Origin

Origin sits between a budgeting app and a financial-planning service. The core of it works like other aggregators in this category, linking checking, savings, credit, and investment accounts through Plaid to build out a net-worth view and spending breakdown, but it layers Monte Carlo retirement projections and broader financial-planning tools on top, the kind of modeling that’s usually locked behind a human advisor’s fee.

Pricing runs around $12.99 a month or $99 a year for individuals, though a meaningful share of Origin’s user base gets it free or discounted because their employer offers it as a workplace benefit, often alongside other financial-wellness perks. On top of the subscription, Origin offers paid one-on-one sessions with a certified financial planner for people who want a human review of their plan rather than relying purely on the app’s projections. It’s a good match for someone whose employer already covers it, and worth comparing against free alternatives like Empower for anyone paying out of pocket.