What Dollar Odyssey costs
The free tier tracks holdings and net worth with no time limit, which is more than most competitors give away. The paid tier buys projection and deeper reporting, and is worth it only once you have enough assets for a projection to mean something.
The two tiers
- Free
- Holdings, net worth, asset breakdown. No time limit.
- Paid
- From $10 a month, or $100 a year
- Paid adds
- Monte Carlo projection, survival-rate analysis, deeper reporting
- Billing
- Stripe, cancellable in-product
Where it sits in the market
Mid-market. Cheaper than Kubera, which has no free tier at all. More expensive than a budgeting app, which is not really the comparison. Roughly level with the other multi-asset trackers once you account for what each gives away free.
The annual plan is the meaningful discount, at the usual cost of committing before you know whether you will still be using it in month four.
When paying is worth it
The paid features are all forecasting. A forecast is only useful when there is enough on the balance sheet for the answer to be non-obvious, and when the horizon is long enough that compounding matters.
A reasonable test: if you cannot already guess your own ten-year number to within twenty per cent, the projection is telling you something. If you can, you are paying for a nicer chart.
Cheaper ways to get part of it
The free tier plus a spreadsheet for projection covers most of the gap at no cost, at the price of maintaining the spreadsheet. Portfolio Visualizer models allocations free and does not connect to your accounts. Neither is as convenient, and both are legitimate answers if the subscription is the sticking point.
Questions people ask
- Is there a free trial?
- There is a free tier rather than a trial, which is the better arrangement — it does not expire, so you can decide in your own time.
- Is the annual plan worth it?
- It is the cheaper option if you stay. Given that most people abandon a tracker within three months, paying monthly until you have used it for a quarter is the lower-risk order.
- Does the price rise after the first year?
- Verify this against the current pricing page before subscribing. Introductory pricing that steps up is common in this category and is the detail most worth checking yourself.