AI-powered financial advice, available 24/7

Your personal CFO,
powered by AI

Connect your bank accounts and get personalized financial advice, investment analysis, and tax strategies — in plain English.

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No credit card required  ·  Cancel anytime  ·  US residents only

Net Worth
$284,500
↑ $12,400 this year
Monthly Savings
$2,840
23% of income
Investment Return
+14.2%
vs 10.1% S&P 500
AI Advisor
I have $180k in unrealized gains — what's the most tax-efficient way to fund my down payment?
With $180k in gains at your income level, selling everything in one year would push you into the 20% LTCG bracket plus 3.8% NIIT. Staging the sale across two tax years saves approximately $8,400. Using your $20k cash first reduces the shares sold. Your Massachusetts surtax threshold is also a factor — let me show you the full breakdown.

Everything your finances need,
nothing they don't

FinAdvisor replaces five different apps with one intelligent platform that actually understands your situation.

Budgeting & Planning

Track every dollar automatically. See where your money goes, set spending targets, and get AI suggestions that fit your life — not just your spreadsheet.

AI Chat Assistant

Ask anything about your finances. Get clear, personalized answers backed by your real account data — from "am I saving enough?" to complex tax questions.

Investment Advisor

See your full portfolio across brokerages and retirement accounts. AI-powered allocation recommendations, rebalancing alerts, and performance benchmarking.

Tax Optimizer

Year-round tax optimization, not just at filing time. Roth conversion opportunities, tax-loss harvesting, HSA maximization — explained in plain English.

Credit Card Optimizer

Maximize rewards and minimize interest. Find the best card for your spending patterns, identify balances to pay down first, and never leave points on the table.

Big Purchase Planner

Thinking about buying a house or a car? Get a detailed financial analysis of how any major purchase affects your budget, net worth, and long-term goals before you commit.

Up and running in minutes

No spreadsheets. No manual data entry. Just connect and get answers.

1

Connect your accounts

Securely link your bank, brokerage, and credit card accounts using Plaid's bank-grade encryption. Takes about 2 minutes.

2

Get your financial snapshot

FinAdvisor automatically builds your complete financial picture — net worth, cash flow, investment performance, spending patterns.

3

Ask anything, act on advice

Chat with your AI advisor or explore auto-generated insights for your budget, investments, taxes, and big purchases.

Founding member pricing

Lock in your rate forever. First 200 members get founding pricing — never pay more as we grow.

Founding member offer — first 200 users only. Lock in your rate and it stays yours forever. After 200 founding members, standard pricing applies: $14.99/month or $119/year.

After 200 founding members, standard pricing is $14.99/month or $119/year.
Cancel anytime. 7-day free trial on all plans.

Most finance apps tell you what happened.
FinAdvisor tells you what to do.

Know exactly how much to convert

See your precise Roth conversion room before hitting the next tax bracket — calculated from your actual income, deductions, and state tax rate. Most users discover $50,000–$100,000 in conversion opportunity they didn't know existed.

The real cost of selling stock

Planning to fund a down payment from your brokerage? FinAdvisor calculates the exact federal LTCG, NIIT, and state tax — and shows whether staging the sale across two years saves you money.

Every financing path, ranked by true cost

Buying a house or car? See every funding option — cash, brokerage liquidation, 401k loan — ranked by actual tax cost with opportunity cost included.

Portfolio flags with tax context

Identifies concentration risk, high-fee duplicates, and asset location errors. Every suggested change includes whether it triggers a taxable event — and at what rate.

Your complete tax reduction playbook

401k headroom, HSA opportunity, 0% capital gains bracket, MA millionaire surtax planning, IRMAA thresholds — all calculated from your actual numbers, not generic benchmarks.

Ask anything, get answers about your money

Not generic financial advice. Every answer references your actual accounts, balances, and tax situation. Ask "should I sell my AMD position this year?" and get a real answer.

Be one of the first 200

Founding members lock in $9.99/month forever — even as we add more features and standard pricing rises. Shape the product with direct feedback and early access.


Claim your founding member spot

7-day free trial · No credit card required · Cancel anytime

Common questions

How does the AI credits system work?
Pro plans include 100 AI credits per month that reset on the 1st. Each analysis uses a small number of credits — investment analysis uses 5, other modules use 3–4, and chat messages use 1. The vast majority of users use fewer than 30 credits per month and never hit the limit. Credits do not roll over month to month.
What happens when I run out of credits?
You'll see a notification and your credits reset automatically on the 1st of the following month. You can still access all your data, dashboards, and goals — only new AI analysis is paused.
Do unused credits roll over?
Credits reset on the 1st of each month and do not roll over.
Is FinAdvisor a licensed financial advisor?
No. FinAdvisor is an educational analysis tool, not a licensed investment adviser. All analysis is for informational purposes only. Consult a qualified financial professional before making major financial decisions.
Can I cancel anytime?
Yes — cancel anytime from your account settings. You keep access until the end of your current billing period. Founding member pricing is locked for as long as you remain subscribed.
How is my financial data protected?
Your data is encrypted at rest using AES-256 and in transit using TLS 1.3. Bank connections are read-only via Plaid — FinAdvisor can never move or access your money. We never sell your data.
Is FinAdvisor available outside the US?
Currently FinAdvisor is available for US residents only. Bank connections, tax calculations, and investment benchmarks are built for US financial accounts and regulations.

Start making smarter
financial decisions today

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