# Fruitful

> Fruitful is a US personal finance platform combining CFP professional guidance, a personalized Money Map, automated income allocation, cash accounts, a secured charge card and managed investments. It offers a free membership and a $999 annual Premium tier with additional guidance and enhanced benefits.

- **Founded:** 2021
- **Headquarters:** New York, United States
- **Founders:** Josh McManus (Co-founder; CEO at the 2022 funding announcement), Sam Lewis (Founder and current CEO, as identified in public interviews)
- **Products:** Money Map, Fruitful Guides, Fruitful Cash, Fruitful Card, Fruitful Invest
- **Notable:** Announced $33 million aggregate equity financing in June 2022, confirmed by its financing counsel., Named Best Financial Planning Platform in the 2025 FinTech Breakthrough Awards., Cash & Card received Best Banking Card Product at Tearsheet’s 2025 Big Bank Theory Awards.

## Products & services

- **Money Map** — Personalized income-allocation plan and automated system for bills, spending, savings goals and investing. Publicly unveiled in September 2025.
- **Fruitful Guides** — CFP professionals and investment adviser representatives who refine plans and help members implement them.
- **Fruitful Cash** — Cash accounts provided by Emigrant Bank; current advertised variable APYs are 3% for the free tier and 4% for Premium and eligible legacy tiers.
- **Fruitful Card** — Emigrant Bank-issued Mastercard secured charge card linked to cash; current free-tier rewards are 1%, with 2% for Premium and qualifying legacy members.
- **Fruitful Invest** — Diversified, primarily ETF and index-fund portfolios, automated rebalancing and tax-loss harvesting; first $10,000 has no management fee.
- **Premium** — $999/year after three included months, offering three ongoing guidance sessions per year, Guide messaging, enhanced cash and card benefits, and no investment management fees.

## Achievements

- Announced $33 million aggregate equity financing in June 2022, confirmed by its financing counsel.
- Named Best Financial Planning Platform in the 2025 FinTech Breakthrough Awards.
- Cash & Card received Best Banking Card Product at Tearsheet’s 2025 Big Bank Theory Awards.
- Publicly unveiled Money Map in September 2025.

## Latest updates

- **2025-09** — Money Map publicly unveiled; cash and card award announced.
- **2026-01** — Sam Lewis discussed income allocation, execution and CFP workflow technology on the Wharton FinTech Podcast.
- **2026-07** — Fruitful’s media page listed coverage of its outcome-focused product bundle in Fintech Takes/Finity.
- **2026-10** — Website checked October 4: free membership and $999/year Premium after three included months; this is a verification date, not an announced launch date.

## Links

- Website: https://www.fruitful.com/
- LinkedIn: https://www.linkedin.com/company/fruitful-co
- Twitter/X: https://twitter.com/hellofruitful
- Instagram: https://www.instagram.com/hellofruitful/
- Facebook: https://facebook.com/fruitfulhome
- TikTok: https://www.tiktok.com/@hellofruitful

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Profile page: https://yespress.io/fruitful
Published by YesPress — https://yespress.io
Last updated: 2026-10-04