Text Hutsy
Send a message to get started — no app to download, no forms to fill out.
Helping people stay ahead of their money.
Send a message to get started — no app to download, no forms to fill out.
Tell Hutsy what you’re working toward — debt, savings, or your first $10k.
Securely link your bank (read-only). Hutsy texts you the smartest move daily.
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financial institutions
One simple plan. Everything included.
One simple price. No hidden fees, ever — you’re only charged once you subscribe. Cancel anytime.
Yes. Hutsy connects through Plaid with bank-level encryption and read-only access — it can see your transactions to help you, but it can never move, touch, or withdraw your money.
Hutsy is your AI financial coach — personalized guidance to help you reach your goal. That said: Hutsy is not a bank, financial institution, or licensed financial advisor. Information and insights provided through Hutsy are for informational purposes only and should not be considered financial, legal, or investment advice. Financial data is securely accessed through third-party integrations and may be subject to delays or inaccuracies. Always verify important financial decisions independently.
Nope. Hutsy lives entirely in your text messages. There’s nothing to download, no login to remember — just text and go.
You pick one goal, and Hutsy focuses on it relentlessly. It reads your real income, bills, and spending, then texts you the single smartest move each day — like “put $40 here today and save $180 in interest.”
Only when it has something genuinely useful to say — usually a few meaningful messages a week, plus instant answers whenever you text a question. Hutsy never spams you.
That’s exactly who Hutsy is for. You don’t need to know anything about finance — Hutsy reads your situation and tells you the next best move in plain language. No judgment, ever.
Pick one goal, connect your bank in two minutes, and let Hutsy text you the smartest move every day — debt, savings, credit, and more.
Get Started TodayDownload the app for iOS or Android below.
Download the app for iOS or Android below, and get $250 when you sign up with our partner bank. Conditions apply
Hutsy Financial Corp. (“Hutsy,” “we,” “our,” “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our website and services.
1. Information We CollectWe share limited data only with:
We do not sell or train AI models on identifiable user data.
4. Storage & SecurityData is encrypted in transit and at rest. We host data in Canada or the United States using certified providers. Access is restricted to authorized employees and partners only.
5. Your RightsUnder the Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial laws, you may:
We retain data only as long as necessary to deliver services or meet legal obligations, after which it is securely deleted.
7. Contact UsQuestions or requests? Email contact@hutsy.com.
Welcome to Hutsy. By using our website, dashboard, or AI Co-Pilot (collectively, the “Services”), you agree to these Terms.
1. EligibilityYou must be at least 18 years old and a resident of Canada to use Hutsy.
2. Subscription & BillingHutsy charges a $10 CAD monthly subscription through Stripe.
Payments renew automatically until cancelled in your dashboard (Settings → Subscription).
Refunds are not issued for processed payments.
3. Service DescriptionHutsy provides AI-driven credit guidance and access to loan offers from independent lenders. Hutsy is not a bank or direct lender and does not guarantee loan approval.
4. User ResponsibilitiesYou agree to:
All data collection and processing are governed by our Privacy Policy. You authorize Hutsy and its partners to obtain your credit information when you connect accounts.
6. DisclaimersServices are provided “as is.” Hutsy makes no warranties regarding credit improvement, loan approval, or financial outcomes.
7. Limitation of LiabilityHutsy is not liable for indirect or consequential damages arising from your use of the Services. Maximum liability shall not exceed the amount you paid in the past 6 months.
8. TerminationYou may cancel anytime. We may suspend or terminate your access for misuse or non-payment.
9. Governing LawThese Terms are governed by the laws of Ontario and applicable Canadian federal law.