Free
Core routing
For testing your first paycheck route and protecting the basics.
$0 CAD
- 5 AI insights per hour
- 3 vaults included
- 1 recurring bill included
- Safe-to-spend and core routing
- Demo mode and account sync
Start routing free.
Upgrade when Umbra becomes daily infrastructure.
Free gives every user the core paycheck-routing loop. Pro unlocks the deeper operating system: unlimited vaults, unlimited bills, and a bigger AI strategy layer.
Founding Setup is the fastest path to value: pay once, build your paycheck system with Umbra, and leave with vaults, bills, goals, safe-to-spend rules, and a printable plan report.
Pro
Umbra Pay Pro
For people who want the full financial operating system around every paycheck.
$9 CAD / month
- Unlimited AI insights
- Unlimited vaults
- Unlimited recurring bills
- Priority support badge
- Tax-aware insights Coming soon
Founding offer
Paycheck OS Setup
For users who want their paycheck system built with them, not after an hour of manual setup.
$249 CAD one-time
- Guided setup session
- Configured vaults, bills, goals, and safe-to-spend rules
- Personal Umbra Plan Report for family, lenders, coaches, or partners
- Pro recommended for ongoing optimization
- Limited founding launch capacity
Pro is not a paywall around discipline.
Umbra Pay keeps core routing free because the product has to prove trust first. Pro is for heavier money systems: more vaults, more bills, more AI strategy, and long-term optimization.