If you're looking up Ivy pricing, you probably already know you need better protection online. The real question is whether Ivy is worth your money - or just another subscription that quietly renews while doing nothing useful.
Here's exactly what each plan costs, what you actually get, how it compares to the competition, and whether it makes financial sense in 2026.
What Does Ivy Actually Cost?
Ivy by IronVest offers two plans:
- Free: $0
- Ivy Pro: $10.99/month or $99/year
No credit card required to sign up. You can start with the free plan or go straight to Pro - either way, there's no commitment to get started.
What You Get on Each Plan
Ivy Free: $0
Free forever. Built to try Ivy and cover light everyday use:
- 5 masked email addresses
- 100K AI tokens / month for the Ivy security assistant
- Unlimited password storage with zero-knowledge encryption
- Cross-device sync across browser, iOS, and Android
- Virtual cards (live in US: 3 active cards)
- Breach monitoring & alerts
- Email and chat support
Ivy Pro: $10.99/month or $99/year
That works out to about $8.25/month with annual billing, or $10.99 month-to-month. Pro raises the limits most people need:
- 500 masked email addresses
- 950K AI tokens / month
- 2 masked phone numbers (US only, 100 calls/mo, 300 SMS/mo)
- Virtual cards (live in US: 12 active + 4 new/mo)
- Unlimited password storage with zero-knowledge encryption
- AI phishing protection that flags malicious sites before you click
- Cross-device sync across browser, iOS, and Android
- Priority support
For $10.99/month ($99/year), that's a lot of ground covered. If you shop online regularly, sign up for services, or have ever gotten a breach notification, Pro will handle most of what you need.
How Ivy Compares to the Competition
Most people piecing together privacy protection end up juggling 3 or 4 separate apps. Here's how Ivy's pricing stacks up against the tools you'd otherwise need:
| Tool | What It Does | Cost |
|---|---|---|
| Cloaked | Masked identities | ~$479.88/year ($39.99/month) |
| Privacy.com | Virtual cards only | Free tier limited; paid from $10/month |
| SimpleLogin | Email masking only | Free tier; premium ~$30/year |
| MySudo | Masked identity (US only) | Plans from ~$0.99–$14.99/month |
| Proton Pass | Password manager + email aliases | Free tier; paid ~$47.88/year |
| Ivy Pro | All of the above + AI phishing protection | $10.99/month ($99/year) |
The number that stands out: Cloaked charges $39.99 per month for a comparable feature set. Ivy Pro costs $10.99/month or $99 for the year.
And even if you cobbled together free tiers from SimpleLogin and Privacy.com and added a password manager on top, you'd still have no AI-powered phishing detection - nothing that stops a threat before you click. That's the capability none of these competitors offer, at any price.
Is Ivy Worth the Price?
The "Replace Multiple Tools" Math
Say you're currently paying for a password manager ($36/year), an email masking service ($30/year), and a virtual card tool ($120/year). That's already $186/year - and you still don't have phishing protection.
Ivy Pro at $10.99/month ($99/year) covers email masking, phones, passwords, and AI phishing protection in one place. Ivy cards are live in the US (Free: 3 active; Pro: 12 active + 4 new/mo), making Ivy the strongest single-subscription value vs. stacking a password manager + email alias tool + phone masking.
One Fraud Prevention Pays for Years
A single credit card fraud incident means hours on the phone, frozen funds, and updating your payment info across every subscription you have. One prevented incident more than covers years of Ivy's fee.
When Ivy's virtual cards launch, your real card number never needs to reach the merchant. If a site gets breached, you cancel the virtual card and generate a new one - your actual account stays untouched.
Who Should Choose Which Plan
Choose Ivy Free if you:
- Want to try Ivy without paying
- Only need a few masked emails to start
- Don't need masked phones yet
- Prefer to upgrade to Pro later if limits feel tight
Choose Ivy Pro if you:
- Need up to 500 masked emails for signups and vendors
- Want US masked phone numbers with call/SMS allowances
- Want higher AI capacity (950K tokens/month)
- Want priority support
What You Should Know Before Signing Up
Ivy cards are live in the US: Free plan includes 3 active cards; Pro includes 12 active + 4 new/mo with reload. ACH funding is fee-free. Credit or debit card funding costs 2.9% plus $0.30.
Your data is encrypted on-device: With zero-knowledge encryption, your passwords and masked identities are encrypted before they ever reach Ivy's servers. There's no central database of plaintext data - which means there's nothing useful to breach.
Zero-knowledge encryption: Ivy uses AES-256 encryption and a zero-knowledge architecture. That means even Ivy can't access your passwords or personal data. The platform is SOC 2 Type II certified and GDPR compliant - not just marketing badges, but third-party verification that the security practices are real.
No credit card required to start: You can sign up and explore Free before upgrading to Pro.
FAQs
What is Ivy's pricing in 2026? Ivy offers 2 plans: Free ($0) and Pro ($10.99/month or $99/year). No credit card is required to sign up.
What's the difference between Free and Pro? Free includes 5 masked emails and AI phishing protection. Pro adds 500 masked emails, 2 masked phone numbers (US only), and enhanced AI features. Ivy cards are live in the US on both plans (Free: 3 active; Pro: 12 active + 4 new/mo).
Is Ivy cheaper than Cloaked? By a lot. Cloaked charges $39.99/month - roughly $479.88/year. Ivy Pro costs $10.99/month or $99/year and includes AI phishing protection that Cloaked doesn't offer.
Does Ivy charge fees for virtual card funding? ACH funding is free. Funding with a credit or debit card costs 2.9% plus $0.30 per transaction.
Can I use Ivy on multiple devices? Yes. Ivy works across browser extensions, iOS, and Android, with cross-device sync included on both plans.
Is my data safe with Ivy? Ivy uses zero-knowledge encryption with AES-256 - your data is encrypted on your device before it ever leaves. Even Ivy can't access your passwords or personal information. The platform is SOC 2 Type II certified and GDPR compliant.
Does Ivy replace a password manager? Yes. Ivy includes unlimited password storage with zero-knowledge encryption, so it can replace a standalone password manager. It also goes further - actively flagging phishing attempts and masking your identity, which no password manager does.
Final Verdict
At $10.99/month ($99/year) for Pro, Ivy costs less than what most people already spend on a single privacy tool - let alone 3 or 4. The AI phishing detection is what separates it from everything else in this space; no competitor offers it at any comparable price.
If you're managing multiple privacy tools or you've had a breach notification in the past year, Ivy is worth a serious look.
Get started at getivy.ai.