Question 1

Do I have to connect my bank?

Accepted Answer

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.

Question 2

How do I create my first plan?

Accepted Answer

Enter this month's income and your obligations. This Month instantly sorts what to pay and in what order, and shows what waits if there isn't enough.

Question 3

Is it really free?

Accepted Answer

Yes. Everything that gets you out of debt and building wealth is free forever. Plus (about $9/month, one plan per household) adds automatic bank sync, saved scenarios, and reports.

Question 4

What if my income changes every month?

Accepted Answer

It's built for that. Re-enter the month and the plan re-sorts itself — made for uneven, seasonal, and freelance income. You also see your low point before payday — set your payday under Setup → Household → Income style & pay schedule, and enter your bills in Money, and the forecast appears on This Month.

Question 5

What if there isn't enough to cover everything?

Accepted Answer

FortuniFi triages: it sets aside giving first (if enabled), catches up anything past due, protects what's secured, and orders the rest — showing plainly what waits.

Question 6

What if I can't make a payment at all — or my mortgage is in hardship?

Accepted Answer

When a month is genuinely short, This Month shows honest options and who to call (free nonprofit help via the NFCC). A mortgage or loan in a hardship/loan-modification review can be put on hold from Money — parked as paused, trial, or full — so the rest of the plan keeps working. The Mortgage Hardship Assistant (Plus) assembles the servicer's packet ready to sign.

Question 7

How do I split one charge across categories?

Accepted Answer

Open the transaction, choose a category, and tap Split across categories. You can also import a receipt or invoice PDF and FortuniFi reads the line items and tax and splits them for you.

Question 8

Can I attach a receipt or invoice to a transaction?

Accepted Answer

Yes. Open a transaction and attach a PDF or image. If you split an imported receipt, FortuniFi offers to attach the original automatically.

Question 9

Does my data sync across my phone, laptop, and my spouse's device?

Accepted Answer

Yes — automatically and continuously. When you're signed in, every change saves to your account and pushes to your other devices in the background. There's nothing to press.

Question 10

Is there a backup button I need to remember?

Accepted Answer

No. FortuniFi keeps your data synced to your account continuously, so a manual backup isn't something you have to remember. Just stay signed in.

Question 11

Does it work for couples?

Accepted Answer

It's couples-first. You share one household plan and split the money chores, with everything private to just the two of you.

Question 12

What's included in FortuniFi Plus?

Accepted Answer

Automatic bank sync, living-plan tracking with Autopilot payment routing, hardship documents assembled ready-to-sign (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, AI what-ifs, and the Wealth Advisor. About $9/month or $89/year, one plan for the whole household.

Question 13

How do I cancel or change my plan?

Accepted Answer

From your account, open the billing portal to update or cancel anytime. If you cancel, you keep the free plan.

Question 14

Is my information safe?

Accepted Answer

Your data is encrypted, you're never the product, and we never see your card — payments run through Stripe. You can also add two-step verification and sign out of every device in one tap.

Question 15

Do I have to use the faith features?

Accepted Answer

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.

Question 16

Can I add my own categories?

Accepted Answer

Yes. Categories are a Primary group with Subcategories beneath. Add one by tapping + Subcategory under a group when categorizing a transaction, or open Setup → Advanced → Manage payees & categories to add a new primary group, rename, or merge duplicates. Renaming updates every transaction, bill, and reserve at once.

Question 17

Can I export my data to CSV?

Accepted Answer

Yes — two ways. The Ledger's Export downloads your transactions as a CSV that opens in Excel, Google Sheets, or Numbers. And from your account page you can export a complete copy of everything — accounts, debts, bills, plans, and history. Your data is always yours to take with you.

Question 18

Which banks can I connect?

Accepted Answer

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 add accounts and enter transactions by hand for free.

Question 19

Why can't I connect my bank yet?

Accepted Answer

Bank sync needs two things, both on purpose: an active FortuniFi Plus subscription, and two-step verification turned on (a bank connection is a high-value door). Enable 2FA from your account page, then connect from Money → Connect your bank.

Question 20

How do I set up two-step verification?

Accepted Answer

From your account, choose Turn on two-step verification, scan the QR code with an authenticator app (Google Authenticator, Authy, 1Password), enter the 6-digit code to confirm, and save your recovery codes. You can also sign out of every other device in one tap.

Question 21

How do I delete my account and data?

Accepted Answer

Export a copy from the Ledger first if you want one, then open a deletion request from your account or a support ticket and we'll permanently remove your account and data. Deletion is permanent and can't be undone.

Question 22

Can I earn free months by inviting friends?

Accepted Answer

Yes — give a month, get a month. Open Invite Friends in the app — the gift icon in the sidebar on a computer, or under the menu on your phone — to get your 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.

How can we help?

Getting started

Your monthly plan (This Month)

The Ledger

Couples & sharing (Together)

Your data & devices

Plus & billing

Privacy & security

Faith features

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