Pricing
Start with the published forecast, free for 30 days. When you are ready to run your own what-if simulations,Light, Pro, Analyst, Desk, and Institution start at 50% off for the first month.
Observer is free for the first 30 days. Light and Pro start at 50% off for the first month.
We email you 7 days before Observer's first charge. Billed monthly. Cancel anytime.
Follow published forecasts and their record.
$0first 30 days
then $9.90/month
Reading only
The published forecast
Updated as data lands
Card required · Cancel anytime
Run your own scenarios for each meeting.
$11first month
then $22/month
5
simulations per month
500 monthly credits
Billed monthly · Cancel anytime
For larger and more frequent experiments.
$55first month
then $110/month
30
simulations per month
3,000 monthly credits
Billed monthly · Cancel anytime
One simulation represents one simulated FOMC meeting. You can run the same scenario once or repeat it. Results from fewer than 20 runs are directional only and are not intended for citation or firm conclusions.
Compare
Observer follows the published forecast. Light and Pro add your own what-if simulations. Book is available on institutional plans.
| Observer | Light | Pro | |
|---|---|---|---|
| Forecasts | |||
| Published forecast and committee split | ✓ | ✓ | ✓ |
| Track record and meeting calendar | — | ✓ | ✓ |
| What-if simulations | |||
| Simulations per month | — | 5 | 30 |
| Monthly credits (100 per simulation) | — | 500 | 3,000 |
| Runs per scenario | — | 1 to 10 | 1 to 30 |
| 20+ runs per scenario | — | —up to 10 | ✓ |
| Additional credit packs | — | ✓ | ✓ |
| Book | |||
| Positions valued across simulated outcomes | —Institutional plans | —Institutional plans | —Institutional plans |
| Workspace | |||
| Data environment | Shared clusterisolated per workspace | Shared clusterisolated per workspace | Shared clusterisolated per workspace |
| Seats | 1 | 1 | 1 |
| Priority email support | — | — | ✓ |
| Billing | |||
| Introductory offer | First 30 days free | First month 50% off | First month 50% off |
| Billed monthly. Cancel anytime. | ✓ | ✓ | ✓ |
Each simulation represents one simulated FOMC meeting for a single scenario and uses 100 credits. Run a scenario once for a quick read or repeat it to see how often each decision appears across runs. Adding your own documents also uses credits: 2 credits per text page and 10 per scanned page. Additional credit packs can be added to any simulation plan.
Institutional plans
Enter positions for a meeting, such as fed funds futures or a rate exposure. Book shows how those positions would be valued under each simulated committee outcome, using the published forecast or one of your own what-if scenarios. The market-implied distribution is shown alongside.
Security
FINANCE90 runs on infrastructure from providers that maintain independent security audits and certifications, including SOC 2 Type II and ISO/IEC 27001 where shown below.
Supabase
Stores workspace data · us-east-1
SOC 2 Type IIISO/IEC 27001
Google Cloud
Runs application services and simulation jobs
SOC 2 Type IIISO/IEC 27001
Vercel
Serves the web application
SOC 2 Type IIISO/IEC 27001
Stripe
Processes payments · card details do not pass through our servers
PCI DSS Level 1SOC 2 Type II
These audits and certifications apply to our service providers, not to SAPIENSQ. Institutional plans use isolated data environments: Analyst uses a dedicated database on the institutional cluster, while Desk and Institution use dedicated projects with their own databases.
Simulation inputs are processed through the Google Gemini API and, under our current configuration, are not used for model training. They may be retained for up to 55 days for abuse monitoring.
Questions
Observer is free for the first 30 days. A payment method is required when you start. We email you 7 days before the first $9.90 charge, and your billing date is always shown in Settings. Cancel before that date and you will not be charged. The free period is available once per person and once per workspace.
Light, Pro, Analyst, Desk, and Institution are 50% off for the first billing month, with the full monthly credit allowance available from day one. The discount applies once per workspace on the individual plans and once on the institutional plans. For example, a workspace on Observer receives it when starting Light or Pro, and again when later moving to Analyst, Desk, or Institution.
You can cancel anytime in Settings. Plans are billed monthly with no long-term commitment. Your plan remains active through the end of the paid billing period. After that, you can still sign in, view your past work, and restart a plan whenever you choose.
A what-if simulation lets you describe a scenario, such as a data surprise, a speech, or a document you want the committee to consider. FINANCE90 then runs a simulated committee meeting around that scenario. Each run is one simulation and uses 100 credits. Run a scenario once for a quick read or repeat it to see how decisions, votes, and dot-plot projections vary across runs. Results from fewer than 20 runs are directional only and are not intended for citation or firm conclusions.
Yes. Upgrades take effect immediately. Your billing cycle restarts on the upgrade date, the value of any unused credits on your current plan is deducted from the upgrade price, and you receive the new plan's full monthly credit allowance. Downgrades take effect at the end of the current billing period. Moving between individual and institutional plans also moves your workspace data between the shared and institutional data environments.
