Found $80/month in unused subscriptions.
Cash balance is ahead of your goal.
Pay this card — saves you $95 in interest fees.
You’ll make it to payday with $140 to spare.

Monitoring
$25M+
in user assets.

Helping people stay ahead of their money.

How it worksThree steps.

Get Started Today
01

Text Hutsy

Send a message to get started — no app to download, no forms to fill out.

02

Pick Your Goal

Tell Hutsy what you’re working toward — debt, savings, or your first $10k.

03

Connect Your Accounts

Securely link your bank (read-only). Hutsy texts you the smartest move daily.

Connect 0+
financial institutions

Price

It pays for itself
by February.

One simple plan. Everything included.

Hutsy Membership
$15per month

One simple price. No hidden fees, ever — you’re only charged once you subscribe. Cancel anytime.

  • The smartest next money move, texted to you
  • Unlimited money questions, answered by text
  • Overdraft and bill warnings before they hit
  • Forgotten-subscription hunting
  • Better loan rates from 50+ lenders
Get Started Today
Why iMessage?

Hutsy lives where you already text.

Designed around a conversation, not a dashboard.

FAQ

Questions, answered.

Is my bank information safe?

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.

Is Hutsy a financial advisor?

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.

Do I need to download an app?

Nope. Hutsy lives entirely in your text messages. There’s nothing to download, no login to remember — just text and go.

How does Hutsy actually help me reach my goal?

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.”

How often will Hutsy text me?

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.

What if I’m not good with money?

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.

Get Started

Reach your goal,
one text at a time.

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 Today
Phone showing a conversation with Hutsy

BRAND is your AI financial coach, not a bank, financial institution, or licensed financial advisor. Information and insights provided through BRAND 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.

*By texting BRAND, you agree to receive recurring automated messages, including proactive financial alerts, at this number. Msg frequency varies. Msg & data rates may apply. Reply STOP to opt out, HELP for help. You must be 18+. Loan offers are presented through our lending marketplace partner MoneyLion and its network of 50+ lenders; BRAND does not originate loans, and rates, terms, and approval are determined solely by the lender. Being matched with an offer is not a guarantee of approval. See our Messaging Terms & Privacy Policy.

© 2026 Hutsy. All rights reserved. Back to top ↑

One app to negotiate lower bills, track subscriptions, and save effortlessly!

Download 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

Privacy Policy

Last Updated: October 23, 2025

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 Collect
  • Account information – name, email, phone number, and payment details collected through Stripe.
  • Credit & financial data – obtained through trusted third-party partners (e.g., Plaid and credit bureaus) only after you provide consent.
  • Usage data – login activity, browser type, device information, and interactions with our AI Co-Pilot.
  • Communication preferences – whether you choose text or WhatsApp for updates.
2. How We Use Your Information
  • Provide and personalize your Hutsy experience.
  • Display monthly credit updates and insights.
  • Send notifications, reports, and offers from our lender network.
  • Detect and prevent fraud or unauthorized access.
  • Comply with legal and regulatory requirements in Canada.
3. Sharing Information

We share limited data only with:

  • Service providers (Stripe, Plaid, credit bureaus) who process information on our behalf.
  • Lending partners when you request pre-qualified offers.
  • Regulatory authorities when legally required.

We do not sell or train AI models on identifiable user data.

4. Storage & Security

Data 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 Rights

Under the Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial laws, you may:

  • Request access or corrections to your personal data.
  • Withdraw consent at any time (may limit service functionality).
  • File a complaint with the Office of the Privacy Commissioner of Canada.
6. Retention

We retain data only as long as necessary to deliver services or meet legal obligations, after which it is securely deleted.

7. Contact Us

Questions or requests? Email contact@hutsy.com.

Terms of Service

Last Updated: October 23, 2025

Welcome to Hutsy. By using our website, dashboard, or AI Co-Pilot (collectively, the “Services”), you agree to these Terms.

1. Eligibility

You must be at least 18 years old and a resident of Canada to use Hutsy.

2. Subscription & Billing

Hutsy 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 Description

Hutsy 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 Responsibilities

You agree to:

  • Provide accurate information.
  • Use the Services only for personal, lawful purposes.
  • Keep login credentials secure.
5. Data Use

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. Disclaimers

Services are provided “as is.” Hutsy makes no warranties regarding credit improvement, loan approval, or financial outcomes.

7. Limitation of Liability

Hutsy 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. Termination

You may cancel anytime. We may suspend or terminate your access for misuse or non-payment.

9. Governing Law

These Terms are governed by the laws of Ontario and applicable Canadian federal law.

Get early access!

Join the waitlist to get early access to Hutsy — your AI-powered financial assistant that watches your money 24/7.