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No. Type your numbers in and you'll get a full plan today. Connecting a bank just automates the typing later — it's part of Plus, and it's optional. Everything that gets you out of debt and building wealth works without it.

Enter this month's income and your obligations — bills, debts, and anything you're setting aside. This Month instantly sorts what to pay and in what order, and shows you what waits if there isn't enough. You can change any number and it re-plans on the spot.

Yes. Everything that gets you out of debt and building wealth is free forever — This Month, the Ledger, Crossroads, Growth, and Together. Plus (about $9/month, one plan for the whole household) adds automatic bank sync, saved scenarios, and reports.

That's exactly what it's built for. Re-enter the month and the plan re-sorts itself — it's made for uneven, seasonal, and freelance income. You'll also see your low point before payday, so a lean stretch never sneaks up on you. To turn it on, set your payday in Setup → Household → Income style & pay schedule and enter your bills in Money — the forecast appears on This Month.

It's the heart of FortuniFi: an ordered plan of exactly what to do with this month's money — what to pay, in what order, and what waits when there isn't enough. No spreadsheets, no guessing.

FortuniFi triages for you. It sets aside your giving first (if you've turned that on), catches up anything past due, protects what's secured — like your home or car — and then orders the rest so your money does the most good. Whatever can't be covered is shown plainly as “what waits,” so nothing is a surprise.

FortuniFi has a calm room for this, not a wall. When a month is genuinely short, This Month shows honest options and who to call (free nonprofit help via the NFCC included). If a mortgage or loan is in a hardship or loan-modification review, open it in Money and use Put it on hold — the payment is parked (paused, trial amount, or full) so the rest of your plan keeps working and you're never marked “behind.” And the Mortgage Hardship Assistant (Plus) assembles the servicer's packet — Form 710, your hardship letter, the tax-transcript request — ready to sign.

It's a way to see what a dollar really buys — how many days of freedom each choice adds or costs. It turns abstract numbers into something you can feel, and it's part of what makes the plan easy to stick to.

It's the lowest your balance is expected to dip before your next paycheck lands. Seeing it ahead of time lets you move a payment or set money aside so you never get caught short.

It's your running record of money in and out — a clean, sortable list of every transaction across your accounts, with categories, who paid, and whether each one has cleared.

On the free plan, yes — and many people prefer the awareness that comes with it. With Plus, automatic bank sync imports your transactions for you, so you just review and categorize.

Open the transaction, choose a category, and tap Split across categories — one charge, many categories. Add each piece and the amounts balance to the total. It's perfect for a shopping trip or an invoice with several line items.

You can also import a receipt or invoice (PDF or image) and FortuniFi will read the line items and tax and split them for you — then offer to attach the file to the transaction.

Yes. Open a transaction and attach a file (PDF or image). If you split an imported receipt, FortuniFi offers to attach the original automatically so your records stay together.

Pending means the money is committed but hasn't finished settling at the bank; cleared means it has. Tap the status to toggle it, and you can sort the Ledger by cleared/pending to quickly spot anything that hasn't gone through yet.

Set Aside lets you pre-fund irregular bills — think annual renewals, insurance, or property tax — a little at a time, so they're covered when they land instead of blowing up a single month. You can pair a reserve with the bill it's saving for.

Yes. Categories are organized as a Primary group with Subcategories beneath (for example, Housing → Mortgage, Repairs). To add one, pick a category on any transaction and tap ＋ Subcategory under a group, or open Setup → Advanced → Manage payees & categories to add a whole new primary group, rename, or merge duplicates.

Renaming a category updates every transaction, bill, and reserve at once — so renaming one onto another is also how you merge two look-alikes into one.

It's couples-first. You share one household plan, say “we both said yes” to your goals together, and split the money chores — with everything private to just the two of you.

Invite your spouse to your household from the Together area. Once they join, you're both working from the same plan and Ledger, and every change one of you makes shows up for the other automatically — see Your data & devices.

Yes. A household is shared only between the people you invite. Your data is encrypted and we're never in the business of selling it — see Privacy & security.

Yes — automatically and continuously. When you're signed in, every change saves to your account and pushes to your other devices in the background, usually within a second or two. Your phone, your laptop, and your spouse's device all stay up to date on their own. There's nothing to press.

No — and that's on purpose. FortuniFi keeps your data synced to your account continuously, so a manual backup isn't something you have to remember. Just stay signed in and your plan is always saved.

Your plan lives in your account, not just on the device. Sign in on any browser or a new phone and everything is right there. That's also how your spouse sees the same up-to-date plan.

First, make sure both devices are signed in to the same account and connected to the internet. FortuniFi re-syncs the moment a tab becomes active and refreshes on its own in the background, so bringing the app to the foreground usually catches everything up right away. If it still looks off, open a support ticket and we will get you sorted.

Yes — your data is always yours to take with you. Open the Ledger and use Export for a transactions CSV that opens in Excel, Google Sheets, or Numbers — handy for taxes or your accountant. For a complete copy of everything (accounts, debts, bills, plans, history), use Export my data on your account page.

Plus adds automatic bank sync (so transactions import themselves), living-plan tracking with Autopilot payment routing, ready-to-sign hardship documents (the Form 710 packet), saved scenarios and strategy comparison, full report history plus a clean PDF of your plan, and the AI features — snap a statement to add a debt, drafted hardship letters and negotiation scripts, and the Wealth Advisor. It's about $9/month or $89/year, and it's one plan for the whole household — not per person.

Bank sync (part of Plus) connects to most U.S. banks and credit unions through a secure, read-only connection — we can see transactions to import them, never move your money. You can also always add accounts and enter transactions by hand on the free plan. If your bank isn't connecting, open a support ticket and we'll look into it.

Bank sync opens up in two steps, both on purpose. First, it’s part of FortuniFi Plus — so you’ll need an active Plus subscription (Setup → FortuniFi Plus). Second, because a bank connection is a high-value door, we require two-step verification on your account before it opens — turn it on from your account page with any authenticator app, then head to Money → Connect your bank. If you’ve done both and still can’t connect, file a ticket from Support and we’ll run a connection check for you.

Open your account and choose Plus. Payments are handled securely by Stripe — we never see your card.

From your account, open the billing portal to update or cancel anytime. If you cancel, you keep the free plan — everything that gets you moving stays yours.

Yes. The core plan is free precisely so cost is never what keeps someone in debt. If Plus would help but the price is a stretch, open a support ticket — we'd rather help than turn anyone away.

Yes — it's give a month, get a month. Open Invite Friends — the gift icon in the sidebar on a computer, or under the menu on your phone — to get your personal invite link or send email invites. Your friend gets their first month of Plus free, and when they become a paying subscriber, you get a free month too. You can track invites, sign-ups, and months earned right in that panel.

Your data is encrypted, you're never the product, and we never see your card — payments run through Stripe. You can read the full details in our privacy policy.

No. FortuniFi makes money from Plus subscriptions, not from your information. Your finances are yours.

Two-step verification (2FA) adds a one-time code on top of your password. To turn it on:

• Open your account and choose Turn on two-step verification.
• Scan the QR code with an authenticator app (Google Authenticator, Authy, 1Password, etc.).
• Enter the 6-digit code to confirm, then save your recovery codes somewhere safe — they let you back in if you lose your phone.

From the same place you can sign out of every other device in one tap. If you ever get locked out, open a support ticket.

Your data is yours, and you can remove it whenever you like. If you'd like a full copy first, export it from the Ledger. To close your account and permanently delete your data, open a request from your account or open a support ticket, and we'll take care of it. Deletion is permanent — once it's done, your plan and history can't be recovered.

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.

If you turn it on, you set a percentage and FortuniFi sets that giving aside off the top, before the rest of the month is planned — so generosity leads instead of getting whatever's left. Leave it off and the plan simply skips that step.