Pricing
Buy it once. It’s yours to keep.
$129 one-time for Personal, $199 for Personal+Business. Add $39/yr maintenance if you want GlidePath to keep up with tax-law changes, bank/export changes, security fixes, Glide AI, phone access, support, and new features as they ship. First year included, cancel any time. Stop paying, and the version you have keeps working.
GlidePath Money Desktop
Personal
For households tracking their own finances.
+ $39/yr maintenance after year 1 (auto-renew, cancel any time) · 30-day money-back refund · install on 3 devices
First year of maintenance is included. It keeps you eligible for new releases, annual tax-table refreshes, bank/export parser fixes, security and compatibility updates, Glide AI, private phone access, and email support. After year one, the $39/yr maintenance auto-renews; you can cancel in one click from the in-app Manage subscription link or your Stripe receipt. We'll email you 7 days before each renewal so you have time to opt out. See refund & cancellation for details.
Retirement & tax planning
- Retirement Monte Carlo — 1,000 simulations, sequence-of-returns risk, adjustable assumptions
- Tax Valley + Roth conversion windows — estimate your low-tax conversion window and the bracket room each year
- Social Security claim-age scenarios — side-by-side at 62/67/70 with spousal & survivor math
- ACA bridge cost modeling — what early retirement actually costs in healthcare
Debt, cards & subscriptions
- 0% balance-transfer tracking — countdown, monthly clear pace, post-promo cliff, plus a cascading what-if simulator that shows the tax + retirement impact of each payoff decision. It's one of GlidePath's signature differences.
- Subscription rollover tracker — warn 30 days before the "$0 trial becomes $99/yr" auto-renew hits
- Loan amortization with balloon-payment warnings; multi-loan aggregates
Your money & net worth
- Holdings + asset allocation — positions, tax lots, per-symbol prices shared across accounts
- Net worth history, cash-flow tracking, multi-partner household
- Calendar of due dates — BT promos, subscriptions, loan payments, bills, tax deadlines on one filterable view
- Unlimited accounts, cards, loans, transactions
Getting your data in
- CSV / Excel import from Mint, Simplifi, Monarch, YNAB, Quicken · PDF statement capture for balance-transfer details
- Email inbox — forward your bank's alert emails; transactions parse and land on their own (Windows today; on the Linux roadmap)
- Browser extension — auto-capture from Chase, Amex, Citi · popup-flow for BoA
Access & clarity
- Explain Mode — toggle plain-English context next to the planning numbers
- Resources & plain-English guides — curated official IRS, SSA & Medicare references for each topic, plus our own “what it is / how to use it / what to look for” walk-throughs of the trickiest tax pages and a glossary for the scary terms. For anyone who finds the IRS intimidating.
- Find a fee-only fiduciary — when you want a human, a neutral directory of fee-only fiduciary advisors, the official tools to vet them, and a “questions to ask before you hire” checklist. No referral fees, no specific advisor pushed.
- Phone access from anywhere via your private subdomain + a 6-digit code we email you (Windows today; on the Linux roadmap)
- Household sign-in — add each person on the in-app Partners page and they can open their own phone view of just their accounts (plus anything shared)
- 3 device installs (phone/tablet viewing doesn't count against this)
Runs on Windows 10/11 and Linux · Mac early access. Secure checkout via Stripe. Sales tax added based on your billing address (US/Canada only). You'll get your license key + download link by email within a minute of purchase.
GlidePath Money Desktop
Personal + Business
Adds a small business or self-employment side.
+ $39/yr maintenance after year 1 (auto-renew, cancel any time) · 30-day money-back refund · install on 6 devices
First year of maintenance is included. It keeps you eligible for new releases, annual tax-table refreshes, bank/export parser fixes, security and compatibility updates, Glide AI, private phone access, and email support. After year one, the $39/yr maintenance auto-renews; cancel any time in one click. See refund & cancellation.
✓ Everything in Personal — all the planning, money & balance-transfer tools on the left
Plus the business toolkit:
- Invoice creator — branded PDF invoices with your own logo & color in about a minute, then record each paid one as income on your Schedule C in a click
- Schedule C P&L preview — auto-maps business transactions to IRS lines
- Asset depreciation tracker — Section 179, MACRS5, MACRS7
- Home office deduction — simplified method + an actual-expense estimate
- 1099 prep — payee totals + reporting-threshold detection
- Mileage log — trip record + import from MileIQ/Everlance/Stride/CSV
- Accountant pack ZIP — year-end bundle: P&L HTML + worksheets + CSVs + README. Email it to your CPA, they have everything in one folder.
- 6 device installs (covers the spouse + the work laptop + the home machine)
- Already paid for Personal? Add Business later for the $70 difference — open the License page in the app and click “Add the Business tier.” No re-buying the whole thing, same license key.
Runs on Windows 10/11 and Linux · Mac early access. Both tiers include the same retirement math + balance-transfer tooling. The delta is just /Business.
Try it risk-free. Every purchase has a 30-day money-back guarantee, no questions asked — install it, load your real numbers, and if it’s not for you, email us for a full refund.
Not sure yet? Totally fair — it’s a leap of faith. But your money should run on your terms, not the bank’s or some app you had to hand your login to. No rush, no expiring deal — we’ll be here whenever you’re ready.
Wondering how this stacks up against Monarch, Quicken, or YNAB? See the full comparison →
GlidePath Money is intended for users 18 years or older. The Software is a tool for educational and informational purposes — not financial, tax, investment, or legal advice. Tax rules change and vary by situation; every figure is an estimate based on the numbers you enter — verify with a qualified professional before filing or making decisions. See our Tax and Investment disclaimers. By purchasing, you agree to the Terms, EULA, Privacy Policy, and refund & cancellation policies.
✨ Included with every license
Glide — your in-app AI helper.
Click "Ask Glide" anywhere in the app. Get plain-English answers about retirement math, tax concepts, how to use a page, what a number means. Bundled in your annual maintenance — no extra subscription.
🔒 Doesn't see your accounts
Glide never receives your balances, transactions, or net worth. Just your typed question and the page you're on. Ask "what's a Roth conversion window?" → great answer. Ask "what's my balance?" → it'll tell you it can't see and point you to the right page.
💬 50 questions / month
Generous for the average user; resets the 1st of every month. Heavy users can paste their own Anthropic API key on the in-app License page — Glide then bills Anthropic directly (typically less than a dollar a month) and our cap doesn't apply.
🚫 No advice, ever
Glide explains concepts. It won't tell you "buy X" or "convert Y to Roth this year" — those calls need a real financial advisor or CPA. We're a planner, not a fiduciary. Glide knows it.
Built on Claude Haiku 4.5. Runs through our Worker so your license key stays out of the browser. Renewing your annual maintenance keeps Glide active; if you skip a renewal, Glide stops while the rest of the app keeps working.
5-year cost vs the subscription tools.
Subscription apps quote you the monthly. We quoted you the lifetime. Here's what you actually spend over 5 years if you stay current on each.
| Tool | Annual | 5-year cost | What you have if you stop paying |
|---|---|---|---|
| Monarch Core | $99.99/yr | $500 | Read-only access to your data, then nothing |
| YNAB | $109/yr | $545 | No access; export-only window |
| Copilot Money | $95/yr | $475 | No access |
| Quicken Classic Deluxe | ~$60/yr | $300 | Read-only desktop app |
| Simplifi by Quicken | $84/yr | $420 | No access |
| GlidePath Money (renew yearly) | $129 once + $39/yr × 4 | $285 | The full app, frozen at year-5 version, with all your data |
| GlidePath Money (never renew) | $129 once | $129 | The full app, frozen at year-1 version, with all your data |
Pricing surveyed May 2026 (Quicken Classic re-checked June 2026 at its regular annual rate; first-year promotions often run lower). Subscription tools were chosen at their lowest single-user tier. Our 5-year totals assume you let the auto-renew continue every year. Cancel any year and your total drops to whatever you've paid so far — the app stays yours to keep.
Why keep maintenance active after year one.
The app stays yours either way. Maintenance is for the parts of personal finance software that keep changing around you.
Tax rules keep moving
New IRS brackets, Social Security wage bases, IRMAA thresholds, ACA cliff math, Section 179 caps, and Schedule C details are folded into current builds.
Banks change exports
CSV formats, PDF statements, browser flows, and extension capture rules drift. Maintenance keeps parsers and import helpers current as those formats change.
Security and compatibility fixes
You keep getting dependency fixes, installer/update improvements, and compatibility work as Windows, browsers, and libraries evolve.
New features during your window
When we improve the daily loop, trust checks, import review, reporting, or planning surfaces, active maintenance gets those releases without re-buying the app.
Glide AI and phone access
Online extras that cost us money to operate stay active while maintenance is current: Glide AI, the private phone-access bridge, and related cloud helpers.
Real support when you need it
If an import gets weird, a release confuses antivirus, or you need help understanding where something lives, maintenance keeps email support available.
Skip a year and your install keeps running with the tax rules, parsers, and features it had on the day you stopped paying. Your financial files stay yours either way.
Want to talk before you buy?
Happy to answer questions over email before you decide. Tell us what you’re currently using and where it’s falling short — we’ll tell you honestly whether GlidePath is a better fit or not.
FAQ
What happens if I cancel the maintenance renewal?
Your install keeps working — it’s yours to keep. You just stop receiving new app releases, updated tax rules, parser fixes, security and compatibility updates, and new features. Online extras included with maintenance, like Glide AI and the phone-access bridge, pause, and email support pauses too. The version you had on your last paid day is yours to keep. Your data is plain files on your disk; nothing locks. We don't believe in subscriptions that brick the app you bought.
How to cancel: click "Manage subscription" inside the app, or follow the link in any Stripe receipt or renewal-reminder email. One click; takes ~5 seconds. We send a reminder 7 days before each annual charge so you always have time to opt out if you want to.
What's the 30-day refund?
Buy GlidePath Money, install it, decide within 30 days you don't want it → email us for a full refund. The refund is processed through Stripe, which handles our checkout. We'll deactivate the license on our side; since the app re-checks its license about once a week, within about a week it stops opening — but the data files you've created are yours to keep on your disk. We never delete your data.
Why one-time pricing instead of subscription?
Local-first applies to commerce too. You own your data; you should own your tool. Sublime Text, Beyond Compare, and Affinity all do the same — pay once, yours to keep, optional updates. We think that's how software for your own finances should work. Subscription apps that brick when you stop paying are holding your history hostage; we won't do that.
How many devices can I install on?
Personal: 3 device installs. Personal+Business: 6 device installs. Each install is a full copy of the app on a separate computer. Phone/tablet access via your private subdomain doesn't count — only native installs do. If you need to move to a new computer, you can deactivate an old install from inside the app to free a slot.
Does my PC have to be on for phone access?
Yes. The phone reaches your PC via a secure tunnel — when the PC is off, the URL stops working. Most users leave their PC on or wake it remotely. A future Cloud tier (no PC required, zero-knowledge encrypted) is on the roadmap but not committed.
Do you have access to my data?
Your core financial file stays on your computer by default. Your accounts, balances,
and transactions are stored as plain files in
%LocalAppData%/GlidePath Money/ on your PC; we don’t upload or host
them. The only thing we host on your behalf is the sign-in gate at your subdomain.
Optional cloud features — license activation, AI, the forwarded email inbox, phone
access, and market-symbol lookup — are described on the
Privacy and Trust pages.
Why not connect to my bank like Mint did?
Two reasons. First: your bank credentials shouldn't be sitting in a third-party vault waiting for a breach. Second: Plaid-style bank-sync services break constantly when banks change their UIs, leaving you with stale data. We give you three non-Plaid intake paths instead: drop a CSV in a folder, forward bank alert emails to your private inbox address, or use the browser extension to auto-capture downloads from your bank's site.
Will the price go up later?
Maybe. The $129 / $199 starting prices are what we believe the app is honestly worth in 2026. If GlidePath grows into a larger major version later, new-customer pricing may change. Your existing license won't change. The version you bought is yours to keep. Active maintenance keeps you current on eligible updates; if we ever introduce a paid major-version upgrade for lapsed customers, we'll publish the price and terms clearly before anyone is asked to pay.