How Much Is the SoFi Plus Subscription Fee?
By Austin Kilham | Updated August 18, 2026
We can all use a little help when it comes to meeting financial goals. For a monthly subscription fee of $10, SoFi Plus Membership is designed to help you take control of your finances while boosting your bottom line.
Subscribe to SoFi Plus today.
- Key Points
- • The SoFi Plus membership costs $10 per month or $120 annually, offering a suite of banking, investing, borrowing, and rewards benefits designed to boost financial health overall.
- • When considering any premium financial membership, the service is generally worthwhile if the monetary value of the specific perks you actively use exceeds the annual subscription cost.
- • Utilizing expert, one-on-one financial planning sessions can significantly boost financial health by helping you build personalized strategies for budgeting, investing, and paying down debt.
- • To truly maximize any financial platform or membership tool, it is recommended that you actively integrate the available features directly into your existing personal financial plan.
- • Bundling your banking, investing, and borrowing needs into one central location is designed to give you more holistic control over your financial life and streamline smarter decision-making.
What Is a SoFi Plus Membership?
A SoFi Plus membership is a monthly subscription that offers a suite of benefits and discounts that can help you invest, see more on savings, and receive eligible SoFi rewards programs. SoFi Plus premium banking service members can also receive discounts on fees and other things when borrowing for home loans, student loans, personal loans, and student loan refinancing.
Visit the SoFi Plus page for details on specific membership and promotional offerings.
Benefits of SoFi Plus
SoFi Plus offers a range of benefits. Membership rewards include:
• Savings: Savers earn 4.50% APY on up to $20,000 in a single savings account. Savings on all other balances can earn 3.10% APY.
• Advice: Users have unlimited access to one-on-one sessions with financial planners who can help build personalized strategies for budgeting, paying down debt, savings, and investing.
• Investing: Investors may receive a 1% match on eligible deposits into non-retirement SoFi Invest accounts. What’s more, investors may have preferred access to IPO allocations. And to keep up with investment news, SoFi Plus members may receive 40% off CNBC.
• Borrowing: Borrowers may receive discounts on home loan origination fees, personal loans, student loans, and student loan refinancing.
• Additional rewards: Users receive a 10% boost on cash back rewards earned through select SoFi credit cards, 5% cash back rewards points on SoFi Travel bookings (excluding airfare), and twice the rewards points on qualifying account activity.
• Additional Discounts: Users also receive a 50% discount on Hello Privacy, a digital privacy and data removal service. Users get $200 off trusts from estate planning platform Trust & Will, 20% off and more with tax preparation software TurboTax. They also get a discounted Care.com subscription, an online marketplace that connects families with caregivers for child care, senior care, pet care, housekeeping, and tutoring, as well as a $50 Rakuten welcome bonus.
• More fun: In addition to financial tools, users are eligible for SoFi Plus Experiences, 10% off tickets with ticket exchange platform Vivid Seats, and $20 reward on dining with Seated.
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What Is the Cost of a SoFi Plus Membership?
The SoFi Plus Membership is $10 per month, or $120 per year, based on the initial date of the subscription.
Example Use Case of SoFi Plus Benefits
It may be useful to see how SoFi Plus benefits could work in action. Imagine a user with $20,000 in savings who spends about $2,000 per month on their SoFi credit card and deposits $500 per month into their non-retirement SoFi Invest account. They also plan to buy a home this year and need some occasional financial planning advice. Here’s a look at how their SoFi Plus benefits might add up:
• Savings: Their $20,000 earns 4.50% APY, or about $900/year.
• Invest match: A 1% match on their $6,000 in annual deposits is about $60.
• Credit card boost: The 10% rewards boost on $24,000/year in spending with their rewards credit card is about $48 in extra rewards.
• Mortgage discount: When they buy their home with a SoFi mortgage, they save an extra $500 off origination fees.
• Financial planner: They schedule two planning sessions (valued at approximately $300 each) to prep for homeownership, a $600 value.
Total single-year estimated value: About $2,100, compared to the $120/year subscription cost.
When Is SoFi Plus Worth It?
A SoFi Plus membership is $120 per year. When you’re able to use rewards that go beyond the subscription price, membership may be worthwhile to you.
For instance, a one-on-one session with a financial advisor is an estimated $300 value, so if you only use this perk once, you can recoup the value of the membership. You’re entitled to unlimited sessions with financial advisors, so the more you take advantage of this perk, the more value you may receive.
Other benefits can also help make membership fees worth it. For instance, holding $3,000 in a SoFi Savings account when you have a SoFi Plus subscription earns you an estimated $135. And the more you save, the more opportunities you have to earn.
Recommended: Rewards Checking Account
Tips to Maximize SoFi Plus Benefits
To maximize your SoFi Plus Benefits, use the features that make sense for your financial plan as much as possible.
SoFi Plus Member Calculator
Get a sense of just how much you can get out of a SoFi Plus membership with our SoFi Plus Membership Rewards Calculator. It helps you customize the membership value based on your expected use of savings, investments, credit card spending, and financial planning needs.
The Takeaway
SoFi Plus is designed to give you more control over your financial life, combining higher savings rates, investment matching, expert financial advice, and borrowing discounts all in one membership. For just $10 a month, it offers a way to help boost your savings, grow your investments, and make smarter financial decisions, all while potentially saving more than the cost of the subscription itself.
SoFi Plus is America’s most rewarding financial membership—all in one app.* Unlock extra savings, rewards, discounts, and more.
FAQ
Is SoFi Plus worth it?
SoFi Plus seems to be worth it for users who are able to take advantage of benefits worth more than the $120 yearly membership fee.
What are common benefits of a SoFi Plus subscription?
Common benefits of the SoFi Plus membership include higher savings rates, investment matching, expert financial advice, and borrowing discounts.
How much is a SoFi Plus subscription per month?
A SoFi Plus subscription is $10 per month.
What is a SoFi Plus membership?
A SoFi Plus membership is a monthly subscription that offers members a suite of benefits, including discounted borrowing and higher savings rates. A 10% reward boost can help users maximize credit card rewards.
What is the difference between a SoFi Plus and Robinhood Gold subscription?
The Robinhood Gold Subscription is a premium membership program that focuses largely on tools and benefits for investors. SoFi Plus, by contrast, potentially provides more benefits for savers.
Is the SoFi Plus membership free?
While the SoFi Plus membership is not free, many SoFi products are. For instance, the high-yield savings account has no monthly maintenance fees, no minimum balance fees, and no overdraft fees.
