Frequently Asked Questions
Everything you need to know about our software platform, pricing, and features.
About Our Platform
What type of product is Frugalist.Club?
Frugalist.Club is a Software-as-a-Service (SaaS) platform. You get unlimited access to our web-based financial planning software through a monthly or annual subscription.
Think of it like Netflix for financial software — you pay a subscription, you get access to everything. No downloads, no installation, just log in from any browser.
Do I need to download or install anything?
No. Our software runs entirely in the cloud. Access it from any browser on any device — computer, tablet, or phone. Just create an account and start using it.
What am I paying for?
Your subscription provides ongoing access to our software platform, including:
- Unlimited use of all calculators and simulation tools
- Cloud storage for your saved simulations
- AI-powered expense and portfolio analysis
- Continuous software updates and new features
- Educational content library
- Email support
Is this a one-time purchase or subscription?
This is a recurring subscription service (standard SaaS model). You maintain access as long as your subscription is active. Cancel anytime with no penalties or fees.
Do you provide financial advice or consulting?
No. We provide software tools only. Frugalist.Club is a technology platform, not a financial advisory service.
How is this different from hiring a financial advisor?
| Feature | Frugalist.Club | Financial Advisor |
|---|---|---|
| What you get | Software tools | Personalized advice |
| Cost | $20/month or $60/year | $2,000-10,000/year |
| Who decides | You (DIY approach) | Advisor recommends |
| Access | 24/7 from anywhere | Scheduled appointments |
| Best for | DIY planners, tech-savvy | Want hands-off management |
What companies are you similar to?
We're comparable to other personal financial software platforms:
- •Mint.com — budgeting and expense tracking software
- •YNAB (You Need A Budget) — budget planning software
- •Personal Capital — wealth management software
- •Quicken — personal financial planning software
All subscription-based financial software platforms. We're in the same category — just focused on retirement planning, debt optimization, and AI-powered analysis.
Pricing & Subscription
What's included in the free plan?
Free tier includes:
- Trinity Study Retirement Planner
No credit card required. Perfect for trying the software before subscribing.
What's included in Pro ($20/month)?
Everything in Free, plus all these tools:
- Monte Carlo Retirement Simulator
- International Retirement Simulator
- Coast FIRE Calculator
- Debt Payoff Calculator
- Mortgage & Purchase Simulator
- Portfolio Analysis Tool
- Multi-Scenario Comparator
- Expense Analyzer
- Unlimited Simulation History
- Professional PDF Reports
- Finances Distilled
- Emergency Fund Calculator
Can I cancel anytime?
Yes. Cancel anytime from your account settings. No penalties, no fees. Your subscription remains active until the end of your current billing period.
When you cancel, we'll ask for optional feedback to help us improve the service. It's voluntary and won't delay your cancellation.
Is my payment information secure?
Yes. We use Paddle for payment processing — a trusted payment platform used by thousands of SaaS companies. We never store your credit card information on our servers.
Technical & Security
Where is my data stored?
All data is stored securely on AWS (Amazon Web Services)with encryption at rest and in transit. We use the same infrastructure as Netflix, Airbnb, and NASA.
Do you sell my data?
Never. We make money from subscriptions, not from selling your data. Your financial information is private and never shared with third parties.
What browsers are supported?
Our software works on all modern browsers: Chrome, Firefox, Safari, Edge. Mobile-responsive design works on phones and tablets too.
Can I use this on my phone?
Yes. Our web application is fully responsive and works on mobile browsers. No app download needed — just visit frugalist.club from your phone's browser.
How do I get support?
Email us at support@frugalist.club. We typically respond within 24 hours. Pro subscribers get priority support.