Simple, Transparent Pricing

Pay for what you need. Nothing more

Retirement planning shouldn’t come with hidden fees, long-term lock-ins, or pressure to upgrade before you’re ready. Pinch & Prosper keeps pricing straightforward. You can start for free, explore the platform at your own pace, and add features only when they’re genuinely useful to you

You pay

$49 /year

Country:
$ 0 /year

Free

  • 1 Trial Single Region Plan (expires in 30 days)
+ $49 /year

Base Membership

  • 3 Separate Plans
  • Long Term Plan Storage
  • Share Plan with Friends, Family, and Financial Advisors with either Read-Only or Edit access
  • Track expenses for your family members and Pets
  • Deep Dive Projection and Comparisons with free access to newly released analysis
  • Market Volatility
  • Economic Volatility
  • Consumption and Spending Models
  • And more
+ $9 /year

Multi-Region

Dreaming or Planning to Retire Abroad? Maybe you are…

  • Seeking a quiet life on a tropical beach
  • Seeking more affordable health care or Assisted Living
  • Starting fresh and seeking companionship
  • Going back to your roots

Whatever your motivation, many expats find they can stretch their retirement savings further by moving. This feature allows you Plan across borders *

Challenge your assumptions to see if your money supports life abroad

Frequently Asked Questions

What types of Assets, Liabilities, Income Sources, and Goals can we capture?

The selection varies based on the home country for each plan. For Multi-Region plans; also called ‘Expat’ plans for those planning live abroad; you can use a mix of record types from each country

Assets range from generic to country-specific banking, retirements, savings, and investment accounts

For example… In the Philippines, you may wish to capture your accounts for PAG-IBIG MP2, GSIS Pension, SSS Pension, Personal Equity and Retirement Account (PERA), SSS Flexi-Fund (for OFW Workers), etc.

Liabilities range from common expenses like groceries and utilities, but also include more specific concerns like insurance, homeowner fees, and more

For example… In the Philippines, you might capture payments for PhilHealth insurance, membership fees for S&R or Landers, along with more typical things like spending at the Groseri, Wet Market (palengke/Talipapa), Tindahan, Merkado, etc.

Income Sources range from Job income and pensions to side-hustles

For example… In the Philippines, you could account for income from Social Security System (SSS) Pension, Government Service Insurance System (GSIS) Pension, income from your private pension, etc.

Goals range from holiday savings, travel expenses, and opportunities to prepare for surprise expenses

Do I need a professional Financial Advisor?

The legal and practical definition of a ‘Financial Advisor’ varies widely from country to country so make sure you have a clear view of the term as you navigate the topic. Depending on the complexity of your situation; if you feel like you cannot handle your own Plans; you might want to find Professional assistance. Regardless, you’ll still need to gather your details and become informed on key topics and concerns so you can ensure your Plans are handled reasonably. We can help you get started and then you can Invite a Professional advisor into your Plan

How many of my details are required?

The more you put into your plan the more realistic the results will be. We encourage members to take the time to add as many of the incoming and outgoing financial and benefit concerns as they have (or can predict). With that said… We do not need any personal details about your identity and there is no need to supply information on your personal financial accounts, keep those details safe

What if I live or plan to retire in more than one country?

Whether you are an Expat living abroad full time or someone living abroad for select seasons, Pinch & Prosper supports multi-region and multi-currency planning, so your plan reflects how you actually live