How Much Is a SoFi Plus Subscription?
By Austin Kilham | Updated October 2, 2026
The cost of a SoFi Plus membership is $10 a month.
When you’re considering a paid membership with a financial institution, what could matter is whether the benefits you receive can make the cost worthwhile. SoFi Plus costs $10 a month. The potential value depends on how you manage your money and which membership perks you’re able to use.
Understanding the program’s perks can help you decide how SoFi Plus may fit your financial needs and habits.
- Key Points
- • A SoFi Plus membership costs $10 per month, which adds up to $120 over the course of a year.
- • Subscribers gain access to a SoFi Bank savings account that earns 4.70% APY (Annual Percentage Yield) on the first $20,000.
- • Members have the ability to schedule unlimited, one-on-one appointments with financial planners to discuss personalized money strategies.
- • The program offers a 1% match on eligible deposits into non-retirement SoFi Invest accounts.
- • Users are eligible for borrowing discounts on fees for select lending products, such as receiving $500 off origination fees for SoFi mortgages.
Subscribe to SoFi Plus today.
What Is SoFi Plus?
SoFi Plus is a paid membership rewards program that gives members access to additional financial benefits and rewards across banking, investing, and borrowing. For a monthly fee, members may unlock a range of perks designed to help them get more value from their finances.
Benefits may include a higher interest rate on eligible SoFi Savings balances, investment matches, access to one-on-one financial planning sessions, and discounts on select lending products and other services. Together, these perks have the potential to help members save, earn, and make more of the financial products they already use.
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How Much Is a SoFi Plus Subscription?
A SoFi Plus membership costs $10 per month, and over the course of a year, that works out to be $120. The monthly subscription is billed based on the date you initially sign up.
Visit the SoFi Plus page for details on specific membership and promotional offerings.
Benefits of a SoFi Plus Subscription
SoFi Plus offers membership rewards that include:
• Higher interest rates: A SoFi Bank savings account can earn 4.70% APY on the first $20,000 and 3.30% after that on all other savings balances
• Investing rewards: SoFi Plus also provides investment benefits to its users, including complimentary one-on-one sessions with SoFi Wealth Financial Planners and a 1% match on eligible deposits into non-retirement SoFi Invest accounts.
• Financial planning: SoFi Plus members can schedule unlimited one-on-one appointments with financial planners. These sessions can cover areas such as personalized strategies for budgeting, paying down debt, savings, and investing.
• Borrowing discounts: Members may qualify for discounts on loan fees for certain lending products, including home loans, personal loans, student loans, and student loan refinancing. Discounts include a 0.25% rate discount on personal loans and an extra $500 discount on a SoFi mortgage
• Credit card rewards: Earn rewards for purchases you’re already making. SoFi Plus members are eligible for rewards such as a 10% boost on cash back rewards earned through select SoFi credit cards. In addition to credit card rewards, earn 5% cash back rewards points on SoFi Travel bookings (excluding airfare).
• Additional discounts and experiences: Members receive discounts for tools that help build a strong financial foundation. Users can get $200 off trusts from estate planning platform Trust & Will and 20% off tax preparation software TurboTax. They may also receive a 50% discount on Hello Privacy, a digital privacy and data removal service. Beyond financial tools, members are eligible for SoFi Plus Experiences, 10% off tickets with ticket exchange platform Vivid Seats, and a $20 reward on dining with Seated.
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When a SoFi Plus Subscription Makes Sense
SoFi Plus may be worth considering if the benefits you use are seen to outweigh the $10 monthly, or $120 annual, membership fee. The more perks you take advantage of, the greater the potential value.
For example, a single one-on-one session with a financial planner, with an estimated value of $300, could potentially offset the cost of membership on its own. And if you already bank, invest, or borrow with SoFi, you may have even more opportunities to take advantage of the program’s benefits.
How to Maximize a SoFi Plus Subscription
Getting the most from SoFi Plus starts with knowing which benefits fit your financial life. Consider how you already save, invest, and spend, then explore the perks that could add the most value.
The SoFi Plus Calculator makes it easy to put that value into perspective. Enter information such as your SoFi savings balance, monthly investment contributions, average credit card spending, and interest in financial planning to estimate how much you could potentially earn or save each year. It’s a simple way to see how the benefits can add up—and whether SoFi Plus could be a good fit for you.
How to Sign Up for a SoFi Plus Subscription
Follow these steps to sign up for a SoFi Plus subscription:
• Log in to your SoFi account.
• Select the Profile icon at the top of the home page.
• Select Membership & Rewards.
• Select Upgrade to SoFi Plus.
• Follow the on-screen steps to complete your enrollment and submit your subscription payment.
SoFi Plus Tips
The following tips can help you make the most of your SoFi Plus membership.
• Make the most of your membership. The more SoFi Plus benefits you use, the more potential value you can get from your $10 monthly membership fee. Review the available perks and identify the ones that fit naturally into your financial routine.
• Put your savings to work. If you keep savings with SoFi, check whether you qualify for the higher APY available to SoFi Plus members.
• Take advantage of financial guidance. Whether you have questions about budgeting, investing, saving, or paying down debt, connecting with a financial planner can help you put your money to work toward your goals.
• Stack your benefits. SoFi Plus can provide value across multiple areas of your financial life. Use the membership for savings, investing, credit card rewards, borrowing discounts, and other perks to get even more from your subscription.
• Explore the extras. Beyond core financial benefits, SoFi Plus offers discounts and experiences that can add even more value. Check the current lineup of offers so you don’t miss opportunities to save on financial tools, tax preparation, travel, and more.
The Takeaway
For a monthly fee, SoFi Plus can put a wide range of potential financial benefits and rewards at your fingertips. From earning more on eligible savings to getting investing matches, personalized financial guidance, and discounts on select products and services, the possible value can add up quickly.
If you already use SoFi—or are looking to bring more of your financial life under one roof—SoFi Plus may be a membership worth considering.
SoFi Plus is America’s most rewarding financial membership—all in one app.* Unlock extra savings, rewards, discounts, and more.
FAQ
Is it worth it to be a SoFi Plus member?
It could be worth it to be a SoFi Plus member when you’re able to use rewards that go beyond the $10 per month subscription price.
Is there a minimum balance requirement for SoFi Plus?
There is no minimum balance requirement for SoFi checking and savings accounts or for SoFi Plus.
Can I cancel SoFi Plus anytime?
You can cancel your membership anytime online or through the mobile app.
Can you get SoFi Plus without paying?
Currently, you can only get a SoFi Plus membership by paying the $10 per month membership cost.
How much does a SoFi Credit Card give you in cash back with SoFi Plus?
SoFi Plus members are eligible for rewards such as a 10% boost on cash back rewards earned through select SoFi credit cards.
Best reasons to enroll in a SoFi Plus subscription?
The best reasons to enroll in a SoFi Plus subscription include taking advantage of financial planning from SoFi professionals and benefiting from cost-saving rewards.
