Lock your rate.
Keep it for life.

Your founding rate is permanent. When we raise prices at full launch, your rate stays exactly where it is. Forever. There's no fine print — it's how we reward the people who believed in us before there was social proof to rely on.

Nothing today. Joining the waitlist reserves your seat at your chosen founding rate. You only get charged when we send you access and you activate your account.

Two Sovereign accounts would cost $19.98/month and you'd never see each other's financial picture. Commander at $12.99 (or $19.99 at full price) gives you one shared 90-day trajectory, combined income and bill projections, Privacy Shield so you can each keep private items private, and PivotPal suggestions that account for both streams. You get more for less — and you finally see the real picture together.

When seats fill or 90 days after public launch — whichever comes first. We'll email everyone on the waitlist when seats are getting low so you have time to confirm.

Only if you want it to. Free and manual-entry work great for getting your first Safe-to-Spend number with no connection required. Plaid bank linking (read-only, it can't move money) is available on Sovereign and above, but it's always your choice. PivotPay is built on the principle that you control every connection.