Take Control of
Your Finances.
Pay Off Debt Faster.
AI-powered financial advisor, debt payoff strategies, spending insights — all in one beautiful app. Stop guessing. Start winning.
Debt shouldn't control your life.
Most people have the income to get out of debt — they just don't have the right plan, tools, or visibility to do it efficiently.
Everything you need to get debt-free
No spreadsheets. No guesswork. Just a clear, personalized path to financial freedom.
Smart Debt Payoff
Snowball, Avalanche, or AI-recommended — see which strategy saves you the most money and time. We run the math so you don't have to.
- Side-by-side strategy comparison
- Projected debt-free date for each method
- Total interest savings calculator
- Milestone celebrations at 25%, 50%, 75%, and 100%
AI Financial Advisor
Get personalized financial advice based on your actual income, debts, and expenses. No generic tips — real recommendations that move the needle.
- Conversational AI that knows your finances
- Actionable monthly savings suggestions
- Answers questions in plain English
Visual Dashboard
Beautiful charts showing your debt payoff timeline, spending breakdown, and cash flow at a glance — with month-over-month trend indicators so you always know where you're headed.
- Debt payoff progress charts
- Spending category breakdown (12 categories)
- Month-over-month income and expense trends
- Full dark mode support
Budget Planner
Set monthly spending limits per category and see exactly where you stand. Get alerted when you're near or over budget before it's too late.
- Per-category monthly spending limits
- Real-time spending vs. budget progress bars
- Over-budget alerts on the dashboard
- Tracks all 12 expense categories
Bill Reminders & Export
Never miss a payment with scheduled bill reminders. When it's time to share your data, export to CSV or PDF instantly.
- Scheduled payment reminders via notifications
- Per-debt reminder customization
- Export all data to CSV or PDF
Bank Linking Coming Soon
Connect your bank accounts securely via Plaid for real-time transaction tracking and automatic categorization — no more manual entry for your day-to-day spending.
- Connect thousands of banks and credit unions
- Automatic transaction import and categorization
- Real-time balance updates
- Smart subscription detection
Military-Grade Security
AES-256 encryption, rate limiting, and tamper detection protect your financial data at every layer. Your data stays on your device — not sold, not shared.
- AES-256-GCM encrypted local storage
- AI rate limiting to prevent abuse
- Automatic tamper detection
Up and running in minutes
No financial expertise required. If you know what you owe and what you earn, you're ready to start.
Add your financial picture
Enter your income sources, debts (balances, interest rates, minimums), and monthly expenses. Takes about 5 minutes.
Get AI-powered insights
Trovifi analyzes your data and surfaces the best payoff strategy, spending cuts, and personalized advice — instantly.
Watch your debt shrink
Follow your personalized plan, track your progress, and watch your debt-free date get closer — faster than you thought possible.
Simple, transparent pricing
Start free. Upgrade when you're ready. No hidden fees, no surprise charges.
Perfect for getting started and seeing how Trovifi can transform your finances.
Get Started Free- Track up to 3 debts
- Up to 5 expense categories
- Basic payoff calculator
- Manual data entry
- Snowball & Avalanche strategies
- AI financial advisor
- Bank account linking
- Priority support
For serious debt destroyers who want every advantage to pay off debt as fast as possible.
Start Pro Free — 14 Days- Unlimited debts & expenses
- AI financial advisor
- Bank account linking (Plaid)
- All payoff strategies
- Advanced analytics & charts
- Subscription detection
- Priority email support
- Export to CSV/PDF
Everything in Pro, plus household sharing so you and your partner can tackle debt together.
Start Family Free — 14 Days- Everything in Pro
- Shared household view
- 2 user accounts
- Combined financial dashboard
- Partner-synced goals
- Separate expense tracking per user
- Priority support
- Family payoff roadmap
Real people, real results
Placeholder testimonials — representing the results our users achieveI had no idea how much money I was wasting on minimum payments. Trovifi's Avalanche strategy showed me I could save over $3,800 in interest just by reordering my payments. Game changer.
My husband and I were arguing about money constantly. The Family plan gave us a shared view of everything — same goals, same dashboard. We paid off our car loan 14 months early.
The AI advisor found $420/month in subscriptions and recurring charges I'd completely forgotten about. That money went straight to my credit card debt. I'll be debt-free by March now instead of 2028.
Your debt-free future starts today.
Join thousands of people using Trovifi to build a real plan, stay on track, and become debt-free faster than they thought possible.
No credit card required • Free forever plan available • Cancel anytime