Smarter money, starts here.
Finvy is the AI debt 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 a $610 surplus before Friday's paycheck. Approving this saves $4,200 in interest and ends your card debt 18 months sooner.
Planning apps tell you what to do. Finvy does it.
Most budget apps stop at advice. Finvy is the only platform that pairs AI debt intelligence with direct payment execution.
Finvy watches your accounts 24/7 and flags safe extra-payment opportunities, never breaching your buffer.
Approve the recommendation, we initiate the payment via our BaaS partner. Free ACH, 3 to 5 day posting.
Pick a strategy or let our AI-Hybrid blend interest savings with momentum wins.
Plaid for account access, AES-256 at rest, TLS 1.3 in transit, biometric login on supported devices.
Couples and families coordinate one source of truth, with per-member permissions.
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 a surplus appears, we surface it. You tap once. We pay your highest-impact debt.
Pick a plan, lock in your timeline.
- Manual debt entry (up to 3)
- Snowball & avalanche planning
- Financial Health Score
- Educational library
- Plaid account linking
- AI surplus detection
- Direct ACH payment execution
- Smart notifications (40-trigger engine)
- Shared budgets
- Everything in Pro
- SSO + admin dashboard
- Cohort analytics & ROI reporting
- White-label option
- Dedicated CSM
Real answers, no fine print.
Does Finvy move money without my permission?
No. Every payment requires your explicit approval. We will never auto-debit beyond your stated rules.
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. We use Plaid for bank links, AES-256 encryption at rest, TLS 1.3 in transit, and we never sell user data.
Can I cancel anytime?
Yes. One tap in settings, 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.