Compare Plans: Free vs Starter vs Pro
SB Advisors Academy offers three plans for The Vault: Free, Starter at $12 a month or $99 a year, and Pro at $24 a month or $199 a year. Every plan includes the free money personality quiz, all ten calculators, the full guide library, and a starting plan based on your quiz result. Starter adds 6 core coaches, and Pro unlocks all 12 coaches along with Trade Desk, Household access for up to 4 people, and 20 percent off 1:1 coaching. Quiz takers also get a 14 day Pro trial with no card required.
| Feature | Free | Starter | Pro |
|---|---|---|---|
| Price | $0 | $12/month or $99/year | $24/month or $199/year |
| Money personality quiz and starting plan | Included | Included | Included |
| All ten calculators and the guide library | Included | Included | Included |
| AI money coaches | 1 coach matched to your quiz result | 6 core coaches | All 12 coaches |
| AI messages a month | 10 | 300 | 1,500 |
| Command Center and Education Hub | Included | Included | Included |
| XP, streaks and badges | Included | Included | Included |
| Net worth, goals and bill reminders | Not included | Included | Included |
| Trade Desk | Not included | Not included | Included |
| Household (up to 4 people) | Not included | Not included | Included |
| Connect your coach to Claude | Not included | Not included | Included |
| Notion Financial OS and Discord access included | Not included | Not included | Included |
| 20% off 1:1 coaching | Not included | Not included | Included |
How The Vault Compares to Other Ways Beginners Learn Money
Free YouTube videos and Reddit threads are a genuinely good place to start, since they cost nothing and cover almost every money question, but the advice is not matched to your situation and often contradicts itself, which is hard to sort through as a beginner. Budgeting apps do one job better than The Vault does, which is automatic transaction tracking through a bank connection, so they suit people who mainly want to see where money went. A human financial coach or planner brings judgment that software cannot replace, especially for complex situations like business income or estate questions, though sessions cost more and happen less often. The Vault sits between these options, giving beginners plain language coaching matched to their money personality whenever they need it, at a monthly cost below a single coaching session, with 1:1 coaching available when a human perspective is the better fit.
Frequently Asked Questions
Is there a free plan?
Yes. The free plan includes the quiz, all ten calculators, the guide library, and 10 coach messages a month with the coach matched to your quiz result.
Do I need a credit card for the trial?
No. Quiz takers get a 14 day Pro trial with no card required.
How much do I save with an annual plan?
Starter annual is $99 instead of $144 billed monthly, saving $45 a year. Pro annual is $199 instead of $288 billed monthly, saving $89 a year.
Can I cancel anytime?
Yes. Every paid plan can be cancelled from your settings at any time.
What is the difference between Starter and Pro?
Starter includes 6 core coaches. Pro includes all 12 coaches, Trade Desk, Household access for up to 4 people, and 20 percent off 1:1 coaching.
For educational purposes only. Not financial advice.