Simple, Transparent Pricing

No feature gates. No hidden fees. Everyone gets the same 82 engines, 128 tools, and 15 3D themes. Pricing is based on your household net worth and the app's adaptive complexity level.

Founding member launch: The first 11,000 users get the full application free -- regardless of net worth. No trial. No time limit. Your copy, forever. After 11,000 spots fill, standard pricing applies.

Monthly Yearly (save 2 months)
Beginner
$0 / forever

For households under $150,000 net worth

  • All 82 engines
  • All 128 tools
  • All 15 3D themes
  • 28 language support
  • 155+ document types
  • AES-256 encryption
  • 100% local processing
  • Adaptive complexity system
Download Free

🤝 Built on Trust, Not Lock-In

Home Office OS runs entirely on your device. We can't revoke access because we don't control your installation. When you subscribe, you're funding the person building this -- not paying rent on software you already have.

If you stop subscribing, the app keeps working. Fully. With zero limitations. You just won't get updates. We believe in earning your support, not locking you in. If you want this tool to stay private, independent, and one person's honest work -- support it.

Pay Once, Keep Forever

When you subscribe to Intermediate or Advanced, you're supporting continued development. The app is yours. It runs on your device. It works offline. Nothing changes if your subscription lapses.

Your subscription funds new engines, updated tax tables, bug fixes, and feature improvements. Renewing is how you keep the project alive and your app current.

Without an active subscription, you lose:

  • Annual tax table and bracket updates
  • New calculation engines and tools
  • Bug fixes and performance improvements
  • New 3D themes and UI enhancements

💬 No Refunds, but Just Ask

All sales are final. Because the app runs locally and we can't revoke your license, we don't offer refunds.

But if you need the app and can't afford it, just email [email protected]. We'll work something out. We'd rather give you a code than have you jump through hoops.

Households under $150,000 net worth: the full application is free, forever. No trial, no feature gates, no credit card. This never changes.

How We Compare on Price

Free Credit Karma, GnuCash, Actual Budget, FreeWill
$30 – $80/yr Cognito ($29), True North ($50), Simplifi ($48–$100)
$60 – $120/yr Home Office OS - Free (Beginner) | $49.99/yr (Intermediate) | $99.99/yr (Advanced)
$80 – $150/yr Copilot ($95), Monarch ($100), ProjectionLab ($108), YNAB ($109), Boldin ($144)
$150 – $600/yr Trust & Will ($199+), Kubera ($249), PortfolioPilot Pro
$1,800 – $3,600/yr RightCapital, eMoney Advisor (advisor-only)

Start Managing Your Finances Privately

Your data stays on your device. No cloud. No tracking. No compromises.