First things first. Always.

Built for Christian families first — but the scripture intensity dial has a true "Off" mode that's a first-class experience. Secular families get a clean multi-agent budget tool with no scripture content. The covenant ordering (Giving → Savings → Lifestyle) still applies; you just substitute "charity" for "tithe."

Every plan starts with a 14-day trial. A card is required at signup so we can stay focused on serious stewards (and so we can keep prices honest). You can cancel any time during the trial and you won't be charged. After 14 days the plan you picked starts at the price you signed up at — Founders rate stays locked at $79/year as long as you stay subscribed.

Connected accounts refresh automatically — typically once a day, depending on your bank. Not real-time. Some institutions are faster, a few are slower. If a bank is being slow, you can always add a transaction manually or import a CSV — both stay available on every plan.

SimpleFIN is a third-party bank-data service that runs at bridge.simplefin.org. On Core, you create your own SimpleFIN account, connect each of your banks once in their interface, and they bill you directly — roughly $1.50/month per institution. You then paste a one-time setup token into Firstfruits and we sync transactions from your bridge nightly. It's ~10 minutes of one-time setup. The trade is: you pay SimpleFIN a small monthly fee, we don't mark up the data, and there's no cap on how many accounts you connect. Aligned (post-launch) skips the bridge step with one-click Plaid login on top US banks, and we cover the data-pipe cost — that's the convenience the higher tier buys.

On Core it's 10 minutes of one-time setup at bridge.simplefin.org so you control your bank data and Firstfruits stays sustainable at $79/year. On Aligned, it will be one click — that's the convenience the tier buys. Both options exist on purpose; pick what fits.

Depends on the path. SimpleFIN (Core) returns whatever your bank exposes — typically 60 days to 1 year, sometimes more. We ask for a year on first sync; the bank caps the actual amount. For older transactions, download statement CSVs from your bank and use the import flow at /transactions/import — SimpleFIN takes over for ongoing sync from there. Plaid (Aligned, post-launch) does deep backfill automatically — up to 24 months on first connect for most major US banks, no CSV stitching required.

Set a total tithe percentage, then split it across as many recipients as you want — Summit Church 70%, Compassion International 20%, "TBD — decide later" 10%. The placeholder mode is real: you commit to the rate now, you decide where it lands later.

Yes. Tag any 401(k), 403(b), 457(b), Roth/Traditional IRA, SEP, SIMPLE, HSA, 529, brokerage, real estate, ESOP, crypto, private equity, or precious metals account with type "Investment" and it gets its own surface at /investments — separate from cash flow on purpose. You see net worth, tax-bucket split, IRS contribution pace, beneficiary state, and a stewardship checklist with eight detectors (dormancy, debt-vs-investing, age benchmark, 529 deduction room, tax-loss harvesting in Q4, year-end giving in December, plus more).

Yes. Configure your match terms once (annual salary, match percentage, cap percentage of pay) and the page shows real-time capture: "$1,380 of $7,200 match still on the table this year. About $230 per paycheck across the next 6 biweekly paychecks would clear the cap by Dec 31." We don't change your contribution for you — that happens in your payroll portal.

Yes. 529: tracks state-tax deduction caps for 35 states + DC and shows how much deductible room you have left this year. HSA: surfaces the triple-tax framing and flags when you're using it as a debit card instead of investing. Beneficiaries: per-account log with stale-detection (>365 days). We don't store WHO the beneficiary is (privacy + edge cases) — we just log the date you confirmed. Same approach for the household-level estate documents (will, trust, POA, healthcare directive).

No. Hard line. We name the questions, never the answers. We surface BRI / values-aligned investing options like Inspire, Eventide, Praxis, and GuideStone for households who want to consider whether their funds align with their values, but we don't pick. We don't recommend Roth vs. traditional, asset allocation, or rollover destinations. Those are conversations for your fiduciary advisor or CPA.

Standard SaaS hygiene. SOC 2 Type II infrastructure, encrypted at rest and in transit. No third-party analytics, no behavioral tracking, no data sharing with anyone we don't strictly need for service delivery. We never use your data to train AI models. Full detail at /legal/privacy.

Each agent ships with hard anti-pattern guards: no prosperity gospel, no shame language, no "the Bible says" without citing chapter and verse, no comparison to other households. Plus you control the dial — turn the scripture down or off entirely if it doesn't serve you.

Yes. Invite your spouse and they get their own login, their own scripture intensity dials, but a shared view of household money. Real-time. Multi-tenant from day one.

Phase 6 — March 2027. Kid Tutor per child with age-appropriate stewardship lessons + an account view scoped to their allowance/savings. Until then, focus on the adults.