[beret4breakfast]

Pricing is a super tricky issue, especially when its for something related to financials. I think there are plenty of people who wouldn't bat an eye at $14p/m (and maybe they are the target audience), but there are also plenty of people who aren't buying $14 cocktails.

I fall into the camp where I like to play around with spreadsheets (free -£time) or other online calculators (free) just to make loose projections and see where I'm at. I make a good salary (for the UK) but don't pay for any financial advice (and probably wouldn't unless my situation got really complicated). I think if it was priced at £30-50 a year or £4-5p/m I (personally) might go for premium because the tool is honestly really great!

One completely different avenue you might consider is to selling direct to companies to provide to this a service to their employees. I'm not talking financial companies, but more as part of the benefit package. My company added something to their benefits, called bippit - which is awful (or at least not useful to me), but provides virtual one-one financial advisors and some very basic online tools.

[scubakid]

Would you fall into the camp of "make it universally cheaper"? Or carve up the feature set into more tiers with different prices? Curious how you would divvy things up, if the latter.

I do also grant general discounts on request (info on pricing page).

You're probably right about the enterprise / benefits angle, but at the moment I wouldn't have a clue how to actually go about it. Enterprise sales is the kind of thing I always imagined you might need a team (and a lot of time and pitching) to pull off... True or false?

[beret4breakfast]

I’m speaking as someone who has never had to price anything. To me it feels like a service that doesn’t give me monthly benefit (i.e. frequent recurring usage like my iCloud storage or Netflix etc) as I wouldn’t use it often enough, so paying monthly just feels like a waste to me. The difference between monthly rate if bought as a year and per month is pretty big to incentivise people to pay up for a full year - I personally dislike this strategy, it implies to me that I have to pay a 50% markup just to have the option to change my mind after a month or two (to me this implies I might, so best to get all the money up front).

I think you want to incentivise long term ownership of the product (MRR->YRR) with a focusing of the price at yearly. It aligns more with financial years / tax filings and the general cadence of people looking at their finances.

Now as I say I have absolutely no experience and haven’t done any market analysis. So this is just my opinion.