Free account
5 per month
Free
- Annual
- —
- Per question
- Free
Monet
How many questions you get, and what an answer costs.
Every membership includes a set number of Monet questions in a rolling 30 days. Nothing here is metered in hidden ways, and nothing is described as unlimited. This page shows the maths we use ourselves.
Bronze
25 per month
$5.99
- Annual
- $62.99
- Per question
- $0.24
Silver
50 per month
$10.99
- Annual
- $115.99
- Per question
- $0.22
Gold
100 per month
$20.99
- Annual
- $221.99
- Per question
- $0.21
Platinum
150 per month
$30.99
- Annual
- $327.99
- Per question
- $0.21
Pay per question
from 10, any number
$1.92
- Annual
- —
- Per question
- $0.19–$0.35
| Tier | Questions / month | Monthly | Annual | You pay per question |
|---|---|---|---|---|
| Free account | 5 | Free | — | Free |
| Bronze | 25 | $5.99 | $62.99 | $0.24 |
| Silver | 50 | $10.99 | $115.99 | $0.22 |
| Gold | 100 | $20.99 | $221.99 | $0.21 |
| Platinum | 150 | $30.99 | $327.99 | $0.21 |
| Top-up pack | From 10 — any number | from $1.92 | — | $0.19–$0.35 |
What an answer costs us
$0.12
That is the measured AI cost of producing one typical Monet answer, rounded up, taken from our own usage records. Card processing is on top of it and is already inside every price shown on this site — the price you see is the price you pay, excluding only legally required taxes where applicable.
Memberships are priced so that a member who uses every included question still leaves a margin. Net proceeds from Let Money Grow™ support Hariom Helps Foundation.
How counting works
- One question you send is one question counted. Monet's reply is not counted separately.
- The allowance is a rolling 30 days, not a calendar month.
- Top-up questions never expire and are only used once your monthly allowance runs out.
- Anyone can buy a top-up — member or not, signed in or not.
- Buying without an account? The questions are held against the email you pay with and appear the first time you sign in with it.
- Monet is financial education, not financial, tax or legal advice.
The question bank
50 questions worth asking, grouped by what you are working on. Tap one and it opens in Monet ready to edit. Each answer is written live for your own situation — these are not stored articles. Asking one uses one question from your monthly allowance or your pack.
Start here
Anyone who wants a straight answer on what to do next with their money.
An ordered set of moves, sized to your own numbers, with the reasoning shown.
Tax
W-2 earners and business owners who suspect they are overpaying.
The strategies that actually fit your income type, with the limits and records named.
Debt and credit
Anyone carrying card balances, loans or a mortgage decision.
A payoff order, a debt-free date, and what each choice really costs.
Investing and compounding
People deciding where the monthly surplus should go.
A boring, repeatable structure — and the honest risks of the exciting alternatives.
Buying and running a business
Anyone looking at an acquisition, an SBA loan or their own side business.
Underwriting logic, the questions to ask a seller, and where deals go wrong.
Protection, insurance and estate
Households that have built something and want to keep it.
The gaps in your cover, the documents you are missing, and who to call.
Digital assets and mining
People weighing speculative positions with real money.
Honest cost modelling and the tax treatment, before the pitch.
Family, students and giving
Parents, young adults and anyone building giving into the plan.
Practical sequencing for first paychecks, college costs and charitable gifts.