Last updated 08-14-2026
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Origin
Origin pulls bank, brokerage, retirement, and crypto accounts into one dashboard where you track spending, monitor investments, and ask an SEC-registered AI advisor questions grounded in your own data. The finance app covers budgeting, portfolio benchmarks, net worth forecasting, and optional wills or trusts without juggling separate tools.
Most budgeting apps stop at categorizing transactions. Origin adds portfolio comparisons to indices like the S&P 500, Monte Carlo retirement forecasts, and estate planning documents valid in all 50 states. Investment accounts carry 0.00% expense ratios with no asset-under-management fees, which is uncommon for apps that also sell automated index portfolios and high-yield cash accounts.
Individuals and couples use Origin when they want one place for cash flow, investments, and long-range planning. Employers can offer it as a financial wellness benefit with planner access in 70+ countries. Partner access is included at no extra cost, so shared household budgets and forecasts do not require a second subscription.
Connect accounts through Plaid, MX, and Mastercard across 11,000+ institutions
AI Budget Builder drafts a monthly budget from your past income and spending patterns
Portfolio view compares holdings to major indices like the S&P 500 in real time
Monte Carlo forecasting models net worth, taxes, inflation, and Social Security scenarios
Automated index portfolios with 0.00% expense ratios and no AUM fees on Origin accounts
Partner invites are free, with shared budgets and household forecast views
Estate planning tiers include a free Basic Will, Full Will from $119, and Trust from $359 with membership
Partner access is included at no extra cost for shared household finances.
Investment accounts advertise 0.00% expense ratios with no AUM fees on Origin portfolios.
Connects through Plaid, MX, and Mastercard across 11,000+ institutions.
SEC-registered AI investment advisor with forecasting and estate planning in one app.
Forbes named Origin the Best Budgeting App in July 2024.
Estate Trust documents start at $359 on top of membership.
Mac desktop app requires macOS Catalina 10.15 or higher.
Employer pricing is custom and not listed for individual buyers on the public site.
Custodian fees from DriveWealth may apply even when Origin waives AUM charges.
How much does Origin cost?
Origin lists a limited-time promotion of $1 for the first year of membership on useorigin.com. Core features like forecasting are included with membership, and estate planning documents are priced separately, with a Basic Will free and paid Full Will or Trust tiers starting at $119 and $359 with membership.
Can I add my partner to Origin?
Yes. Origin includes partner access at no additional cost. You invite a partner by email from your profile, then share budgets, transactions, and household forecasts with filters that show each person's spending separately.
What accounts can Origin connect to?
Origin connects brokerage, retirement, crypto, and bank accounts through Plaid, MX, and Mastercard. You can also upload transactions via CSV when an institution is not supported directly.
Does Origin charge AUM fees?
No. Origin states that its investment accounts have 0.00% expense ratios and do not charge asset-under-management fees on automated index portfolios, though custodian fees from DriveWealth may still apply.
Is Origin's AI advisor regulated?
Yes. Origin describes its AI as an SEC-registered investment advisor through Origin Investment Advisory LLC. The spending and investing pages label the service as an SEC-Registered Investment Advisor subject to fiduciary oversight.
What estate planning does Origin offer?
Origin provides wills and trusts created by estate planning attorneys, valid in all 50 states. With membership, a Basic Will is free, a Full Will starts at $119, and a Trust starts at $359, each including unlimited revisions.
Does Origin work on mobile and desktop?
Yes. Origin offers iOS and Android apps plus a Mac desktop download linked from useorigin.com. The Mac app requires macOS Catalina 10.15 or higher according to the site's download page.