Your AI money coach.
One payment. No limits.
Pay $40 once and you're done. No monthly fees, no renewals — just unlimited AI financial coaching and every tool in the app, as long as FinacAI exists.
Free plan gives you 20 AI credits to kick things off
Every account starts with 20 free credits — enough to get a real feel for it. Invite friends to earn more. Premium throws out the credit system entirely and replaces it with unlimited AI chat, so you never have to think about it again.
What's included in Premium
Unlimited AI Chat
Remove the credit limit entirely. Ask FinacAI anything — budgeting, debt, investing, or life decisions — as many times as you need.
Advanced Spending Analytics
Understand exactly where your money goes each month. Category breakdowns and trend charts surface spending patterns you might otherwise miss.
Net Worth Tracker
Track your total assets and liabilities in one place. See your real net worth — the single most important number in your financial life.
Advanced Debt Tracking
Go beyond a balance number. See your interest rate, monthly payment, estimated payoff date, total interest remaining, and your AI-crafted elimination plan.
Financial Achievements
Earn recognition for real milestones: first $500 saved, debt reduced by half, 30-day consistency streaks. Tangible evidence of your progress.
Lifetime Access
One payment in 2026. Your account remains Premium in 2030 and beyond — no renewals, no subscriptions, no future charges.
FinacAI Premium · Lifetime
✓ Pay once. It's yours forever. Zero renewals.
Seriously — you pay $40 once in 2026 and your account is still Premium in 2030, 2035, whenever. This isn't a subscription.
Instant Refund Guarantee
Not happy? Request a refund anytime and your full $40 is returned instantly — no questions asked. Just visit your Profile page and hit "Request Refund."
✓ No credit system. No daily limits, no message caps, no mid-conversation paywalls. Just chat.
✓ Normal use? You'll never feel a thing. Whether it's 5 messages a week or 50, you're good.
One honest thing to mention: like any AI service, if someone sends hundreds of messages in a few minutes, there might be a brief slowdown to keep things fair for everyone. Normal daily use won't be affected. If a formal fair-use policy ever gets added, it'll be clearly announced before anything changes.
Encrypted in transit and at rest. All financial data you enter is encrypted end-to-end. We do not sell or share your information.
Payments secured by Stripe. We never see or store your payment card details. Stripe is PCI-DSS Level 1 certified — the highest industry standard.
No third-party data access. Your financial profile, income, debt, and goals are private to your account. Only you can see them.
Premium members receive access to experimental features before general availability. Current beta features include:
Google Calendar Sync
Automatically adds your goal deadlines and budget check-in reminders to Google Calendar.
Finance Calculator Suite
Compound interest, loan amortization, savings projections, and ROI calculators — all built in.
Investment Portfolio Tracker
Track stocks, ETFs, crypto, and retirement accounts. Full gain/loss analysis across all your holdings.
AI Debt Elimination Plans
A permanent, AI-generated strategy to eliminate each debt — combining financial logic, psychology, and a structured action plan.
Premium activates instantly after payment · Payments secured by Stripe · No recurring charges · Your financial data is encrypted and private
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