 | Unlimited |
| Decision-summary PDF export | — | Yes |
| Shareable read-only scenario links | — | Yes |
| Early access to new paths | — | Yes |
| Advisor directory + introductions | Yes | Yes |
The Decision Pass grants the full Plus column above for 30 days. Free always keeps the deterministic engine (node colors and the exact Gap-to-Healthy figures); the AI layer is what's reserved for paid.
Billing isn't live yet — during the beta, Plus and the Decision Pass activate instantly at no charge so you can try every feature. We'll give clear notice before any paid plan begins.