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Pricing
Start free — fully functional, no card. Upgrade when you want voice and automatic bank sync.
Free
$0
Chat and voice to explore Mali — fully functional, no card required.
- Talk or type to Mali
- Link your bank, see net worth + spending
- Run the financial tools on your real numbers
- Upload receipts & statements
Get started free
Most popular
Voice Pro
$4.99/mo
More voice minutes and automatic bank sync.
- Everything in Free
- Extended voice conversations
- Automatic bank transaction sync
- Invite your partner (shared household)
Start Voice Pro
Premium
$29.99/mo
Everything, on Mali's smartest model.
- Everything in Voice Pro
- Mali's most capable AI model
- Highest usage limits
- Priority access to new tools
Go Premium
Why we cost less than the retirement planners. Tools like Boldin charge ~$144/year and gate the good stuff — tax projections, Roth conversions, scenario comparisons — behind the paywall, then ask you to type your whole financial life into a 250-field wizard. Mali links your bank, does the same caliber of math, and lets you just ask. Voice Pro is $4.99/mo.
What you're actually paying for
Mali runs a library of tested, deterministic financial calculators — Roth conversions, Social Security timing, Monte Carlo retirement odds, tax-aware withdrawals, and dozens more. The AI explains the results in plain language; it never invents the numbers — a real engine computes them. See them all on the features page and tools hub.
No products to sell. No commissions. No data sale. Mali makes money one way — a simple subscription. We don't sell investments, we're not paid to recommend anything, and we don't sell your data. Your incentives and ours point the same direction.
Common questions
Is the free tier crippled?
No. Free is a real, fully-functional trial — link your bank, run the tools, talk to Mali. Voice Pro adds more voice time and automatic sync; it doesn't unlock basic usefulness.
Can I cancel anytime?
Yes — manage or cancel your subscription anytime from Settings. Billing is handled securely by Stripe.
Do you give financial advice?
Mali is an information and education tool, not a licensed financial advisor. It shows you the math and explains your options; decisions are yours. See our Terms.
Try Mali free