Compare WhatIfInvested Premium pricing for Monthly and Annual access. Premium unlocks the full active Premium toolkit: advanced DCA simulation, compound growth planning, scenario review, richer assumptions and export-ready research.
Both plans unlock the same Premium access. Monthly is best for flexibility. Annual is best if you expect to use WhatIfInvested Premium throughout the year for ongoing simulations, compound planning and scenario reviews.
Flexible access for users who want to test Premium before committing longer term.
Better value for investors who want a repeatable research workflow across the year.
Start free when you need a quick answer. Upgrade when you need better comparisons, more realistic assumptions and cleaner scenario review. This WhatIfInvested Premium pricing page helps you decide whether Monthly or Annual access fits your workflow.
| Capability | Free tools | Premium access |
|---|---|---|
| DCA projection | Included for simple scenarios | Included with deeper assumptions |
| Compound interest projection | Included for simple future values | Advanced planner with inflation, fees and schedules |
| Historical simulator | Free backtesting workflow | Connected to deeper Premium research path |
| Multiple custom portfolios | Limited | Up to four portfolios where supported |
| Custom asset weights | Limited | Included |
| Fees, rebalancing and tax drag | Limited | Included where relevant by tool |
| Saved scenarios | Limited | Included where supported |
| CSV/PDF exports | Limited | Included where supported |
The strongest Premium use case is not one forecast. It is comparing several reasonable scenarios and seeing which assumption changes the outcome most.
Use Premium DCA when you want to compare DCA, lump sum, portfolios and benchmarks with more control.
Use Premium Compound when you need contribution schedules, inflation, fees and year-by-year planning.
Use WhatIfBudget to find investable cash flow, then model that surplus in DCA or compound tools.
Use exports and saved scenarios to revisit the plan later instead of rebuilding the same analysis from memory.
The path is simple: choose Monthly or Annual, create your account, then open the protected Premium workspace while your trial or subscription is active.
Monthly and Annual unlock the same Premium tools. Annual is the better value if you will use Premium regularly.
Use the 7-day trial to test the Premium workflow before the paid plan continues.
Your subscription is attached to your WhatIfInvested account after registration and payment setup.
Open the Premium tools dashboard and choose the active tool that matches your next decision.
These pages connect the pricing page to the full WhatIfInvested workflow: simulate, compare, understand and build.
| Page | Best use | Next action |
|---|---|---|
| Premium DCA Calculator | Review advanced historical and portfolio comparison features before subscribing. | Compare portfolios, fees and DCA vs lump sum scenarios. |
| Premium Compound Growth Planner | Model advanced contribution schedules, inflation, fees, tax drag and saved scenarios. | Included after checkout as part of Premium access. |
| Premium Tools Dashboard | Open the full member workspace after subscribing. | Choose the Premium tool that matches the decision after logging in. |
| Investment Simulator | Backtest historical investing scenarios for free. | Run a quick scenario before upgrading. |
| DCA Calculator | Estimate recurring investment growth with simple assumptions. | Upgrade when you need deeper portfolio comparison. |
| Compound Interest Calculator | Project future value and compounding with a clean free workflow. | Upgrade when you need schedules, fees, inflation and saved scenarios. |
| WhatIfBudget | Find monthly investable surplus before modeling investments. | Move the surplus into DCA or compound planning. |
| Methodology | Understand assumptions, limits and educational purpose. | Review how to interpret outputs responsibly. |
Premium is an educational research tool. It helps compare assumptions clearly, but it does not provide personalized financial advice, predict future returns or remove investment risk.
Use the 7-day trial to check whether the advanced workflow fits the way you research investment decisions.
Monthly and Annual unlock the same Premium access. Annual is simply the lower effective monthly cost.
Premium is most useful when you compare assumptions, not when you treat one projection as a prediction. For general investor education, review Investor.gov investing basics.
Clear answers before starting a Premium plan.
Yes. WhatIfInvested Premium includes a 7-day free trial so you can test the active Premium tools and planning workflow before the paid plan continues.
Premium Monthly is listed at $6.99 per month. Premium Annual is listed at $59.99 per year.
Yes. Both plans unlock the same Premium access. Annual offers a lower effective monthly cost.
Yes. Premium access includes the Premium Compound Growth Planner as part of the advanced planning workflow.
Yes. You can cancel from your account. Access depends on active trial or subscription status.
Yes. The free DCA calculator, compound interest calculator, WhatIfBudget planner and investment simulator remain available.
No. Premium is an educational planning and research tool. It does not provide personal financial advice or guarantee investment results.
After checkout, log into your account and open the protected Premium tools dashboard or the individual Premium tool pages.
Choose Monthly for flexibility or Annual for better value. Start with the free trial, test your assumptions and decide whether Premium helps you compare, plan and review investment scenarios with more confidence.