Smarter money, starts here.
Finvy is a debt payoff accelerator that finds safe extra-payment opportunities before payday, and lets you approve them in one tap. The average Pro user trims 8 months from their payoff timeline.
Your checking has an extra $610 before Friday's paycheck. Approving this saves $4,200 in interest and ends your card debt 18 months sooner.
Millions drowning in debt. Finvy changes the equation.
Planning apps tell you what to do. Finvy tells you exactly what to pay.
Most budget apps stop at general advice. Finvy turns your real balances into a specific next payment: which debt, how much, and when.
Finvy watches your accounts around the clock and flags safe chances to pay extra. Your safety buffer stays untouched.
Approve a recommendation in one tap and Finvy records it in your plan. You make the payment with your lender or your bank's bill pay. Finvy never moves your money.
Pick a strategy or let our AI-Hybrid blend interest savings with momentum wins.
Read-only bank connections through Plaid, extra AES-256 encryption for those connections, encryption in transit and at rest, and optional two-factor sign-in.
An AI assistant grounded in your real-time financial data, with quantified answers in plain English.
From signup to first payment in under 3 minutes.
Plaid links your checking, credit cards, loans, and mortgages. Manual entry available too.
Total balance, weighted APR, projected payoff date, and the exact months you can shave off.
When extra money appears, we surface it. You approve it in one tap, then pay your highest-impact debt with your lender.
Pick a plan, lock in your timeline.
- Connect 1 account with Plaid: a bank account, card, or loan
- Add as many debts as you like by hand
- Snowball and Avalanche payoff plans with your debt-free date
- Payment suggestions in the days before each payday
- Your Financial Health Score
- Finvy Coach: 5 AI messages a month
- Everything in Basic, plus:
- Connect unlimited accounts with Plaid
- Balances and debts that update from every connected account
- AI-Hybrid payoff strategy
- Finvy Coach: 99 AI messages a month
- Everything included in Finvy Pro
- Single Sign-On (SSO) integration
- Administrative dashboard
- Employee engagement analytics and ROI reporting
- Optional white-label branding
- Dedicated Customer Success Manager
Real answers, no fine print.
Does Finvy move my money?
No. Finvy never moves money or debits your accounts. Approving a recommendation records the payment in your plan; you make the payment with your lender or your bank's bill pay.
How does Finvy stay below my safety buffer?
Every recommendation is checked against your configured buffer ($25 to $50 default). If your balance dips, recommendations are paused automatically.
Is my data safe?
Yes. Bank links go through Plaid and are read-only, your data is encrypted in transit and at rest, and we never sell user data.
Can I cancel anytime?
Yes. Cancel from Account, then Billing, with no support call required. Access continues to the end of your billing period.
Which devices are supported?
Finvy is a Progressive Web App that installs on iOS, Android, Windows and macOS. Same codebase, same experience.