A complete breakdown of Lovie's $29 one-time formation fee — what it covers, what state filing fees cost, why registered agent service is priced separately at $79/year, and what's coming soon at no extra charge.
By Omer Aydin ·
!Lovie Formation pricing breakdown
Formation pricing is usually where the confusion starts. A "$0 formation" that turns into $400 of add-ons in the cart. A bundle where you can't tell what the registered agent actually costs. A subscription you didn't realize you signed up for until the renewal hits.
Lovie's answer is deliberately simple: forming your company costs $29, one time, plus your state's filing fee. No subscription, no tiers, no renewal on the formation itself.
Here's exactly how the pricing works, what each piece costs, and how to think about the value honestly.
You describe your business through a chat interface. Lovie prepares your formation documents and submits them to the appropriate state. No forms to decipher, no state portal to navigate, no second-guessing whether you filed in the right jurisdiction.
That's the $29: document preparation and filing, guided by AI, for an LLC or C-Corp in any state. It's a one-time fee. You pay it once, your company gets filed, and you don't owe Lovie a monthly payment for having formed it.
Most formation services charge anywhere from $49 to several hundred dollars for this same step — or advertise $0 and make it back on add-ons.
Every state charges its own fee to file formation documents. Delaware charges $90 to file a Certificate of Incorporation. Wyoming charges $100 for an LLC. California charges $70.
These are government fees — no formation service can absorb them, and any service that claims filing is "free" is simply hiding them elsewhere. With Lovie, state fees are passed through directly to the state at cost. No markup, no processing surcharge.
So your real day-one total is $29 plus whatever your state charges. For a Wyoming LLC, that's $129. For a Delaware C-Corp, $119.
Every LLC or corporation in the United States is legally required to maintain a registered agent — someone with a physical address in your state of formation who can receive official legal and government correspondence on your behalf.
Lovie offers registered agent service at $79/year ($49/year in Wyoming). It's priced separately, on purpose.
Here's why that's the honest way to do it: a registered agent is a recurring annual obligation, not a formation task. Services that advertise the agent as "included" or "free" are either baking its cost into an inflated bundle or counting on you to miss the renewal price later — the classic year-one-free, $199-per-year-after pattern. A separate line item at a flat $79 means you know exactly what the ongoing cost is before you commit, and you can compare it directly against standalone agents (which typically run $100 to $300 per year).
Some founders want more than the filing — and some don't. Rather than forcing everyone into a bundle, Lovie offers optional extras at checkout, so you add only what you actually need. The base price stays $29 either way.
A few features are in active development: LLC-to-C-Corp entity conversion, compliance monitoring, and BOI reporting support. These are coming soon — and when they ship, they'll be included at no extra charge. They're mentioned here for transparency, not as something you're paying for today.
In the meantime, Lovie provides compliance guidance and deadline reminders so annual reports and franchise taxes don't creep past you while you're busy building.
Here's where Lovie does something no traditional formation service does.
Lovie connects to developer tools — Cursor, Claude, Windsurf — through the Model Context Protocol (MCP). That means when you're building in your IDE and you hit the point where you're ready to form a company, you can start the process right there, without switching tabs, without opening a separate portal, without telling yourself you'll deal with the legal stuff later.
You describe your business in the same environment where you're writing code. Lovie handles the formation from there.
I spent years practicing law before moving into legaltech, and the pattern I kept seeing was this: founders knew they needed to form a company. They just didn't do it yet. The friction between intention and action is where weeks and months disappear. Removing that friction isn't a minor convenience — it's the whole point.
Formation is an event, not a service you consume monthly. Charging a recurring fee for something that happens once creates the wrong incentive — it rewards the provider for making you feel dependent, and it punishes you for a decision you made a year ago.
So the model separates the two things that are actually different:
There's nothing to cancel, because there's no subscription. If you decide to stop using Lovie's registered agent service down the road, you arrange a replacement agent with your state — your company and its formation are yours regardless.
Lovie is designed for tech startup founders — specifically the person who is simultaneously writing code, talking to early users, and trying to figure out whether to form an LLC or a C-Corp before their first investor meeting.
It's not built for a 50-person company with a general counsel on staff. It's built for the founder who wants to move fast without getting buried in legal paperwork.
If that's you, $29 is not the hard decision. The hard decision is whether you form your company properly at all — and whether you do it now or keep pushing it off.
How much does Lovie Formation cost? $29, one time, plus your state's filing fee. The $29 covers AI-guided document preparation and filing with the state. Registered agent service is separate at $79/year ($49/year in Wyoming). Optional extras are offered at checkout.
Does the $29 cover state filing fees? No. State filing fees are government fees paid to the state and vary by state — Delaware charges $90 for a Certificate of Incorporation, Wyoming charges $100 for an LLC. Lovie passes them through at cost, with no markup.
Is there a monthly or annual subscription? No. Formation is a one-time $29 fee. The only recurring cost is the registered agent service, if you choose it, at a flat $79/year ($49/year in Wyoming).
Why isn't the registered agent included in the $29? Because it's an ongoing annual service, not a one-time formation task. Pricing it separately at a flat rate is more transparent than bundling it and burying the renewal cost — the pattern that catches most founders with "free first year" offers.
What is the MCP integration and why does it matter? The Model Context Protocol (MCP) integration lets founders start the company formation process directly from their IDE — Cursor, Claude, Windsurf — without switching contexts. It removes the friction between deciding to form a company and actually doing it.
Is Lovie Formation only for LLCs, or does it handle corporations too? Lovie handles formation across entity types, including the C-corp structure commonly used by venture-backed startups. The chat interface helps you describe your business and guides you toward the right structure.
How does Lovie compare to other formation services on price? Most services either charge a large one-time preparation fee or advertise $0 and recover it through add-ons and registered agent renewals at $125 to $300 per year. Lovie's $29 one-time fee plus a flat $79/year agent is straightforward to compare — there's no bundle to reverse-engineer.
Do I need legal knowledge to use Lovie Formation? No. You describe your business in a chat interface and Lovie handles the preparation and filing. It's designed for technical founders who want to move fast without becoming experts in state corporate law.
If you've been putting off forming your company because it feels like a detour from building, that's exactly the problem worth solving. The longer you operate without a legal entity, the more exposure you carry — and the more complicated it becomes to backfill the structure later.
At $29 one-time plus state fees, Lovie Formation is one of the lowest-friction ways to get this done properly. If you're already working in Cursor, Claude, or Windsurf, you can start the process without leaving your IDE.
Form your company. Then get back to building.
Form your company with Lovie — $29 one-time + state fees; registered agent $79/year.
