AI that understands your money. And why you spend it.
PsyFi is an AI financial coach. It reads your accounts, shows why you spend the way you do, and builds a plan to match.
2 minutes. No account needed.
Read-only connections. PsyFi can never move your money.
Available in the US and Canada.
- Food deliveryFriday, 11:42 pmLate-night order$38.20
- Streaming planNot opened in 60 daysSubscription creep$17.99
- Online shoppingThe day after paydayPayday overspend$214.00
Can I put $500 more a month into investing?
Not yet, but you're close. I found $340 a month in unused subscriptions and late-night orders. Want a plan for the last $160?
Build the planSample data. This panel is an illustration.
- StreetInsider.com
Willpower runs out. Behavioral science doesn't.
PsyFi works on the habits behind the numbers, with 85+ behavioral techniques applied to your own accounts.
You at the center. Fy working around you.
Your accounts, your habits and your goals come first. Fy builds on them, and acts for you when you ask or approve.
$780
$2,520 already spent this monthSave more without feeling deprived
Invest with clarity and fewer mistakes
See your path to long-term wealth
The app, shown with a sample account.
Tools that make your financial journey friction-free
Each tool closes the gap between what you mean to do with money and what you do.
AI coaching with Fy
Ask about your own money in plain words. Fy answers from your accounts, and can do tasks like logging a receipt when you ask.
Real questions. Sample answers.
Meet Fy, the AI agent inside PsyFiShould I pay off my card or invest?
Pay off the card first. Your Visa charges 22.9%, so clearing the $1,840 balance saves about $35 a month. Want a payoff plan?
Based on Visa ****1093 and Brokerage ****7730
Fy can make mistakes, and the information shared isn't a replacement for professional advice.
Catch your blind spots
PsyFi spots the patterns behind your spending before they derail your goals.
Progress tracking
See how your saving, investing and net worth change over time.
Daily check-in
A one-minute daily check that keeps you aware without overwhelming you.
Why PsyFi is different from generic AI finance advice.
Good tools, built for different jobs. Here is what each one does.
The PsyFi engine
Your accountsPsyFi engineFy
Read-only account data, your money personality and 85+ behavioral techniques, turned into coaching you can act on.
- 1Your accountsLive financial dataBank, card and investment accounts. Read-only and always current.
- 2The PsyFi engineBehavior model, patent-pendingYour money personality plus 85+ behavioral techniques.
- 3FyCoaching you can act onAnswers, nudges and a plan that adjusts as you do.
Runs on enterprise models from Anthropic, OpenAI and Amazon. Your data never trains them.
Prof. Michael InzlichtUniversity of TorontoMeet our scientific advisor and read the science| PsyFi | YNAB | Monarch | ChatGPT finance | Muse | |
|---|---|---|---|---|---|
| What it is | AI behavioral money coach | Zero-based budgeting method | Budget and net worth dashboard | General AI chat with a finance view | General AI agent from Meta |
| AI that answers from your own data | Yes, Fy | No AI assistant | Yes, AI Assistant | Yes | Yes |
| Works on why you spend | Yes. 85+ behavioral techniques | A budgeting method, no coach | Not its focus | Not its focus | Not its focus |
| Acts on your behalf | Yes, when you ask or approve | No | No | No | Yes. Cancels subscriptions, negotiates bills |
What it is
AI that answers from your own data
Works on why you spend
Acts on your behalf
Public product information. Names are trademarks of their owners. A portion of every subscription funds ongoing behavioral-finance research.
Full comparisons: PsyFi vs YNAB vs Monarch and Muse vs PsyFi.
Small steps that stick.
Three people tried PsyFi on their own accounts.
“Now I'm making money decisions with confidence, instead of just hoping I'm doing the right thing.”
“I actually finally feel in control of my finances.”
“Another thing that was super unique to me was it separated my non-essential spending and my essential spending.”
What Fy found for beta customers, in dollars.
Take the free money test$2,000a year
more interest, from one suggestionFy noticed $50,000 sitting at 0%. The customer moved it to a 4% savings account at the same bank.Interest rate on $50,0000%4%$350a year
less in fund feesFy flagged a 0.70% fee on a $50,000 portfolio. The customer switched to a zero-fee index fund.Fund fee on $50,0000.70%0%$300+
saved in the first monthReported by 4 beta customers.4 beta customers
Individual results from our beta. Yours will differ. Fy is a coach, not a financial advisor.
PsyFi can never move your money.
You log in at your bank through Plaid, so we never see your password. Rather not link a bank? Upload a PDF statement.
- SOC 2 Type II attested
- ISO 27001 certified
- Encrypted on AWS
Disconnect any account in settings.
One plan. 7-day free trial. Whole financial you.
Simple, all-in pricing. Full features, no hidden fees.
Premium
Or US$9.99 billed monthly.
- AI coaching tuned to your real accounts
- Insights across spending, investing and behavior
- Coach credits when you need guidance
- Secure, read-only Open Banking connections
- Habits and progress tracking built in
Card required. No charge until day 8. Cancel anytime.
Full pricing detailsWhat happens in your 7 days
- Take the money testTwo minutes. No account needed.
- Start your free trialAdd a card. No charge for 7 days.
- Connect accounts, get your planRead-only through Plaid, or upload a statement.
- Decide by day 8We remind you before the trial ends.
Your questions, answered
Stop fighting your finances alone.
Start with the 2-minute money test and see how you really handle money.
Take the free money testNo account needed to start. 7-day free trial, then from US$5.83/month. Cancel anytime.
Take PsyFi with you
Your money coach in your pocket. Download the app on iOS and Android.