AI debt acceleration

Debt-free in years,
not decades.

Finvy spots safe extra-payment opportunities before payday and applies them in one tap. The average Pro user trims eight months from their payoff timeline.

No credit card requiredCancel any timePlaid-secured

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8
Months trimmed
Average payoff acceleration on Pro
$2,400
Saved per year
Average interest avoided
3 min
Setup time
From signup to first recommendation
How it works

Three steps from sign-up
to your first surplus payment.

No long onboarding. No spreadsheets. Finvy turns your accounts into a plan within the same session you signed up in.

01

Connect or enter

Link your checking and credit accounts via Plaid, or punch in your debts manually. The whole thing takes under three minutes.

02

Map the cash flow

Finvy reads your real balances, interest rates, and pay schedule. The recommendation engine watches for safe extra-payment surplus before every payday.

03

Approve in one tap

When a surplus appears, the dashboard surfaces the exact debt to target and the exact dollars to send. One tap and the ACH leaves your account.

“Most apps tell you what to do. Finvy does it. One tap, one cleaner balance sheet at a time.”

Built for people who tried budgeting and it did not stick
Plans

Pick the tier that fits today.

All three plans run on the same AI engine. The differences are in what gets automated, who supports you, and how money actually moves.

Finvy Basic
$0Free, forever
Plan your payoff manually. No bank link required.
  • Manual debt entry, up to 3 debts
  • Snowball and Avalanche planning
  • Financial Health Score
  • Educational library access
Start free
Most popular
Finvy Pro
$9.99per month, after trial
The full AI engine: live bank balances, surplus detection, one-tap payments.
  • Plaid bank linking and live balances
  • AI surplus detection every day
  • One-tap ACH payments to highest-impact debt
  • Finvy Coach trained on your numbers
  • Smart alerts (40-trigger engine)
  • Shared budgets for couples and families
Start your 7 day trial
No credit card. Cancel any time.
Finvy Enterprise
Customper seat, per month
For benefits teams offering Finvy to employees. Volume pricing and admin tools.
  • Everything in Pro
  • SSO and admin dashboard
  • Cohort analytics and ROI reporting
  • White-label option
  • Dedicated customer success manager
Talk to sales

Your debt has a deadline now.

Seven days of the full Pro experience. See the math, feel the momentum, and decide.

Start your 7 day trial