You don't need another tracker. You need to know your next move.
FortuniFi tells you exactly what to do with this month's money — what to pay, what to save, what to invest — and shows what every dollar buys in days of freedom. Wherever you're starting — paying off debt or building real wealth — one kind guide, the whole way.
Start free — no card Works without a bank login Couples-first · faith optional No ads, ever
Real screens from the actual FortuniFi web app — pick a job and see exactly how it works.
▶Tells you exactly what to pay first this month.
fortunifi.com
This month: one next move, every dollar placed in priority order — even when it’s tight.
Play with the real thing
Those are real screens. Now try the real app.
A fully working copy of FortuniFi, filled with sample numbers. Add a debt and watch your debt-free date move, flip between Guide Me · Envelopes · Just Track It, poke at anything. Nothing is saved.
Every other app forces one way to budget. FortuniFi is the only one that adapts to how you already work — then guides you further than any of them. Keep your method. We add the part it left out.
Coming from YNAB · EveryDollar
Keep My Envelopes
Give every dollar a job, zero-based — exactly how you budget today. The difference: your envelopes also show your real debt-free date and pull it closer as you fund debt. No pure budgeting app can do that — they have no payoff engine.
Coming from Monarch · Copilot · Rocket
Just Track It
Run your own method — velocity banking, your spreadsheet, whatever works. FortuniFi keeps the numbers honest and your net worth climbing, with zero nagging. We just add the “what now?” the trackers leave out.
New, or done winging it
Guide Me
Not sure where to start? We tell you exactly what to pay first, how much, and when — a clear plan you just follow, from your first debt all the way to building real wealth.
Whichever you pick, you get the part the others skip: what to pay first, your real debt-free date, and the whole road from debt to wealth — together, as a couple, faith optional.
Most apps show you your money. FortuniFi tells you what to do with it.
Over half of Americans now use AI to manage money — and the winning model, in Plaid’s words, is a shift from “passive display to active guidance.” That’s the app FortuniFi already is: personalized, permissioned, proactive, and trusted.
Debt is heavy, and most money apps quietly make it heavier — another red number, another way to feel behind.
FortuniFi was built to be the opposite of a scold. When a month is tight, it doesn't flash failure at you. It re-plans, sends every spare dollar where it does the most good, and tells you in plain words what has to wait and why. When you win — a first debt gone, your line crossing zero — it stops and names it. You are not behind. You're on a plan, and someone is walking it with you.
✓ You're not behind. You're one honest month from your next step.
Made for real life
You might see yourself here.
FortuniFi wasn't built for spreadsheets. It was built for these months.
For the couple
You keep not-talking about the balance.
Money is the argument you both avoid. FortuniFi gives you one shared plan and a calm place to face it together — the chores split, the wins named, everything private to the two of you.
For the uneven earner
Your income comes in bursts.
Freelance, seasonal, commission, tips — some months soar, some barely land. Re-enter the month and the plan re-sorts itself. No more pretending every paycheck is the same one.
For the giver
You want to give and get free.
You don't want generosity to wait until the debt is gone. Giving-first is built in — and optional. Set it off the top, or leave it off entirely. You never have to choose between the two.
For the weary
You're tired of the red number.
Every app just shows you how behind you are. This one is the opposite of a scold — it hands you the next move, tells the truth when the math is tight, and stops to celebrate when you win.
For the builder
You’re debt-free — now what?
You climbed out; the balances are gone. FortuniFi doesn’t graduate you and wave goodbye. The same guide keeps going — net worth, investing, and the road to work-optional — so the discipline that set you free now builds real wealth. Same app, next chapter.
Debt-free isn’t the finish line. It’s the halfway point.
Most money apps go quiet the day your balances hit zero. FortuniFi shifts gears — the same discipline that set you free now builds real wealth: your net worth month over month, a clear ladder from cushion to investing to giving, and your road to work-optional.
Net worth over time — watch the line you fought to cross keep climbing.
The wealth ladder — cushion → employer match → invest → give, in order.
Your work-optional number — how close you are to money being a choice.
fortunifi.com
Net worth over time
From under water to climbing.
Deep in debt◆ Debt-freeBuilding wealth
The difference
A tracker shows you where it went. FortuniFi tells you where it should go.
Budgeting apps are honest mirrors — neat categories reflecting the past. But standing in a real month, with a tight paycheck and three bills and a credit card, a mirror doesn't help. You need a decision: pay this, then this, hold that. FortuniFi makes that decision with you — and tells you the truth when the math doesn't reach yet.
This month's plan
June · take-home $3,180
Give first fruits · optional$318
Essentials rent, power, food$2,140
Protect insurance, minimums$395
Attack: Visa highest rate first$207
Cushion starter savings$0
Tight month, so the cushion waits — every spare dollar hits the Visa instead. You're still $0 behind on anything that matters. Debt-free on track for Mar 2029.
Everything, in one guide
Not a tracker. The whole climb.
Six surfaces that grow with you — from your first tight month to building wealth together.
This Month
One next move, in priority order. A Safe-to-Spend number you can trust, an honest triage when it's tight, and every payment auto-checked from your ledger.
Free forever
Ledger
A best-of-all-worlds register: running balance, reconcile, natural-language entry — plus a cash-flow forecast to your low point before payday, recurring-charge detection, and days-of-freedom on every debt payment.
Free forever
Crossroads
A living payoff chart you can steer — pull the extra-payment lever and watch the date move, and test a decision ("what if we put $5,000 here?") before you make it. It never touches your committed plan.
Free forever
Together
Built for couples first. One household plan, a shared "we both said yes" on your goals, a calm money-date rhythm, and the chores split so no one carries it silently.
Free forever
Growth
Where your wealth is heading, in today's dollars: your FI number, years to work-optional, net worth over time, and the cost of waiting — the same engine that got you out of debt, now building.
Free forever
Set Aside
The storehouse for lumpy costs — property tax, propane, a domain that renews in October. Save a little monthly so the bill's already covered, with a reminder when its date comes near.
Free forever
The thing no one else has — days of freedom. Every debt payment shows what it bought you: "this $300 is about +29 days closer to debt-free." It turns a chore into momentum, and it's woven through the whole app.
✦ AI that hands you the hard parts — finished, in your words. Where other apps stop at tracking (or a chatbot that answers questions), FortuniFi's AI produces what you actually need. Snap a statement photo and it fills in the balance, rate, minimum and due date. Behind on the mortgage? It drafts your hardship letter from your own answers. High card rate, or a collections call? It writes the exact words to say — a lower-rate ask, a catch-up plan, a settlement — all grounded in your real numbers. The trend is AI that acts for you; ours equips you and keeps you in control. Not a chatbot, and never advice it shouldn't give. Your data is never used to train AI, and we send only what a task needs — how we handle it →
Step by step
Your money, in order, every single month.
No guesswork about what comes first. FortuniFi runs your income down a clear priority — and re-sorts it the moment your month changes.
1
Give optional
If giving matters to you, it comes first — switch it on, or leave it off. Same plan either way.
2
Keep the lights on
Essentials are covered before anything else — rent, power, food, the things that keep your life steady.
3
Protect what you have
Insurance and minimum payments, so one bad week doesn't undo months of progress.
4
Attack one debt
Every spare dollar goes at a single target — highest interest, smallest balance, or a quick win — so something visibly shrinks.
5
Build the cushion
A small starter fund so the next surprise is an inconvenience, not a setback.
6
Grow
Once you're free, the same engine turns toward building — savings, investing, the wealth you're owed.
Short month? You don't have to figure out what gives. FortuniFi re-orders the plan automatically and tells you exactly what waits — and what it costs you to let it — so the decision is honest, not heartbreaking.
See it on real numbers
What the plan actually does.
An illustrative household: $15,500 across three debts. FortuniFi covers the must-pays, then aims every spare dollar at the costliest debt first — and keeps a running debt-free date.
1Store card · $4,20026.9% APR — hit first
2Visa · $1,80019.4% APR — next
3Car loan · $9,5006.1% APR — minimums for now
Bars show relative balances. Highest-rate debt is targeted first so you pay the least interest overall.
Mar 2029
Debt-free date, recalculated every month
~$3,900
Interest avoided vs. paying minimums
6 steps
Every dollar placed, in priority order
$0
To start — the full plan is free
Illustrative example, not a guarantee. Your numbers, rates, and timeline are your own — FortuniFi calculates them from what you enter and updates as life changes.
Try It Yourself
Every extra dollar buys days of freedom.
Drag the slider — watch how a little more toward debt each month moves your debt-free date closer. This is the mechanic no other app has.
$0$500
8
days of freedom bought this month
—
your debt-free date
—
total interest you’d avoid
Illustrative: $18,000 across a few cards at a blended rate. Your real numbers come from what you enter — and update every month.
How we compare
Good tools, different jobs.
Plenty of apps do one part of this well. FortuniFi's job is the part they leave to you: what to do with this month's money, in order, even when it's not enough — and it now holds its own on the register, too.
What you want
FortuniFi
Budgeting apps
Debt calculators
Faith budgeting
See where your money goes
Yes
Yes
Some
Yes
Running-balance ledger & reconcile
Yes
Yes
No
Some
Forecast your low point before payday
Yes
Some
No
No
Tells you what to pay first this month
Yes
No
Partly
No
An honest plan when money's short
Yes
No
No
No
Every payment priced in days of freedom
Yes
No
No
No
One tool from first debt to building wealth
Yes
Partly
No
Partly
Faith built in — and optional
Yes
No
No
Faith-first
Reflects each category's general focus as we understand it — including tools like YNAB, Monarch, Simplifi, Rocket Money, Undebt.it, and FaithFi. They're good at what they do; check their sites for current features and pricing. All names are trademarks of their respective owners.
FortuniFi started with a farming family and an uneven income — the kind that arrives in bursts and disappears between seasons — and a stack of debt that no neat budgeting app could tell them how to face. They didn't need another mirror. They needed a plan that changed when the month did, and a voice that didn't make them feel like they'd failed.
So they built one. The wish underneath it is old and simple: get free of debt, give freely, and leave something behind for the people you love. FortuniFi stands on the long lineage of honest budgeting — the cash envelopes, the debt snowball, the year of release — and adds the piece those methods never had: a guide that re-plans with you, every single month, and roots for you the whole way.
Pricing
Fair to you. Honest about why.
The way out of debt should never sit behind a paywall — so it isn't: the guidance that gets you out is free, forever. Plus adds what makes it easier and takes you further — automatic bank sync, the AI, and the deeper tracking and wealth tools — a fair $9, never a wall in front of your progress.
Free
$0 / forever
Everything that gets you out of debt — free, forever.
Your monthly plan, in priority order
Honest triage when money's short
Full ledger — manual entry, cash-flow forecast, recurring, days of freedom
Crossroads payoff chart & test-a-decision
Growth, Together & net-worth tracking
Hardship guidance when things get hard — and your data yours to export, anytime
Our principle: the way out of debt is never behind a paywall. What gets you out — your plan, what to pay first, your debt-free date, and hardship guidance — is free, forever. Plus is the automation and the deeper tools, a fair $9 with real costs to run. In genuine hardship and even that's out of reach but it would help you get free? Reach out once you're signed in — we keep a door open. We make money so we can keep building, never by holding your way out of debt hostage.
Good to know
Questions, answered plainly.
Q. Do I have to connect my bank?
No. Type your numbers in and get a full plan today. Connecting a bank just automates the typing later — that's the paid part, and it's optional.
Q. Is my information safe?
Your data is encrypted, you're never the product, and we never see your card — payments are handled by Stripe. You can also sign out of every other device in one tap. See how we protect your data →Read our privacy policy →
Q. What if my income changes every month?
That's exactly what it's built for. Re-enter the month and the plan re-sorts itself — made for uneven, seasonal, and freelance income.
Q. Is it really free?
Yes — the guidance that gets you out of debt is free forever: your monthly plan, what to pay first, the Ledger, Crossroads, Growth, Together, net-worth tracking, and hardship guidance. Your data is yours to export anytime, too. Plus ($9/mo or $89/yr, one plan per household, with a 14-day free trial) adds what makes it easier and takes you further — automatic bank sync, AI like snap-a-statement and drafted letters, saved scenarios, advanced methods, reports, and the wealth-building tools.
Q. Does it work for couples?
It's couples-first. One shared household plan, a "we both said yes" on your goals, and the money chores split — with everything private to the two of you.
Q. Do I have to use the faith features?
Not at all. Giving-first and a verse with your plan are optional — switch them on or leave them off. The guidance is identical either way.
