Questions and answers

Yes. Everything you can enter by hand is free, with no ads and no data selling. Bank sync is the Pro feature, and it's included free for everyone during early access. When billing starts we'll give notice, and the free features stay free.

Pro is $5.99 a month or $49 a year. It's automatic bank sync: connections through Plaid, a nightly refresh of balances and transactions, debts imported with their real APR and minimum payment, and transactions that arrive with merchant names and categories. Everything else in the app is in Free.

Because it's the one feature that costs us money every month. Plaid charges per connected institution, and Pro covers that. Nothing we build ourselves is behind the paywall.

We're in early access, so Pro is included free for everyone right now. Before billing starts we'll give notice in the app and by email. If you don't subscribe then, your bank connections pause and everything already synced stays in your account as regular data you can keep editing by hand.

No. The free tier is the product, not a trial. Pro only adds the things that cost us money to run.

Yes. Once billing exists you'll be able to cancel from settings at any time and keep using the free features with all your data.

So you can decide whether it's worth it later. $5.99/mo or $49/yr is what Pro will cost. Early access is free because the app isn't finished, not because the price is undecided.

Avalanche pays the highest interest rate first and costs the least overall. Snowball pays the smallest balance first and gives you wins sooner. The calculator shows both with the dates and the interest, so you can choose with numbers rather than a rule of thumb.

Each debt is planned around one stable monthly amount. If you've set a planned payment, that wins. For a synced card, the app applies the issuer's own minimum rate to today's balance. If the bank's minimum was captured during a grace period and wouldn't even cover the interest, it plans 1% of the balance plus a month of interest instead, so the balance actually shrinks. Loans use the bank-reported payment, your manual entry, or the amortized figure from the loan terms. A card with nothing else gets the 1% plus interest estimate, with a $25 floor.

If a payment can't cover the interest a balance earns in a month, the balance grows even though you're paying. The Debts page names those debts and the calculator flags them, so you can raise the payment before the plan runs on numbers that never end.

Credit cards, with promotional APRs and their end dates, credit limits, and statement balances. Mortgages, with escrow, property tax, insurance, and PMI. Auto loans, with a VIN lookup that fills in year, make, and model. Student loans, personal loans, and anything else with a balance and a rate.

Yes. The calculator shows both strategies with the payoff date, total interest, and interest saved, a balance chart, and a month-by-month schedule you can download as CSV.

Yes. When a debt is cleared, its payment joins the extra and moves to the next target automatically. That rollover is what makes the date move as fast as it does.

Connections go through Plaid, the same service most banking apps use. You sign in on Plaid's screen, so your bank password never reaches us. We receive balances and transactions, refresh them nightly, and you can disconnect from settings at any time.

Yes. The iPhone app reads Apple Card, Apple Cash and Apple Savings straight from Wallet through Apple's FinanceKit, with no bank login. Open Settings, then Connected Institutions, and tap Connect Apple Wallet; iPhone asks which accounts to share. The card comes in as a debt with its balance, credit limit and minimum due, Cash and Savings as accounts, and every purchase with the merchant's name. It updates each time you open the app, and shows on the web too. Needs iOS 17.4 or later and Pro.

Accounts and balances, transactions with merchant names and categories, and for cards and loans the APR, minimum payment, statement balance, last payment, and next due date. Investment accounts come in with their balances for net worth.

Any institution Plaid supports, which covers most US banks, credit unions, card issuers, and loan servicers.

Every night, for every member of your household, plus a Sync button whenever you want it now.

The app checks for likely matches when you import from a bank and offers to link the synced account to the debt you already have. You can also link or unlink from the account's own menu.

Settings, then Institutions. Disconnecting removes the connection at Plaid as well, so nothing keeps syncing in the background. The transactions and debts you already have stay as regular data.

Yes. My AI Fin App has a connector (an MCP server) that lets an AI assistant read your data with exactly the access you have in the app, and tidy your transactions if you allow it. Set it up under Settings, Assistants. It is part of Pro.

Anything that speaks MCP. Claude Code, Claude Desktop and Cursor use a personal access token you create in Settings. claude.ai and ChatGPT custom connectors sign in with your My AI Fin App account instead of a token, and you can see and disconnect them under Settings, Assistants. ChatGPT uses the same sign-in flow as claude.ai but we have not tested it end to end yet; if it will not connect, tell us through the contact page.

How you are doing this month, spending by category, merchant or month, what subscriptions you pay for, when your debts are paid off under different strategies, whether you will be short before payday, your net worth over time, what bills are coming up, and anything else the data can answer. Ask the assistant "what can you do with my finances?" and it will list everything.

Only with a read and write token, and only in four ways: categorise transactions, mark transfers and reimbursements so they do not count as spending, add a note to a transaction, and set a category budget. It can never link a bank, add or edit accounts, debts or goals, move money, or delete anything.

The same data your own sign-in can read in the app, including shared household data, and nothing more. The connector runs every query as you, under the same row-level security the app uses. A token acts as you, so treat it like a password: it is shown once, and you can revoke it in Settings the moment you stop trusting the device it lives on.

Which tools were called and whether they worked, for 90 days, so we can see what is used and what fails. We never record what you asked, the text of any SQL (only which tables it read), amounts, or the data returned. You can see your own recent activity under Settings, Assistants.

An assistant could once record a one-sentence, detail-free description of something it could not do with your data, if you switched this on. The feature is paused: nothing new is recorded. Anything saved earlier is listed in Settings → Assistants, where you can delete it.

Revoke or delete its token under Settings, Assistants. It stops working immediately. For claude.ai or ChatGPT, also remove the connector in that assistant's settings.

No. AI assistant access is included in Pro, alongside bank sync. During early access everyone has Pro.

Synced transactions arrive with a category from your bank's data, mapped to the app's categories. The ones the app isn't confident about go to a review queue where you confirm or change them. Manual transactions you categorize as you add them, and rules take care of the rest.

A rule says that anything from this merchant goes in this category. Create one when you correct a transaction and it applies to every future match, and optionally to the past ones too.

Your category budgets for the month minus what you've spent so far, with a per-day figure for the days that are left.

Paydays and bills placed on the days they happen, with the running balance, so you can see the tight weeks before they arrive.

Annual expenses are bills that come once or twice a year, like insurance, registration, or a yearly subscription. Sinking funds are the monthly amounts you set aside so those bills and big purchases are already paid for when they arrive. Both show up in the budget spread across the months.

Yes. Subscriptions and regular bills are detected from your transactions and listed together, so you can see what you pay every month and catch the ones you forgot about.

Yes. Create a household and invite them by email. You'll share debts, budget, goals, and transactions, and each member's bank connections feed the same picture. Roles keep it clear who can change what.

Owners run the household: invitations, members, and settings. Members can add and edit debts, accounts, transactions, and goals. Viewers can see everything and change nothing.

No.

Not today. A household shares its data, and each debt and account is labeled with who it belongs to. If you have finances that need to stay private, keep them in a separate account outside the household.

Yes. Each member connects their own institutions, and the nightly refresh covers everyone.

A note thread on any transaction, visible to the household. Useful for "that was the vet, not groceries".

Encrypted in transit and at rest, hosted on Supabase with row-level access rules so a household's data can only be read by that household. Bank connections go through Plaid, and we never see your bank password.

No and no. Our revenue is Pro subscriptions, not you.

Yes, with an authenticator app. Settings also shows your sign-in history and active sessions, and lets you sign out other devices.

New passwords are checked against known breaches and rejected if they've been exposed.

Yes. An eye button masks every amount on the device you're using, for opening the app in public.

Yes. Export everything as CSV from settings, and delete your account from the same place when you want it gone.

Your account and its financial data are removed and can't be recovered. Disconnect your banks first from settings if you want to be sure nothing stays linked at Plaid.

You can install it from your phone's browser today and it works like an app, with its own icon and full screen. Native App Store and Google Play builds are in progress.

Open myaifin.app in Safari on iPhone or Chrome on Android, tap Share or the browser menu, then Add to Home Screen.

Once installed it opens without a connection and shows the last data it loaded. Saving changes needs a connection.

Yes. It follows your system setting, or you can pick light or dark in settings.

Current versions of Safari, Chrome, Firefox, and Edge, on desktop, tablet, and phone.