Fee Finder
Counted into your plan, not hidden
Fees per year
$306
That's $19.88 a month — about 2% of your yearly paychecks.
$162 of it is avoidable
Where they hide
- Credit card interest$7.89/mo
Carrying $380 at 24.9% APR. Paying $70/mo instead of $35 clears it much faster.
Avoidable - Overdraft risk$35/yr risk
One overdraft at Harbor Bank costs $35. Keeping a $50 cushion in checking avoids it.
Avoidable - Music streaming$11.99/mo
Small, but $144 a year. Keep it if you use it — just count it.
- Pay-later late fees$32/yr risk
One missed pay-later plan can add up to $32 in fees. RIZE flags these before you tap accept.
Avoidable
Counted in your plan
On Plus, these fees are part of every calculation: your Flex Cash, your Should I Buy It score and your goal pace all assume the fees above keep happening — until you cut them.