Gold is the ongoing service layer around free My MFA: source-backed monitoring, a weekly money brief, quarterly and annual reviews, deeper Card Wallet optimization, longer history and member benefits.
Gold is currently invite only. Public enrollment and payment are not open yet. Invited members can sign in and use Gold now.
Planned public pricing
Public enrollment and payment are not available yet.
Pricing is shown for preview only. MFA is not accepting Gold payments yet.
Useful today · free
Build your baseline, compare a decision or try the public workspace demo while Gold enrollment remains limited.
What stays free
Future store benefits · Shop is not open
Store credit and discounts are planned benefits for when Shop opens; they cannot be used now. Store credit is noncash and tied to the paid membership year.
Available to invited members
Gold sits on top of the free MFA foundation and focuses on continuity: watching, remembering, reviewing and helping you use what you already have.
Rate and market watches are evaluated in-app while you use My MFA; private Deal Watches remember verified offer terms.
A source-backed monitoring layer for saved rate, market, Deal, Savings APY and economic-release watches plus supported card-perk reminders, organized in Gold Center so the things you chose to watch stay together.
Why it belongs in Gold: The monitoring model is built once and can keep expanding as MFA adds more source-backed watch types.
Current context and saved-plan signals inside My MFA.
A deterministic Gold Center brief, limited to one per Eastern calendar week, summarizing your active monitoring setup, watched economic releases coming in the next 7 days, unread Gold Center items and whether a saved My MFA baseline is available. It uses counts and status signals rather than copying balances, thresholds or private labels into the brief.
Why it belongs in Gold: The useful parts of MFA come back together in one recurring review instead of requiring several separate checks.
Current saved baseline and saved scenarios.
A private Gold timeline of meaningful My MFA baseline changes and newly saved scenario versions. Baseline history keeps selected high-level before/after metrics already present in My MFA; scenario history stores the MFA tool, private version sequence, view type, save time and pathname while stripping query-string inputs and private labels.
Why it belongs in Gold: History becomes more valuable the longer you use MFA.
Money Plan, calculators and current My MFA context remain available anytime.
A polished quarterly review that scores the saved baseline, highlights changes, surfaces prioritized questions and produces a premium MFA PDF. Deterministic recommendations remain clearly labeled.
Why it belongs in Gold: It creates a recurring review of the whole picture rather than another isolated calculator.
Core rate/market thresholds, private Deal Watches, APY Watches and economic-release follows stay useful inside My MFA.
Separate Gold preferences for Rates, Markets, Deals, Card perks, source-verified Savings APY Watches and recurring Economic Release Watches let you decide which categories deserve attention in Gold Center.
Why it belongs in Gold: Members should control what deserves attention instead of receiving one undifferentiated stream.
Save cards, set point/perk values and see the best card for each spending category.
Supported dated perk reminders, optional anniversary-based annual-fee review prompts, unused-value signals and deeper multi-card optimization designed around the cards you already carry. Card Wallet prepares reminder dates only from explicit issuer cadence/expiry language or dates you enter, so Gold Center can surface supported review points without guessing.
Why it belongs in Gold: Rewards value is easy to lose through unused credits, duplicate annual fees and unnecessary complexity.
Read, post, reply, react and vote in the MFA Community.
A tasteful MFA GOLD badge, Gold profile treatment and a clearly labeled priority signal on Product Enhancement ideas.
Why it belongs in Gold: Members can help shape the product faster without buying more influence over financial discussion.
Export My MFA data and individual calculator results.
A private annual review that assembles the current saved baseline, recorded Gold baseline changes, saved-scenario activity, quarterly Health Check history, active watches and deterministic questions worth revisiting, then generates a polished MFA PDF on demand without storing a second copy of the financial profile.
Why it belongs in Gold: A tangible recurring artifact makes the saved history useful without pretending MFA has a complete bank ledger or individualized financial-advice mandate.
Gold roadmap
$20 store credit each paid membership year plus 15% off regular-price MFA merchandise. The discount does not stack with already-discounted pricing or other promotions.
Optional spouse/partner sharing for selected plans, goals and scenarios with clear permission boundaries.
Multi-variable what-if packs: income change, rate shock, home purchase, retirement timing, education funding and cash-flow stress testing.
MFA Gold is an educational software membership. It does not provide fiduciary, investment-advisory, tax, legal, banking or credit-repair services.