Every module. Every entity.
One price.
No tiers, no feature matrix, no per-account fees. The entire dashboard — organized by entity, cited to its source, with AURA reading all of it.
Billed monthly · switch to annual any time
Founding price locked for as long as you stay subscribed
No charge for 7 days · Cancel anytime · Read-only — Formation never moves money
The shipped Balance Sheet, captured live from the demo’s sample household.
One plan. Everything in it.
Every member gets the entire dashboard. The only decision is monthly or annual.
One place for all of it
Every account, balance, and document — in one cited picture.
Balance Sheet — net worth, treemap, 5-yr history, liquidity
Cashflow — transactions, categories, recurring, budgets
Unlimited linked accounts (via Plaid) + real-estate values
Statement / K-1 ingestion + reconciliation
Built for real complexity
The structural work other tools charge a top tier for.
Multi-entity model — trust · LLC · S-Corp
Investments — allocation, asset-location, cross-custodian TLH
Tax — brackets, contributions, K-1, year-end wizard
Equity comp — RSU/ISO/ESPP, AMT planner, scenarios
Estate · insurance · education (529) planning
AURA reads all of it
Formation's proprietary AI, grounded in your real financial graph.
Unlimited AURA — voice + text, persistent memory, honest citations
Net-worth projection — Monte Carlo + downside scenarios
Auto quarterly review PDF, citation-styled(coming soon)
Shared on your terms
Household and professionals, each with their own sign-in.
Unlimited household members + per-account AURA privacy
Connect your CPA / advisor — collaboration seats(coming soon)
The entity model — every account assigned to its legal owner (trust, LLC, joint) — is standard here, not a premium add-on. See the entity model
What a picture like this usually costs
Formation isn't cheap because it does less. It's affordable because AURA does the work an analyst used to.
Consumer budgeting apps
Categorize spending across personal accounts. No legal-entity model, no cross-custodian reconciliation, no trace from a number back to its source.
Less — because they do less
Flat net-worth trackers
Aggregate balances well. The ones that do map trusts and LLCs tend to gate the entity model behind a top tier.
Into the thousands per year
Family-office platforms
That class of depth, delivered as a service relationship — typically to households north of $25M.
$50K+ per year, per relationship
Formation
The entity model, cross-custodian reconciliation, equity comp, multi-state tax and a citation on every number — in the one plan, with no tier above it to upgrade into.
$199/year
Founding price · $349 list
See your picture before you pay for it
Your trial starts the moment you're set up — no card. Connect accounts, see the whole view, and the card only comes up on day 7, if you want to keep it.
- 1
Create your account & secure it
Email or Apple/Google, verify your email, and set up two-factor — required on every account. A couple of minutes, and you're protected from day one.
- 2
Your 7-day trial starts — no card
The moment you're set up, full access to the entire dashboard begins automatically. No card, no separate click, nothing to enter.
- 3
Add a card only if you want to keep it
Connect your accounts and see your whole picture, organized by entity, for the full week. On day 7, add a card to continue — or do nothing and the trial simply ends, no charge.
Built on infrastructure you already trust
Plaid · Stripe · Supabase · Anthropic
Accounts link read-only through Plaid — Formation never holds your credentials and can’t move money. Payments run entirely on Stripe; your card never touches our servers. Every account is protected by two-factor authentication. Read the security overview
Frequently asked
See your whole picture by tonight.
Founding pricing — $199/yr or $17.99/mo, locked for as long as you stay. 7-day free trial — nothing charged for 7 days.