Ivy Pricing in 2026: Is the All-in-One Security Copilot Worth It?

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 2 paid plans:

• Ivy Pro: $39/year
• Ivy Ultimate: $99/year

No credit card required to sign up, and both plans include a 14-day money-back guarantee. There's no monthly billing option, so you're paying annually - but at these prices, that's not much of a commitment.

What You Get on Each Plan

Ivy Pro: $39/Year

That works out to roughly $3.25/month. For that, Pro covers the core protection most people actually need:

• 50 masked email addresses to keep your real inbox private
• 35 one-time-funded virtual cards for online shopping
• 1 masked phone number to block spam calls
• Unlimited password storage with biometric authentication
• AI phishing protection that blocks malicious sites before you click
• Cross-device sync across browser, iOS, and Android
• Email and chat support

For $39, 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.

Ivy Ultimate: $99/Year

Ultimate is built for heavier use - families, small business owners, or anyone who needs more room to work:

• Unlimited masked emails - no cap
• Unlimited reloadable virtual cards (not just one-time-funded)
• Advanced AI assistant for deeper threat analysis
• Priority support
• Early access to new features
• Family sharing

The gap between Pro and Ultimate is $60/year. If you're managing vendor signups for a small business or want to extend protection to your family, that difference disappears fast.

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:

The number that stands out: Cloaked charges $39.99 per month for a comparable feature set. Ivy Pro costs $39 for the entire 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 Ultimate at $99/year replaces all of it. That's not a rounding error; it's a real saving.

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.

With Ivy's virtual cards, your real card number never reaches 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 Pro if you:

• Shop online regularly and want virtual cards for purchases
• Sign up for newsletters, free trials, or services and want to protect your real email
• Have dealt with spam, phishing attempts, or breach notifications
• Want AI protection without managing multiple apps

Choose Ivy Ultimate if you:

• Run a small business and need unlimited masked emails for vendor signups
• Want to share protection across your family
• Need reloadable virtual cards rather than one-time-funded ones
• Want priority support and early access to new features

What You Should Know Before Signing Up

Funding virtual cards: ACH funding is free. Funding with a credit or debit card costs 2.9% plus $0.30 per transaction. If you plan to load cards often, ACH is the smarter move.

Biometrics stay on your device: Your face or fingerprint data never leaves your phone. There's no central biometric database - which means there's nothing to breach. That's a meaningful difference from how most apps handle authentication.

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 before committing to anything. With a 14-day money-back guarantee, there's no real risk in trying.

FAQs

What is Ivy's pricing in 2026? Ivy offers 2 plans: Ivy Pro at $39/year and Ivy Ultimate at $99/year. No credit card is required to sign up, and both plans come with a 14-day money-back guarantee.

What's the difference between Ivy Pro and Ivy Ultimate? Pro includes 50 masked emails, 35 one-time-funded virtual cards, 1 masked phone number, and AI phishing protection. Ultimate adds unlimited masked emails, unlimited reloadable virtual cards, an advanced AI assistant, priority support, and family sharing.

Is Ivy cheaper than Cloaked? By a lot. Cloaked charges $39.99/month - roughly $479.88/year. Ivy Pro costs $39 for the full 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 biometric authentication, so it can replace a standalone password manager. It also goes further - actively blocking phishing attempts and masking your identity, which no password manager does.

Final Verdict

At $39/year for Pro and $99/year for Ultimate, 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, paying more than $39/year for any one of them, or you've had a breach notification in the past year, Ivy is worth a serious look.

Get started at getivy.ai.