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Lodestar Wealth

Claimed

Financial health score and action plan with dollar impact

From $14.99/mo (free plan available)
FreemiumPersonal FinanceFinanceAnalytics
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Tracked since2026

The Bottom Line

Best for
People with debt, savings, and investments who want a specific next move, not another spending chart
Price
From $14.99/mo (free plan available). Compare plans

Key facts

  • Free account includes one full analysis and one portfolio review, no card required
  • Plus offers paid tiers, with a trial period (card required)
  • Every dollar figure comes from a deterministic calc engine, the AI parses and phrases, it never computes numbers

Not for

Anyone outside the US (tax rules and benchmark data are US-specific), or anyone wanting crypto tracked (out of scope for now)

What is Lodestar Wealth?

Lodestar Wealth reads your bank, card, and brokerage statements and returns a financial health score plus a ranked action plan, every move carrying its own dollar impact. Simulate decisions against a live net-worth forecast. A deterministic engine owns every number, the AI never does math.

Available on: Web

how we evaluateSourcelodestarwealth.io ↗

Preview

Key Features

  • Prioritized action plan with the dollar impact of every move
  • Net-worth simulator with Monte Carlo forecasting (500 simulated paths)
  • Portfolio review scored out of 100 on concentration, diversification, and cash drag
  • Free standalone calculators (net worth, debt payoff, retirement, rent vs. buy), no signup

Pricing Plans

Free Trial

Pricing checked Sep 28, 2026

Lodestar Wealth plans and prices, checked September 2026
PlanPriceDetails
Plus

$14.99/month

Unlimited analyses, full plan, live bank sync

  • Unlimited analyses and portfolio reviews
  • Full ranked action plan, every move modeled, not just the top 3
  • Live bank sync via Plaid (optional)
+3 more
  • Net-worth simulator with Monte Carlo forecasting
  • Unlimited AI chat about your own analysis
  • 7-day free trial (card required)
Free

$0

One full analysis, no card required

  • One full financial analysis + one portfolio review, lifetime
  • Health score, every finding, top 3 ranked moves with dollar impact
  • 3 Personalized Opportunities
+1 more
  • All calculators (net worth, debt payoff, retirement, rent vs. buy), unlimited, no account needed
Calculate your costView full pricing

Is Lodestar Wealth worth the price?

Good value

The Plus tier at $14.99/month is fairly priced for unlimited AI-driven financial analyses and portfolio reviews, especially compared to other premium personal finance apps that charge similar or higher rates for less depth.

The free tier offers a generous one-time full analysis with no card required, making it a low-risk entry point. This pricing is best for users who want ongoing, prescriptive AI guidance rather than a one-off checkup.

Full Lodestar Wealth pricing: every plan, hidden costs and alternatives

How Lodestar Wealth's pricing compares

At $14.99/mo, billing unit not specified, Lodestar Wealth is mid-range of its 3 comparable direct competitors ($7.92 to $20.83/mo across the set).

Copilot Money
$7.92
Monarch Money
$8.33
Lodestar Wealth
$14.99
Kubera
$20.83

Entry paid plan, monthly. Pricing checked Sep 28, 2026.

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Best Lodestar Wealth Alternatives

Top alternatives based on features, pricing, and user needs.

Monarch Money logo
Monarch MoneyPaid

Track, budget, plan, and do more with your money all in one app.

Copilot Money logo
Copilot MoneyPaid

Your money, beautifully organized. The money app that just works.

Empower Personal Dashboard logo
Empower Personal DashboardFree

Track net worth, cash flow, and investments

Kubera logo
KuberaPaid

Consolidate all assets in a spreadsheet dashboard

See all personal finance tools →

Still deciding?

Most buyers shortlist 2 or 3 tools before committing. Pull a side-by-side comparison or browse the full alternatives shortlist below.

Lodestar Wealth vs Monarch MoneyHead-to-head: features, pricing, who winsLodestar Wealth vs Copilot MoneyHead-to-head: features, pricing, who winsLodestar Wealth vs Empower Personal DashboardHead-to-head: features, pricing, who wins

Explore More

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Lodestar Wealth FAQ

How does Lodestar Wealth help someone improve their personal finances?

Lodestar Wealth reads your bank, card, and brokerage statements to generate a financial health score and a ranked action plan where every move carries its own dollar impact. You can simulate decisions against a live net-worth forecast to see potential outcomes before acting.

How does Lodestar Wealth compare to Empower Personal Dashboard?

Unlike Empower Personal Dashboard, Lodestar Wealth uses a deterministic engine that owns every number, meaning the AI never performs math calculations. It returns a financial health score and a ranked action plan with dollar impact, while Empower focuses on net worth tracking and investment analysis.

What kind of financial data does Lodestar Wealth require to generate its score?

Lodestar Wealth requires access to your bank, card, and brokerage statements to read transaction data. This means users must be comfortable linking their financial accounts to the service for it to produce a health score and action plan.

Which teams or individuals benefit most from using Lodestar Wealth?

Individuals who want a clear, quantified assessment of their financial health and a prioritized list of actions with specific dollar impacts benefit most. It is designed for people who prefer deterministic, math-based guidance over AI-generated advice.

How is Lodestar Wealth priced?

Lodestar Wealth is available on a free tier with paid plans that offer more usage and features. The free tier allows basic access, while paid plans unlock additional capabilities for deeper financial analysis.

Can Lodestar Wealth simulate financial decisions before making them?

Yes, Lodestar Wealth allows users to simulate decisions against a live net-worth forecast. This enables users to see the potential dollar impact of actions before committing to them.

Does Lodestar Wealth support brokerage accounts in its analysis?

Yes, Lodestar Wealth reads brokerage statements in addition to bank and card statements. This allows it to include investment accounts in the financial health score and net-worth forecast.

How does Lodestar Wealth generate its action plan?

Lodestar Wealth uses a deterministic engine that analyzes your financial statements to produce a ranked action plan. Each action carries its own dollar impact, and the engine ensures that all numbers are calculated without AI involvement.

Source: lodestarwealth.io

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