Simple pricing. No surprise bills
Start free and upgrade only when you need more. Annual plans save 17–36% versus monthly billing.
What does your current setup cost?
Check the tools you use. Prices are monthly equivalents of annual plans. See what you save.
$20.75/mo
$29.00/mo
$24.92/mo
$9.08/mo
$8.33/mo
$12.00/mo
$10.75/mo
$30.00/mo
Your current stack
$0.00/mo
Ignyq™ Wealth (replaces most of this)
$19.08/mo
You save
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See Plans Below ↓
30-day free trial — no account, no credit card required to start
Ignyq™ does not replace a budgeting app's live bank sync — it has budget and cash-flow tools and imports broker and bank files, but it has no live bank feed and does not auto-categorize transactions. AI is bring-your-own-key (the AI Financial Planner at Wealth, stock-market AI at Elite), so you pay your provider directly at cost. Competitor prices are annual-plan monthly equivalents, verified October 2026. Checking an Elite-level tool (backtesting) compares against Ignyq™ Elite instead of Wealth.
CHOOSE YOUR PLAN
Showing annual pricing (best value). Monthly and lifetime options available at checkout.
Ignyq is personal finance software for self-directed investors. It is not a financial adviser, does not provide investment advice, and does not execute trades. All analysis tools are for informational and educational purposes only.
Ignyq™
Buy once, or subscribe. Your choice.
Free Trial
$0for 30 days
No account · no credit card
Start Free Trial
- Full access to the app
- Elite-level analysis & planning for 30 days
- All analysis dashboards
- Valuation, momentum, technical, investor
- strategies, and portfolio (allocation,
- correlation, factor exposure, stress test)
- The full Wealth Planning suite
- Retirement, FIRE, tax, HSA, college, estate…
- AI features (bring your own key)
- AI Financial Planner + stock & market AI
- Unlimited watchlists, tickers & alerts
- HTML, CSV, PDF & Excel export
- Load Sample Data to explore with a demo family
Personal
$99
/yr
$8.25/mo · save 17%
Get Personal
- Core analysis (8 modules) & core tracking (11 tools)
- HTML & CSV export
- 10 watchlists, 50 tickers each
- 15 price alerts
- Portfolio analysis (performance, diversification, rebalancing)
- Tax Estimator, Cash Flow Planner, Savings Rate Tracker
- PDF report export
- Use on up to 2 personal computers
- Excel export (available from Wealth)
- Retirement & advanced financial planning (from Wealth)
- Momentum or advanced analysis
- AI features
★ MOST POPULAR
Wealth
$229
/yr
$19.08/mo · save 36%
Get Wealth
- Everything in Personal, plus:
- 25 watchlists, 100 tickers each, 30 price alerts
- Excel export — PDF from Personal
- Momentum analysis — 9 variants
- Breakout, Relative Strength, Volume, ATR,
- Time-Series, Vol-Adjusted, and more
- Guru Checklist + Guru Portfolio Tracker
- Social Sentiment engine
- GuruFocus data integration (BYOK)
- AI Financial Planner — wealth-management AI (BYOK)
- Debt optimizer, goal calculator, tax estimator, weekly planner
- Retirement & advanced planning
- Retirement, FIRE, Roth Conversion,
- Social Security, Portfolio Withdrawal, Debt Payoff
- Complete financial planning suite (25+ tools)
- Wealth Dashboard, Financial Health Score,
- Projections, Medicare, HSA, College Savings,
- Estate Planning, Long-Term Care, Home Equity,
- Tax Dashboard, Business Hub, Charitable Giving
- Use on up to 2 personal computers
- Advanced analysis (MPT, Monte Carlo, Kelly) — Elite
- General AI stock analysis / research / screener — Elite
- Unlimited watchlists — Elite
Elite
$399
/yr
$33.25/mo · save 33%
Get Elite
- Everything in Wealth, plus:
- Unlimited watchlists, tickers, and price alerts
- Whole-database screening (~12,000 tickers)
- Advanced analysis suite
- Portfolio Allocation (MPT)
- Correlation Matrix
- Monte Carlo Simulation
- Position Sizing (Kelly Criterion)
- Tax-Loss Harvesting
- Options Strategy
- Historical Backtesting — strategies vs real history
- AI stock analysis, research & chat (BYOK)
- AI risk assessment
- AI natural-language stock screener
- AI-generated valuation estimates (12-month horizon, for reference only — not investment advice)
- AI market commentary — trend summaries and risk flags
- AI-written narrative in PDF & Excel exports
- Priority support — expedited queue, 1-business-day response
- Beta features and pre-release access
- Use on up to 2 personal computers
AI-generated estimates are for informational and educational purposes only. Not investment advice.
• Annual plans save 17–36% compared to monthly billing
• Lifetime licenses are a one-time payment — no renewals, ever
• All paid plans include a 30-day money-back guarantee
• License keys are delivered by email within minutes of purchase
• You can upgrade or downgrade at any time — prorated automatically
Frequently asked questions
A one-time payment that gives you permanent access to that tier — no renewals, no expiry. Future updates within the same major version are included. You will always be able to download the latest build for the major version you purchased.
Ignyq™ integrates with Claude (Anthropic), ChatGPT (OpenAI), Gemini (Google), Perplexity, Grok (xAI), and Muse Spark (Meta) — six providers total. To use AI features, you add your own API key from one of those providers in the app Settings. Your keys are stored in your operating system's secure keychain, not in any config file. Your queries go directly from your machine to the AI provider — Ignyq™ never routes or logs them. API usage is billed by the provider at their standard rates, typically just a few cents per month for normal use.
Only for live portfolio data. Quotes, fundamentals, and news for the portfolio heatmap require periodic internet access. All 38+ wealth planning tools — budgeting, retirement, tax planning, estate, and more — run entirely offline, no connection required, ever. There is no Ignyq™ server; your financial data never leaves your machine.
All financial planning data is stored in a SQLCipher-encrypted database on your machine. The encryption key is managed by your operating system's keychain — you never see or enter it manually. There is no Ignyq™ server, no cloud backup, and no account required.
After purchasing, you will receive an email with a license key (format: IGNYQ-XXXXX-XXXXX-…). Open Ignyq™, go to Help → Manage License, and paste the key. Your tier upgrades instantly — no internet connection required for activation.
Yes. Your license key works on up to two (2) personal computers you own or control. Install on your main machine and a laptop, for example — no problem.
30-day money-back guarantee, no questions asked. Email support@ignyq.co with your order number.
Yes. Ignyq™ is at ignyq.co. We are working on acquiring the .com domain. This is the only official website.
Yes, and subscriptions are self-serve. Open the Customer Portal (Manage Subscription), switch to the higher tier — Stripe prorates the difference automatically — then in the app click Help → Manage License → Refresh License to apply your new tier instantly (a new key is also emailed). Downgrades work the same way. Lifetime license upgrades are available at the difference in price between tiers — email support@ignyq.co.
No. All core features — the portfolio heatmap, all 45+ analysis modules, the complete Wealth Planning suite, alerts, broker imports, and exports — work without any AI key. AI features are optional add-ons that use a “Bring Your Own Key” model: you supply an API key from Anthropic, OpenAI, Google, Perplexity, xAI, or Meta (Muse Spark), and Ignyq™ uses it directly. Keys are stored in your OS keychain and never in any config file.
Not currently. Ignyq™ is a desktop application for macOS, Windows, and Linux. A mobile companion app is on our roadmap. In the meantime, placing your
Documents/Ignyq/ folder inside iCloud Drive, Dropbox, or OneDrive keeps your watchlists and wealth planning data in sync across multiple desktop machines.
Yes. Ignyq™ supports CSV portfolio imports from Fidelity, Schwab, E*TRADE, Robinhood, and Interactive Brokers (IBKR). Export your positions from your broker’s website, then use File → Import Portfolio… in Ignyq™. Tickers are added to a new watchlist automatically, and cost-basis data (where available) populates the Investment Planner.
Yes. Most analysis modules include an Export button that generates a formatted PDF report, an Excel (.xlsx) spreadsheet, a standalone HTML file, or a CSV — depending on the module. PDF reports include Ignyq™ branding and are suitable for printing or sharing. All exports are saved to your
Documents/Ignyq/exports/ folder.
During your 30-day free trial you get full access — every analysis and planning tool at the Elite level while you decide. (Downloading the entire market database in bulk is reserved for paid Elite licenses.) When the 30 days are up, Ignyq™ asks for a license key. Once you're on a plan (Personal, Wealth, or Elite), any feature that belongs to a higher plan appears greyed out, and clicking it shows which plan unlocks it. Buying at ignyq.co/pricing and pasting the key in Help → Manage License… unlocks your plan instantly — your data is never touched.
Your financial data always stays on your own machine — that never changes. The one exception during a trial is a trial-integrity check: to keep the single 30-day trial fair, the app sends one salted, one-way fingerprint of this device when you're running a trial. It's a non-reversible hash — it can't be turned back into your hardware serial, your name, or anything about you — and it's never linked to your watchlists, holdings, or any financial data. Its only job is to stop the same device from restarting the free trial over and over. It runs only during a trial (never on a licensed or developer install), and you can turn it off entirely by setting the environment variable
IGNYQ_NO_TRIAL_SERVER_CHECK to 1. It's fully disclosed in our Privacy Policy and EULA (v1.3.0).
Your personal financial data — budgets, goals, retirement figures, income, debts — is stored in a SQLCipher-encrypted database using AES-256. The encryption key is derived from a password you set on first use and stored in your OS keychain (macOS Keychain / Windows Credential Manager / Linux Secret Service). Ignyq™ never transmits this data anywhere. If you forget your password, the data cannot be recovered by anyone — including us — so keeping a backup of your
Documents/Ignyq/ folder is strongly recommended.
Go to Help → Check for Updates… inside the app. If a newer version is available, a dialog shows the release notes and a Download Update button that opens your browser to the correct installer for your platform. Run the new installer — it replaces the app while leaving all your data, watchlists, and configuration untouched. No uninstall required.