AI-powered personal finance

Track your finances for free.

Optimize them when it matters.

Start with free budgeting and spending tracking. When you have a real financial decision to make — selling appreciated stock, converting to Roth, rebalancing your portfolio — FinAdvisor calculates the exact dollar answer from your actual account data.

Free: budgeting, dashboard, net worth

Pro: investment analysis, capital gains timing, tax optimizer

Try demo

Pro from $9.99/mo founding rate · 7-day free trial · US residents only

Two tiers, one platform

Start free. Upgrade when the stakes are high.

Most people start with the free tier to understand where their money goes. When they face a real financial decision, they upgrade for the specific dollar answers.

Free forever

Understand your complete financial picture

Connect your accounts and see exactly where you stand — spending, net worth, debt, emergency fund — without paying anything.

✓Dashboard with net worth tracking
✓Real transaction budgeting — 12 categories
✓Spending vs plan comparison
✓Emergency fund calculator
✓Debt payoff calculator
✓Plaid bank connection

Pro — from $9.99/mo

Get specific dollar answers to high-stakes decisions

When you have appreciated stock, a major purchase coming up, or retirement on the horizon — FinAdvisor calculates exactly what each decision costs.

✓Investment analysis — concentration risk, rebalancing scenarios
✓Capital gains timing — exact savings across tax years
✓Tax optimizer — bracket headroom, Roth conversion room
✓Big purchase planner — home, car, boat
✓Credit card optimizer
✓State-specific rates: MA surtax, NIIT

Why Pro users pay

$12,000

Typical NIIT savings from staging a $300k capital gain across two tax years — a calculation most apps cannot make

$38,600

Average unused Roth conversion room for a couple earning $145k MFJ — opportunity missed every year without the right tool

$6,000+

Hidden tax cost of funding a $45k purchase from a brokerage — most people guess, FinAdvisor calculates from your actual cost basis

How we are different

Other tools identify the issue.
FinAdvisor calculates the answer.

The difference between "you have concentration risk" and "here is exactly what it costs to fix it, in dollars, over three years."

vs general AI financial tools

"Your portfolio has concentration risk — consider speaking with a financial advisor."

FinAdvisor: "Reducing your largest position by 30% over 3 years costs $X in taxes — here is the optimal schedule and exact savings vs selling today."

vs portfolio optimization apps

"Your benchmark calls for 44.7% bonds. Cost basis data not available."

FinAdvisor: "Cost basis pulled automatically from your brokerage. Here is the exact tax cost of rebalancing — and the multi-year schedule that minimizes it."

vs spending trackers

"You spent $3,200 on housing last month."

FinAdvisor: "You have $38,600 in unused Roth conversion room this year. Converting now costs $8,492 and saves an estimated $47,000 over 20 years."

vs a CPA / traditional financial advisor

"Schedule a $300/hour consultation to discuss your capital gains strategy."

FinAdvisor: "Your capital gains analysis is ready at 9:47pm on a Tuesday. No appointment. No hourly fee."

Pricing

Start free. Upgrade when it pays off.

One good capital gains timing decision pays for years of Pro.

Free

$0 forever

Track your finances and understand where you stand.

✓Dashboard and net worth
✓Transaction budgeting
✓Financial profile
✓Plaid bank connection
✗Investment analysis
✗Capital gains timing
✗Tax optimizer

Get started free

187 founding slots left

Founding Pro

$9.99 / mo, locked forever

Full access at the founding rate — never increases regardless of future pricing.

✓Everything in Free
✓Investment analysis
✓Capital gains timing
✓Tax optimizer
✓Big purchase planner
✓Credit card optimizer
✓7-day free trial

Start 7-day free trial

Pro

$19.99 / mo

Full access at standard pricing after founding slots close.

✓Everything in Free
✓Investment analysis
✓Capital gains timing
✓Tax optimizer
✓Big purchase planner
✓Credit card optimizer
✓7-day free trial