Answers, from the code.

Enter your email on the sign-in page and press Send me a code. Type the 6-digit code from the email. Your household is created on that first visit; there is no separate sign-up form.

No. Grownz is passwordless. Every sign-in uses a fresh 6-digit code sent to your email, valid for 10 minutes.

No. The Free plan has no card step, and during the beta Plus is granted on us with no payment taken.

Pricing

Three things: what to call you, where you live (6 countries) with the currency for your numbers, and your life stage. Your time zone is read from the browser.

India, the United Arab Emirates, the United Kingdom, the United States, Singapore and Australia.

Markets

Yes. Country sets the number format and the billing rail; the currency for your numbers is a separate choice from the same 6.

Home, Money, Grow, Housing and More. More holds Insurance, Loans and credit, Documents vault, Learn, Freedom planner, Daily expenses, Month in review, Family, Account, Goals, Reminders, Risk review, Ask Claude and Notifications.

One of five: First Job, Getting Stable, Growing, Building Wealth, Big Commitments. You pick one at sign-up and milestones unlock the next.

The five stages

Open Grownz in your phone browser and use the Install button, or your browser’s Add to Home Screen. It opens full screen with an offline shell.

Not yet. Grownz is an installable web app on any phone. Store apps are on the roadmap.

The moon or sun button in the header. Your choice is remembered on that device.

Open the account drawer from your avatar in the header and choose Sign out.

On Money, set a limit for each category. The screen then shows spending against the limit for the current month.

Daily expenses: enter the amount, tap a category, save. Optional: a note, a receipt, a bill with provider and due date, or a tip.

An expense marked as a bill with a provider and a due date. Grownz raises a reminder for it.

On the expense form choose Paid a tip? and pick 5, 10 or 15 percent. The tip is recorded with the expense.

A monthly read of your spending with 7 rule-based insights, then a button to close the month. Part of Plus.

Money features

Total versus budget, largest overspend, best-controlled category, savings rate, chronic overspend across months, saved to passive, and mid-month pace.

It marks the month as reviewed, sets the next review reminder, and counts toward the First month closed milestone.

Income minus spending, divided by income, for the month. It appears in Month in Review.

Yes. Open the expense from the Money list to change or remove it.

Yes, on Plus. The receipt goes to the Documents vault on a signed link and is attached to the expense.

Passive income divided by monthly expenses, as a percentage. Below 25% is starting, below 100% building, 100% and above is free.

Grow features

What your assets pay out: dividends, rent, interest, distributions, plus any manual passive income you enter. Price growth does not count until it pays out.

Cash, bonds, equity, REIT, property, gold and retirement.

The screen with the freedom ratio gauge, the gap to close, and an asset library that shows what pays out. Reached from Grow or from More as Freedom planner.

Three sliders plus editable yield, growth and inflation assumptions, with a month-by-month projection. Nothing is saved. Part of Plus.

No. It shows what your own assumptions imply. It is illustrative and not advice.

Assets from your holdings and home equity, minus what you owe on loans. Shown on Home in your display currency.

A number of months of essential expenses you set in the planner settings. Completing it is a milestone for stage 4.

Rates refresh daily. Holdings in another currency are shown in your display currency at the latest rate.

No. Grownz gives scenarios, not forecasts, and filters, not advice.

It divides the price of a similar home by its annual rent and gives a verdict from that price-to-rent ratio.

Housing features

A rough rule: above about 20, renting is usually cheaper; below about 15, buying tends to win. Grownz shows the ratio and a verdict, not a recommendation.

On Housing choose Renting, then enter rent, deposit and lease end. Rent can also be logged as a bill so it raises a reminder.

For a home loan, how much of each payment is interest and how much is principal. Early on most of it is interest; the split flips over time.

Enter a prepayment amount and see the interest it removes and the months it takes off the loan. Illustrative, never saved.

A savings target for buying. Funding it is one of the three milestones for stage 5.

Housing shows your housing cost as a share of income so you can see whether rent or an EMI is crowding out saving.

On Family, the owner mints an 8-character invite code, optionally emailed with a join link. It expires in 7 days.

Family features

Members see everything and can add to it. Viewers see only the areas you switch on, at the detail you choose, and can never edit.

Expenses, budgets, savings, debts, planner and documents, each on or off per viewer.

A viewer setting where every amount is blanked before it leaves the server. The viewer sees structure, not numbers.

Free has no family seats. Plus has 1. Pro has 5.

Open the join link or enter the code at Family. You can belong to more than one household and switch between them.

From Family, choose Remove beside their name. Access ends immediately.

Yes, from the list of open invites on Family, before it is used or expires.

Yes. Beside a member there is a link to see what they see.

Budgets and Daily expenses, the freedom ratio and planner, housing, insurance, loans, goals, reminders, the Documents vault and Learn. No family seats.

Month in Review with insights, Scenario Lab, receipts attached to expenses, and 1 family seat.

Everything in Plus, Ask Claude on your own key, the Annual risk review with history, and 5 family seats.

Plus is INR 299 a month for Indian households and USD 3.99 everywhere else. Pro is INR 599 or USD 6.99. Yearly is 10 months. Your household currency only changes how your numbers are shown.

Pricing

Razorpay for Indian households, with cards and UPI. Stripe elsewhere. Grownz never sees your card or UPI details.

More, then Your plan. Only the household owner can start checkout. Payment happens on the provider’s page.

From Your plan. What you have paid for runs to the end of its period, then the household returns to Free.

Open the billing portal from Your plan. It is the provider’s secure page.

During the beta, households are granted Plus without a subscription. Your plan says so. No payment is taken.

Prices are shown before any tax the provider is required to add for your country. [PLACEHOLDER: tax wording for counsel]

A plain-English read of your planner figures, under 120 words, facts only. It runs on your own Anthropic key. Part of Pro.

AI on your key

From console.anthropic.com on your own account. Paste it on the Ask Claude screen.

Sealed with a server secret before it is stored, never logged, and only the last 4 characters are shown. You can remove it at any time.

A live search for deposit rates, bond yields and recent central-bank moves where you live, with sources. At most 3 searches per answer. It never recommends an investment.

Attach a receipt to an expense. With a key stored it is read and the form pre-filled. You review and submit; nothing saves itself.

No. Explanations are shown, not stored.

You pay Anthropic directly for what you use. Grownz adds no AI charge and does not meter usage.

Derived numbers from your planner, never your notes or documents, except the single receipt you ask it to read.

The server has no key-sealing secret configured, so keys cannot be stored on that environment.

No. Every financial table is keyed by household and Postgres row-level security enforces it on a restricted role, with cross-household tests in CI.

Security

No. Sessions live in an httpOnly cookie and the browser talks to a server proxy.

Yes, append-only. Update and delete are revoked on it at the database.

The application runs on Fly.io and the database, authentication and storage on Supabase. Regions are stated once the production deployment is final.

Fly.io, Supabase, Vercel, Stripe, Razorpay, Resend, Inngest, Sentry, Doppler, and Anthropic: in the product only when you supply your own key, and for the website assistant when that upgrade is switched on.

Sub-processors

No. Checkout and the billing portal run on Razorpay or Stripe pages.

On a private storage bucket, uploaded from your browser on a one-time signed link. The API never handles the file bytes.

Financial detail until account deletion plus 30 days; documents 7 years after close where tax law requires, else 30 days; the audit log 2 years. See the data-classification register.

[PLACEHOLDER: security contact address]. You will get a reply.

Codes and links last 10 minutes and work once. Request a new one from the sign-in page.

Sign-in links are tied to the browser that asked for them. Open the email on the same device and browser, or request a new code there.

Check spam, wait a minute, then request again. Codes are limited per email and per address to stop abuse.

Reload the page. If it persists, sign out and in again, and tell us the time and the tab.

Retries never duplicate: every save carries an idempotency key. Reload to see the saved state.

That is summary mode. Switch the viewer to full detail on Family if you want them to see amounts.

Photos are served from storage. Try again after a reload; if it persists, remove and re-add the photo.

The installed app shows an offline page when there is no network. Financial data is never cached, so reconnect to continue.

No. There is native groundwork, but no store builds. Use the installable web app on any phone.

The Pro entitlement includes them, but nothing is published yet. Do not expect alerts until the site and app say they are live.

Not yet as a self-serve feature. Request it by email and it is handled manually. [PLACEHOLDER: privacy contact address and response time]

Not yet as a self-serve feature. Request it by email and it is handled manually, with the retention periods in the data-classification register.

Not yet. Uploads are signed, size-limited and private, but there is no malware scan or metadata stripping today.

No. You pay Anthropic directly and Grownz does not meter usage. Set limits in your Anthropic account.

Yes. They are the product’s current starting point and may change as Grownz learns. The Stages page lists them as they are today.

No. Hold balances under the retirement asset class and use the Prepayment Lab for extra repayments.

Not a public one. Report issues to the security address.