Pricing
Simple, honest pricing.
Start free. Upgrade when you're ready to go deeper.
Launch Offer — 15% off
Use coupon LAUNCH15 at checkout for 15% off any paid plan.
Start tracking for free. No credit card required.
- Track up to 5 debts & 5 subscriptions
- AI Financial Advisor — 3 messages/day
- Financial Health Score
- Debt-free timeline & simulator
- Net worth tracker
- Revenue & subscription tracking
- Milestones & badges
billed monthly
The full toolkit for serious debt elimination.
- Unlimited debts & subscriptions
- AI Advisor — 30 messages/day
- Enhanced AI quality
- Subscription renewal reminders
- Monthly payment reports
- All milestones & badges
- Priority support
billed monthly
Maximum AI power for serious debt crushers.
- Everything in Momentum
- Unlimited AI advisor messages
- Premium AI model — best quality
- Full financial audit reports
- PDF & CSV statement parsing
- Custom debt strategies
- AI chat history — 30 days
Frequently Asked Questions
What can I do on the free Insight plan?
Track up to 5 debts and 5 subscriptions, use the AI advisor (3 messages/day), view your Financial Health Score, debt-free timeline, net worth tracker, and milestones. Upgrade to Momentum for unlimited tracking.
Is my financial data secure?
All data is encrypted in transit and at rest. We never connect to your bank — you enter numbers manually.
What counts as an AI message?
Each message you send to the AI advisor. Momentum gets 30 per day. Velocity is unlimited.
Can I cancel anytime?
Yes: cancel from your account dashboard or email us. You keep access until the end of your billing period.
Do you offer refunds?
All payments are final and non-refundable. We do not offer full or partial refunds except where required by applicable law.
Do I need to connect my bank?
Never. DebtMirror is fully manual: you enter numbers, we do the math. Privacy first.
What's the difference between Momentum and Velocity?
Momentum gives fast cloud support with 30 messages/day plus advanced strategy tools. Velocity unlocks unlimited support and full audit reports.
How much do I save going yearly?
Momentum: $4/mo billed yearly vs $5/mo monthly (save $12/yr). Velocity: $10/mo billed yearly vs $12/mo monthly (save $24/yr).
Start free — track up to 5 debts and get your Financial Health Score in minutes.
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