Pricing
Priced for cooperatives,
not corporations.
Pick the plan that fits your co-op’s stage, from forming the entity to running field operations. Unlimited members on Growth Core and above.
Plans
Starter Core
For newly forming co-ops needing legal and equity foundations.
$119/mo
Billed annually ($1,428/yr)
- 500 AI credits / month
- 10 members included, then $3/mo per member
- Ownership designer: member classes, voting rights, buy-ins
- General ledger, invoicing, expenses, and Plaid bank feeds
- AI Advisor (uses AI credits)
- Advisor and lender marketplace, co-op directory
- Timesheets, shift scheduling, inventory, procurement and retail POS
- Housing leases, utility metering, equipment sharing, gig dispatch and time banking
- Role-based permissions and audit trail
- Formation Studio with AI-drafted articles and bylaws
- Member ledger and capital accounts
- Proposals, ballots, proxies, and meeting minutes
- Document vault with SHA-256 sealed records
- Compliance calendar
Recommended
Growth Core
For active operating cooperatives distributing patronage.
$399/mo
Billed annually ($4,788/yr)
- 2,500 AI credits / month
- Unlimited members
- Everything in Starter Core
- CRM pipeline and estimates
- Projects and job costing
- Patronage allocations and 1099-PATR data
Pro Core
For co-ops preparing for or currently raising capital.
$999/mo
Billed annually ($11,988/yr)
- 8,000 AI credits / month
- Unlimited members
- Everything in Growth Core
- Capital offering-prep workspace
- Capital control impact analyzer
- Disclosure room
Operate Core
Full contractor & field operations OS for service/trade co-ops.
$1,199/mo
Billed annually ($14,388/yr)
- 12,000 AI credits / month
- Unlimited members
- 20 field seats included, then $15/mo per seat
- Everything in Pro Core
- Work orders and dispatch calendar
Enterprise
For federations, networks, and larger organizations that need custom terms.
Custom
- 50,000 AI credits / month
- Unlimited members
- Everything in Operate Core
- Custom contract, invoicing, and onboarding plan
- Help planning multiple workspaces
Every new workspace starts with a 14-day free trial, no credit card required. Prices are in US dollars and exclude applicable taxes.
Compare plans
Monthly prices shown. Scroll sideways on small screens.
| Feature | Starter Core | Growth Core | Pro Core | Operate Core | Enterprise |
|---|---|---|---|---|---|
| Price | $149/mo | $499/mo | $1,250/mo | $1,500/mo | Custom |
| AI credits per month | 500 | 2,500 | 8,000 | 12,000 | 50,000 |
| Members | 10 + $3/mo each | Unlimited | Unlimited | Unlimited | Unlimited |
| Field seats | — | — | — | 20 + $15/mo each | — |
| Ownership designer: member classes, voting rights, buy-ins | Included | Included | Included | Included | Included |
| General ledger, invoicing, expenses, and Plaid bank feeds | Included | Included | Included | Included | Included |
| AI Advisor (uses AI credits) | Included | Included | Included | Included | Included |
| Advisor and lender marketplace, co-op directory | Included | Included | Included | Included | Included |
| Timesheets, shift scheduling, inventory, procurement and retail POS | Included | Included | Included | Included | Included |
| Housing leases, utility metering, equipment sharing, gig dispatch and time banking | Included | Included | Included | Included | Included |
| Role-based permissions and audit trail | Included | Included | Included | Included | Included |
| Formation Studio with AI-drafted articles and bylaws | Included | Included | Included | Included | Included |
| Member ledger and capital accounts | Included | Included | Included | Included | Included |
| Proposals, ballots, proxies, and meeting minutes | Included | Included | Included | Included | Included |
| Document vault with SHA-256 sealed records | Included | Included | Included | Included | Included |
| Compliance calendar | Included | Included | Included | Included | Included |
| CRM pipeline and estimates | Not included | Included | Included | Included | Included |
| Projects and job costing | Not included | Included | Included | Included | Included |
| Patronage allocations and 1099-PATR data | Not included | Included | Included | Included | Included |
| Capital offering-prep workspace | Not included | Not included | Included | Included | Included |
| Capital control impact analyzer | Not included | Not included | Included | Included | Included |
| Disclosure room | Not included | Not included | Included | Included | Included |
| Work orders and dispatch calendar | Not included | Not included | Not included | Included | Included |
AI credit packs
Need more AI drafting or advisor questions than your plan includes? Top up any time with a one-time pack from Billing & Credits.
Starter Pack
$40
500 credits
Quick top-up for governance and compliance workflows
Growth Pack
$90
1,500 credits
Popular top-up for active cooperative teams
Power Pack
$200
4,000 credits
Best value for high-volume AI and capital operations
Pricing FAQ
How does the free trial work?
Every new workspace gets a 14-day free trial with Growth Core features and a starter balance of AI credits. No credit card is required to sign up. To keep using OwnFold after the trial, choose a plan from Billing & Credits inside your workspace.
How do member and field seats work?
Starter Core includes 10 members; each additional member is $3/mo. Higher plans include unlimited members, because co-ops grow by adding owners. Operate Core includes 20 field seats for crew members using work orders and dispatch, then $15/mo per additional seat.
What are AI credits?
AI features use platform credits. Each plan includes a monthly allowance, and you can buy one-time credit packs at any time. For example, an AI Advisor question uses 1 credit and a full AI-drafted formation document set uses 50 credits. AI drafts are a starting point for review by a qualified attorney or accountant, not legal or tax advice.
How does annual billing work?
Annual plans are billed once a year. The price shown on the annual toggle is the effective monthly rate, and the yearly total is shown under each price.
Why do Pro Core and Enterprise go through sales?
Pro Core includes the capital-raising workspace, and we set it up with you so the disclosure and referral guardrails fit your plans. OwnFold is not a broker-dealer or funding portal and does not sell securities. Enterprise is priced to your organization's needs.
Are there transaction fees?
Subscriptions have no transaction fees. If you accept online payment of customer invoices through Stripe, a 2% platform fee applies in addition to Stripe's processing fees. Public support-campaign contributions carry a 5% platform fee.
Can we get our data out if we leave?
Yes. Your cooperative's records belong to you. Some records, such as the audit log, can be exported to CSV inside the app, and on request we will provide a complete export of your workspace data.
Still have questions? Talk to us.