What PsyFi actually does with your money data
Most money apps categorise the past. PsyFi is built around the gap between what you intend to do and what you actually do, so every feature below exists to close that gap, not to produce another chart.
Behavioral insights
PsyFi reads the pattern behind a transaction, not just its category. That is the difference between a report of what you spent and a reason you spent it.
- Blind-spot detection
- Surfaces the patterns behind your spending — subscription creep, payday overspend, stress triggers, and late-night impulse buys — before they cost you the goal.
- Money-personality mapping
- A short quiz maps how you actually relate to money, so guidance is tuned to your habits instead of a generic template.
- More than 85 behavioral techniques
- The coaching engine draws on a library of behavioral-science interventions rather than a single nudge pattern repeated everywhere.
AI coaching with FY
FY is the agent inside PsyFi. It reads your connected accounts, goals, and budgets before answering, then routes the question to the right specialist.
- Grounded in your real accounts
- FY answers from your actual transactions, balances, goals, and budgets, so the advice reflects your position rather than an average.
- Specialist routing
- Questions route to the mode that fits — Planner, Coach, or Therapist — each with its own tools and tone.
- Approval-gated actions
- FY runs in assisted mode by default. It can prepare and recommend an action, but meaningful changes need your approval and are kept in an audit trail.
- Daily check-in
- One short touchpoint a day that keeps the thing that matters most in view without turning money into a full-time job.
Saving, investing, and net worth
The everyday mechanics — where the money goes, whether the portfolio still matches the goal, and whether the trend is moving the right way.
- Spending and budget tracking
- Connected accounts roll up into budgets you can actually keep, with the leaks called out rather than buried in a pie chart.
- Portfolio review
- Reviews holdings across connected accounts, surfaces goal misalignment, and adds guardrails aimed at panic selling and impulsive moves.
- Goals and progress tracking
- Dashboards showing how saving, investing, and net worth change over time, alongside the behavioral improvements driving them.
Security and control
Read-only by construction. PsyFi is built so that the worst case is a data question, never a money-movement question.
- Read-only bank connections
- Accounts connect through Plaid, which handles authentication directly. PsyFi never stores bank credentials and cannot move money.
- SOC 2 Type II and ISO/IEC 27001
- Independently certified, with controls monitored continuously rather than audited once a year.
- Encryption everywhere
- AES-256 at rest, TLS 1.2 or higher in transit, and HSTS preload enforced on every request.
Free calculators
A full set of US and Canadian financial calculators, free and with no signup, covering the decisions people search for before they are ready for an app.
- US and Canadian tool sets
- Country-specific calculators for mortgages, retirement, take-home pay, debt payoff, emergency funds, cost of living, and more.
- A behavioral lens on every result
- Each calculator names the bias most likely to distort the decision it models, so the number arrives with its context.
Everything here is in the one plan
No feature tiers and no add-ons. Start with a 7-day free trial.