What is NavFi?
NavFi is the GPS for your money. It is a personal finance app for iPhone, Android and the web that maps your income, bills, debts and goals, then tells you the next move every morning: pay this, save that. When life happens, it recalculates the route.
The one idea
Every money tool you have used tells you where you were. A bank app shows balances. A budget app shows categories you filled in last month. NavFi tells you the next turn. It reads where you stand this morning, knows where you are going, and hands you the single move that keeps you on the fastest route there.
Who it is for
- Anyone juggling due dates. Rent, cards, utilities, subscriptions and a paycheck that does not line up with them. NavFi sequences every bill so nothing bounces and nothing sits idle.
- People paying down debt. NavFi routes extra money at the highest-interest balance first and shows the date you are debt-free, and how that date moves when you change a number.
- People saving toward a date. A deposit, a trip, an emergency fund. Each goal is a destination with an arrival date.
- Students, nonprofits and organizations. Campus ambassadors, NavFi for Nonprofits and employer programs each have a page of their own.
How a day with NavFi goes
- Start. Connect your accounts or type in balances. Add your paycheck schedule, recurring bills, everyday spending and your destinations. About 15 minutes.
- Read the next turn. The Home screen shows one instruction for today: what to pay, what to move to savings, what is safe to spend.
- Take the turn. You make the payment in your own bank or card app. NavFi never moves money.
- Recalculate. A surprise expense or a short paycheck does not break anything. NavFi shifts the flexible stops, keeps the essential ones locked, and shows the new arrival date.
- Arrive. The Navigator shows the whole route and every destination date. The Map shows what you can afford at the places around you.
What it is not
NavFi is not a budgeting app, not a bank, not a lender and not a payment app. It does not hold your money, cannot move it, and does not sell your data. It is the layer that decides what to do next, on top of the accounts you already have.
Common questions
What is NavFi?
NavFi is the GPS for your money. It is a personal finance app for iPhone and Android that maps your whole financial picture (income, bills, debts, goals and card rewards) and then gives you turn-by-turn directions: what to pay today, what to save, and when. When life happens, it recalculates the route instead of making you start over.
How does NavFi work?
You connect your accounts or enter balances by hand, then add your income schedule, recurring bills, everyday spending categories and your destinations (goals with a target amount and date). NavFi runs a patent-pending route optimizer over all of it and shows you the next turn on the Home screen, the full route in the Navigator, and where your money can go on the Map. Every morning it re-reads your numbers and updates the route.
What is a "destination" in NavFi?
A destination is a goal with a name, a target amount, a target date, the savings account it lives in and a priority (optional, important or essential). NavFi routes money toward your destinations around your bills, so you know the date you will arrive, and that date moves when your numbers do.
What happens when I overspend or get paid less than expected?
NavFi reroutes. An unexpected dinner, a short paycheck or a bill that lands high does not break the plan. The optimizer shifts the most flexible stops, keeps the essential ones locked, and gives you a new route with an updated arrival date. No starting over.
Does NavFi move my money or pay bills for me?
No. NavFi tells you what to pay and what to save. You make the payments yourself in your bank or card app. Account connections are read-only, so NavFi can see balances and transactions but cannot move money.
How much does NavFi cost?
NavFi is $14.99 per month or $149.99 per year (about $12.50 a month, 17% less than monthly). Both plans include every feature. Prices are for subscriptions bought on navfi.money in US dollars; subscriptions bought through the Apple App Store are billed by Apple and may be priced differently.
Is there a free trial or free plan?
Your first plan is free. Download NavFi, connect or enter your accounts, set your destinations and get your first route at no cost. After that, NavFi is $14.99 a month or $149.99 a year, and you can cancel at any time and keep access through the period you have already paid for. NavFi does offer four free money games on its site (Money Moves, Beat the Optimizer, Which Navi Are You and Where Can Your Money Land) that need no sign-up.
What devices does NavFi run on?
iPhone and iPad (App Store), Android (Google Play) and the web app at app.navfi.money. Your data syncs across all of them.
More answers in the FAQ, setup help in the Help Center, and a side-by-side in NavFi vs other money apps.
