Start free — no credit card required. The free tier — up to 8 tracked stocks with live letter grades and 1 AI report per month — is free for life and never touches a card. If you upgrade by adding a card, GMI is pay-per-use, not subscription: you're billed once a month for whatever you ran the month before, and zero usage in a given month means a zero charge that month. Here's exactly how paid billing works.
Signing up is email-only — the free tier never asks for a card. When you want unlimited stocks and reports, you add a card for continuity of service, not pre-payment. Nothing is charged when you add it. Card details are stored securely with Stripe; we never see the full number ourselves.
Every billable action shows you the cost before you commit — generating a report, running Claude analysis, sending a Claude Console query. You see the exact dollar figure, approve it, and only then does the work run. No surprise charges, no "estimated" amounts that swell at month-end.
On the same calendar day each month, GMI totals up everything you actually ran: report-generation charges, Claude usage, and storage. You can watch this running tally on your Billing & Usage dashboard in real time — no waiting until month-end to find out where you stand.
One Stripe charge against the card on file, for the actual usage from the previous billing cycle. You get an itemized receipt by email — and the same itemization is always available in your dashboard under Billing & Usage. Charges are in arrears (after-the-fact), never upfront.
No minimums. No "platform fees." No "active account" charges. If you don't generate a single report and don't run a single Claude query, your monthly invoice is exactly $0.00. That's how pay-per-use is supposed to work, and that's how it actually works here.
The same account, three different usage patterns, three different invoices.
The honest read: pay-per-use only works if the user trusts the meter. We try to earn that trust by showing you cost before every action, billing in arrears for actual usage, and never surprising you with charges you didn't expect. If something ever feels off, contact support — we answer.
Most retail-finance tools bill $10–$50/month whether you log in or not. Here's how the math compares for someone who uses GMI two to three times a month.
| Quiet quarter 3 months, low activity |
Normal quarter 3 months, regular use |
Heavy quarter 3 months, weekly research | |
|---|---|---|---|
| $20/mo subscription tool | $60 | $60 | $60 |
| $35/mo subscription tool | $105 | $105 | $105 |
| GMI pay-per-use | ~$0–$10 | ~$25–$45 | ~$60–$90 |
If you use it lightly, you pay almost nothing. If you use it heavily, you pay roughly what a subscription would cost — but only because you actually used it. Either way you don't pay for a tool you forgot to cancel.
No credit card required. Up to 8 tracked stocks with live grades and one AI report a month — free for life. Upgrade only if you want more.
Disclaimer: Grade My Investments is not a registered investment advisor and does not provide financial advice. Pricing and billing mechanics on this page reflect the current implementation and may evolve over time; see full Terms & Conditions and current pricing for the authoritative statement.
