Keep more money
with Hutsy.

Free to join. No app, no login — just a text.

Hutsynow

Your phone bill is $34 higher than similar plans. You could save about $408/year by switching.

Hutsynow

I found an internet plan that could save you $25/month for similar service. That’s $300/year.

Hutsynow

You’re paying $47/month for subscriptions you barely use. Want me to show you which ones?

Hutsynow

Your car insurance may be costing you more than necessary. I found an option that could save you $420/year.

Keep more money without changing your lifestyle.

From rising bills and unused subscriptions to better deals on services you already pay for, Hutsy finds opportunities to save and texts you when something matters.

Hutsynow

Your phone bill is $34 higher than similar plans. You could save about $408/year by switching.

Hutsynow

I found an internet plan that could save you $25/month for similar service. That’s $300/year.

Hutsynow

You’re paying $47/month for subscriptions you barely use. Want me to show you which ones?

Hutsynow

Your car insurance may be costing you more than necessary. I found an option that could save you $420/year.

Your money texts back.

Stay on top of spending, make smarter money decisions, and get a text when something matters.

Message Hutsy…

Your money texts back.

Stop checking everything yourself.

Hutsy watches your money in the background and brings the important updates, savings opportunities, and next steps straight to you.

Without Hutsy

Chase CheckingChecking account $892.41
RobinhoodInvestments $4,231.50
Capital OneCredit card -$1,204.17
Credit card due Thursday$1,204.17 · Capital One
Spending this month $2,84012% from last month

Too many apps. Too much guessing.

With Hutsy

Hutsy

Rent clears Friday. You’ll still have about $94 left for flexible spending.

Hutsy

Your phone bill is $34 higher than similar plans. That’s about $408/year.

Hutsy

You’re paying $47/month for subscriptions you barely use.

Which ones should I cancel?

Two streaming apps and a gym pass.

One conversation. Clear next steps.

Questions, answered.

Everything you need to know about how Hutsy works, what it costs, and how it can help you.

Hutsy is a money companion that lives in your texts. It helps you finish each month with more money than you started with by keeping an eye on your spending, bills, and subscriptions, and by finding better offers on bills you’re already paying.

Anyone who wants to feel more on top of their money without another app or spreadsheet. It’s especially useful if you’re tired of checking your bank, keep getting surprised by bills, or want a simple way to stay on track each month.

No. You can start manually by telling Hutsy a few numbers. Connecting your bank lets Hutsy track your month automatically.

Chequing, savings, and credit cards from most banks. Connecting is optional. You can start by just texting Hutsy.

Your bank connection runs through Plaid, a secure third-party provider, so Hutsy never sees or stores your bank login. Hutsy can see your balances and transactions, but it can’t move money or make payments. We don’t sell your personal data.

Yes, anytime. Reply STOP and Hutsy stops texting you.

Still have a question? Ask Hutsy.

Message Hutsy

Hutsy is your AI financial coach, 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.

*By texting Hutsy, 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; Hutsy 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.