Fruitful — Pricing

Pricing

Try it free for 14 days.

Money is complicated. Starting shouldn't be.
Your first 14 days are free - no pressure.

Essential

$48/month

$45/month

$40/month

$48 billed every month

$135 billed every 3 months

$480 billed every year

Free 14-day trial

Your own dedicated Fruitful Guide

Three 1-on-1 sessions up front to get you on track to hit your goals with confidence

A built-for-you money system that automates your finances and simplifies your life

Annual check-in session to stay on track

Anytime messaging

4.00% Annual Percentage Yield¹ on all of your cash

Professional investment management

Start for free

Plus

$148/month

$138/month

$125/month

$148 billed every month

$415 billed every 3 months

$1,498 billed every year

Everything in Essential

Ongoing 1-on-1 sessions
as you need them

Looking for more dedicated Guidance?

With a Plus membership, you can continue to book on-demand, 1-on-1 sessions after your first three sessions –ideal for life changes, new questions, and regular progress check-ins.

Start for free

© Fruitful 2025 — All rights reserved. “Fruitful” refers to Fruitful, Inc. and its wholly-owned, affiliated, and separately managed subsidiaries, Fruitful Financial, LLC and Fruitful Advisory, LLC, an SEC-registered investment adviser. To learn more about Fruitful Advisory, LLC please view its Form ADV Part 2 and Form CRS available at www.adviserinfo.sec.gov. Registration with the SEC does not imply any level of skill or training. This information is provided by Fruitful for educational and illustrative purposes only and is not considered an offer, solicitation of an offer, advice, or recommendation to buy, sell, or hold any security. All investing involves risk, including the risk of losing the money you invest and past performance does not guarantee future performance. Only members of Fruitful have access to products and services across the Fruitful affiliates and subsidiaries.

Investment products and services provided by Fruitful Advisory, LLC are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE.

Fruitful is a financial technology company, not a bank. Deposit accounts provided by Emigrant Bank, Member FDIC. The Fruitful Card is issued by Emigrant Bank pursuant to license by Mastercard International Incorporated.

Funds in your Fruitful deposit account(s) are held at Emigrant Bank, Member FDIC and are eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. Fruitful Financial, LLC is not an FDIC-insured bank and FDIC insurance only covers the failure of Emigrant Bank. Fruitful Financial, LLC, must satisfy certain conditions for pass-through deposit insurance coverage to apply.

¹ The Annual Percentage Yield ("APY") is accurate as of January 28th, 2025. The interest rate and corresponding APY is variable and set at our discretion. Interest is compounded daily and paid monthly. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.

²To be eligible for 2% cash back, Members must receive qualifying direct deposit to your Fruitful Cash Account. See full Fruitful Card Reward Program Terms & Conditions.

³Cost of traditional advisory firms sourced from The Kitces Report, Volume 2, 2024, Page 121. Pricing Levels.