← Back to the route
Simple, transparent pricing

Pricing that pays for itself.

Your first plan is free. One product, two ways to pay. Every feature included either way. Pick a rhythm and cancel whenever you like.

Monthly

Full access, month to month

$14.99/mo

Billed monthly. Cancel anytime.

  • Turn-by-turn directions: what to pay, from where, on which date, with which card
  • Automatic reroute when a balance, bill or paycheck changes
  • Plans up to 365 days ahead
  • Four Navis to drive your route, switch any time
  • 12,000+ banks through Plaid, or add accounts manually
  • Every income source and bill, with grace periods and weekly budgets
  • Destinations with target dates and priorities
  • Early warning on a red week, with the fixes
  • Home, Navigator and a calendar at 7, 30 and 365 days
  • Map: places marked green, orange or red before you walk in
  • The best rewards card for every place
  • Phone, tablet and web with one sign-in
Get started
Save 17%

Yearly

The same thing, for less

$149.99/yr

Billed annually, that's $12.50/mo. Cancel anytime.

  • Save 17% versus monthly billing
  • Turn-by-turn directions: what to pay, from where, on which date, with which card
  • Automatic reroute when a balance, bill or paycheck changes
  • Plans up to 365 days ahead
  • Four Navis to drive your route, switch any time
  • 12,000+ banks through Plaid, or add accounts manually
  • Every income source and bill, with grace periods and weekly budgets
  • Destinations with target dates and priorities
  • Early warning on a red week, with the fixes
  • Home, Navigator and a calendar at 7, 30 and 365 days
  • Map: places marked green, orange or red before you walk in
  • The best rewards card for every place
  • Phone, tablet and web with one sign-in
Get started →
🔐 Bank-level encryption ✓ Every feature on both plans ↩ Cancel anytime

Prices shown are for subscriptions purchased on navfi.money and are in US dollars, excluding tax. Subscriptions purchased through the Apple App Store are billed by Apple and may be priced differently. The price is always shown before you confirm. Both plans renew automatically until cancelled. See our Terms of Service and Refund Policy.

Everything included

Every feature, on both plans.

The full list, taken straight from the setup screens and the Help Center. No tiers, no add-ons.

Getting set up
  • Sign up with email and a six-digit code, or continue with Google or Apple. Referral code at sign-up.
  • Choose your Navi: Debt Slayer, Smart Strategist, Risk Reducer or Reward Seeker, each with Debt Focus, Liquidity Safety and Rewards dials. Switch any time from Home.
  • Connect your bank through Plaid, 12,000+ institutions. Your credentials are never seen or stored by NavFi.
  • Or add checking, savings and cards manually and keep the balances yourself.
  • A safety net sized for you, about two to three months of essentials, and a buffer you never dip below.
  • Cards with limit, balance, APR and statement date.
Income
  • Any number of income sources: salary, freelance, gig work, benefits, investments, other.
  • Take-home per paycheck, pay frequency, next pay date and the account it lands in.
  • Upcoming paychecks preview, with skip or adjust for any one that will differ.
Bills and spending
  • Bills found in your accounts, confirmed or added: amount, due date, frequency, grace period, end date.
  • Spending that varies as weekly budgets: groceries, dining, fun, with a floor per category.
  • How each bill is paid: from a bank account, on a card, a preferred account, or let NavFi choose.
Destinations
  • Goals with a name, target amount and target date.
  • The savings account each goal lives in.
  • Priority per goal: optional, important or essential.
The route
  • Your first route charted from your numbers. The first plan is free.
  • Turn-by-turn directions: what to pay, from where, on which date, with which card.
  • Automatic reroute the moment a balance, bill or paycheck changes. The current route stays live until the new one is ready.
  • Plans up to 365 days ahead. Route Duration is yours to set.
  • Real transactions matched to route stops. Edit or unlink a match.
  • Early warning on a red week: the gap named days ahead, with the fixes.
Home
  • Cash Available and Credit Available, updated as the plan runs.
  • Total Assets and Total Debt across every account, card and loan.
  • The on-course line under your Navi naming the next move, and Runway in months.
  • Route Overview with the full breakdown. Alerts when the safety buffer gets thin.
Navigator
  • Available to Spend this week.
  • NEXT: the very next move with amount and date.
  • Calendar at 7, 30 or 365 days, green when covered, red when short.
  • Cards & Pay and Plan Spending for what is coming.
Map
  • Nearby places marked before you walk in: green affordable, orange stretches the budget, red over budget.
  • Category and sub-category filters, and search for any merchant.
  • The Nearby sheet: what is left in the category this week, plus rating, distance, hours and typical spend.
  • The card that earns the most rewards at each place.
Account and trust
  • The same route on phone, tablet and web with one sign-in.
  • Bank-level encryption. Your data is never sold.
  • Cancel any time and keep access to the end of the period. Delete your account in the app.
Support
  • Help Center with the three-minute setup film.
  • A free 30-minute onboarding call with the NavFi team.
  • Email support from a real person.

See every screen in the Getting started guide, or watch the three-minute setup film.