Individual Pricing
Personal plans built for serious investors.
Free, Pro, and Pro+ cover everything from entry-level tracking and full tax forms to API access, dedicated analysis, and monthly deep-dive reports.
Free
For exploring Cognia asset tracking and model Q&A before committing.
Monthly
$0
Annual
$0
Included
- 2 trial questions
- Portfolio tracking, reports not included
- 10 trial transactions
- Fast mode only
Pro
For investors who need complete tax forms, specialist agents, and annual transaction processing.
Monthly
$19.99
Annual
$199/year
Included
- 80 Credits
- All tax forms + 4 agents
- 5,000 transactions/year
- Auto mode, with Fast/Pro options
Pro+
For high-frequency trading, API workflows, and serious capital that needs dedicated analysis.
Monthly
$79.99
Annual
$749/year
Included
- 500 Credits
- Full features + API + dedicated analysis
- 500,000 transactions/year
- All models + dedicated monthly deep-dive reports
Individual Plan Comparison
Compare credits, tax capabilities, transaction limits, and model modes to pick the right level for your current needs.
| Tier | Free | ProRecommended | Pro+ |
|---|---|---|---|
| Monthly | $0 | $19.99 | $79.99 |
| Annual | $0 | $199/year | $749/year |
| Credits | 2 trial questions | 80 Credits | 500 Credits |
| Tax features | Portfolio tracking, reports not included | All tax forms + 4 agents | Full features + API + dedicated analysis |
| Transaction limit | 10 trial transactions | 5,000 transactions/year | 500,000 transactions/year |
| Model mode | Fast mode only | Auto mode, with Fast/Pro options | All models + dedicated monthly deep-dive reports |
Free
- Monthly
- $0
- Annual
- $0
- Credits
- 2 trial questions
- Tax features
- Portfolio tracking, reports not included
- Transaction limit
- 10 trial transactions
- Model mode
- Fast mode only
Pro
Recommended- Monthly
- $19.99
- Annual
- $199/year
- Credits
- 80 Credits
- Tax features
- All tax forms + 4 agents
- Transaction limit
- 5,000 transactions/year
- Model mode
- Auto mode, with Fast/Pro options
Pro+
- Monthly
- $79.99
- Annual
- $749/year
- Credits
- 500 Credits
- Tax features
- Full features + API + dedicated analysis
- Transaction limit
- 500,000 transactions/year
- Model mode
- All models + dedicated monthly deep-dive reports
FAQ
Frequently Asked Questions
Clear answers on individual pricing, credits, transaction limits, and Free plan constraints.
Credits are used for questions, agent analysis, and report-related tasks. Different tasks consume credits based on compute needs and analysis depth, with the exact usage shown clearly inside the product.
Free includes 2 trial questions, 10 transaction processing trials, and portfolio tracking. It does not include report exports, and model access is limited to Fast mode.
Pro is $199/year and Pro+ is $749/year, billed annually. Monthly plans remain billed month to month.
The transaction limit is the number of transactions you can sync or process each year. Free includes 10 trial transactions, Pro includes 5,000 per year, and Pro+ includes 500,000 per year.
Year-end audits arrive too late.
Start with the free trial, or choose the plan that fits your transaction volume, tax depth, and model needs.