Three minutes, six screens.

Watch the whole setup before you start, so nothing on your phone is a surprise. Connect your bank or type your balances, either way your first route is free.

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Step 1 · Create your account

Register and verify your email.

Open NavFi and tap Register, or sign in with Google or Apple and you are in.

Enter your name, email, phone number and a password, then confirm the password.
Registering by email? We send a six-digit code to confirm it is you. Tap Resend if it has not arrived after the timer.
Have a referral code? Add it on the register screen before you continue.

Already registered? Use the Login tab. Forgot Password sends a reset link.

Step 2 · Choose your Navi

Pick the voice that drives.

All four Navis reach the same destination. They drive differently. Swipe the cards and start with the one that sounds like you.

Each card shows three dials: Debt Focus, Liquidity Safety and Rewards.
Every Navi sizes a safety net for you, about two to three months of essentials.
The Smart Strategist is marked Recommended for you. Tap Start with it to continue.

Not sure? Start with the Smart Strategist. You can switch later from Home.

Step 3 · Connect your accounts

Bring in the accounts your money moves through.

Stop one on the progress bar. Connect your bank through Plaid, or add accounts manually and keep the balances yourself.

Tap Connect your bank, then Connect Your First Institution, and pick your bank.
Log in on your bank's own page. NavFi never sees or stores your credentials.
Keep "Share all accounts with NavFi" ticked so every account comes across.
Your institution appears with each account and balance. Add another, then Continue.

Rule of thumb: add every account you pay bills from and every card you spend on.

Step 4 · Add your income

Tell NavFi when money arrives.

Stop two. Every income source gets a type, a name, an amount, a rhythm and a landing account.

Tap + Add New and pick the source: Salary, Freelance, Gig work, Benefits, Investments or Other.
Name it and enter your take-home amount per paycheck, not your gross salary.
Choose how often you are paid and the date of your next paycheck.
Check the upcoming paychecks, pick where it lands, review, and tap Add Income.

Irregular income? Enter a conservative typical amount and raise a specific paycheck later.

Step 5 · Add your expenses

Confirm your bills, then set your spending.

Stop three. NavFi lists what it found in your accounts for you to confirm. Add anything it missed.

Tap + Add New: A bill has a due date, Spending that varies gets a weekly budget.
Pick the category, name it, enter the amount, then how often and the next due date.
Answer whether there is a grace period after the due date.
Choose how you pay it and the preferred account, or Let NavFi choose. Review, then Add Expense.

Spending that varies is groceries, dining and fun, each with a weekly budget.

Step 6 · Your first route

NavFi charts your route.

Tap Continue and the engine reads your numbers and charts the best turns. Then Home shows where you stand and the Navigator shows the next turn.

Your first plan is free. After that NavFi is $14.99 a month or $149.99 a year, shown before you confirm.
Change a balance, a bill or a paycheck and NavFi charts again. Your route stays live until the new one is ready.
First thing to check: open the Navigator and read the NEXT stop.

A number looks wrong? It is almost always a balance or bill entered differently from real life. Edit it and the route recalculates.

From download to your first route.

Three minutes, six screens.

Gather this first. Setup takes about 15 minutes.

AAccounts

BIncome

CRecurring bills

DEveryday spending

EDestinations

FYour phone

Every screen, in order.