# Advizel: Calm Money Advisor — Know what's safe to pay today > Calm financial advisor suggests safest daily debt payment based on real balances. (iPhone/iPad app by Advizel LLC.) - Source: https://appshunter.io/ios/app/advizel-calm-money-advisor/id6804871774 (this page in markdown: same URL + `.md`) - Developer: [Advizel LLC](https://appshunter.io/developer/6804871776) - Category: Finance - Price: Free - Rating: 5.00/5 from 1 App Store ratings - Age rating: 17+ - Requires: iOS 15.1 · 61 MB - Languages: American English - Released: 2026-09-17 - Data updated: 2026-11-10 - Monetization: free ## What is Advizel? Advizel is a calm financial advisor for people who earn well and are still underwater. Most money apps hand you a dashboard and more homework. Advizel does the thinking and hands you one thing: the single safest amount you can send toward your debt today, and the reason why. WHAT I DO • One move a day. I read your real balances, bills and income rhythm, project your cash forward, and tell you what is genuinely safe to send right now — not a budget target, an amount your actual month can absorb. • See what's coming. I learn when you get paid and what leaves your account, so I can tell you about a tight day before it arrives instead of after. • See which debt costs you most. I rank your balances by what they actually cost you, and show what each payment does to your payoff date. • Find money already yours. Forgotten subscriptions, duplicate charges, a savings account earning nothing — I surface them and tell you what each one is worth. • Answer real questions. Ask about your own numbers in plain English and get an answer built from your actual accounts, not a generic article. WHAT I WILL NEVER DO • Never move your money. Advizel is read-only, always. I can see your accounts; I cannot touch them. You make every payment yourself, in your own bank app. • Never shame you. No red numbers, no streak punishment, no urgency tricks. Hard information arrives with the plan attached, in the same breath. • Never sell your data. Not to lenders, not to advertisers, not to anyone. I am not paid by any product I might mention, and I take no referral fees. • Never pretend to know things nobody knows. I do not predict markets or pick investments. When something needs a CPA, a fee-only advisor or a nonprofit credit counselor, I say so and point you at one. HOW IT WORKS You connect your accounts read-only through Plaid — the same service used by most major finance apps. Your bank login is never stored by Advizel. Every figure you see is calculated, not guessed at — and the app shows its working, so you can check the math yourself. WHO IT'S FOR People earning a real income who are carrying real debt and are tired of being treated either as broke or as a portfolio. If you have done the math in your head at 3am, this was built for you. Advizel is a general information tool. It is not a bank, not a lender, and not a registered investment adviser, CPA or credit counselor. ## Key features - Daily safest debt payment suggestion - Cash flow projection - Debt cost analysis - Identification of forgotten subscriptions - Plain English financial questions and answers - Read-only account access ## Is Advizel safe? Not enough ratings yet to assess Advizel. ## Is Advizel legit? Advizel: Calm Money Advisor has limited verification signals. The AppsHunter Legitimacy Score for Advizel is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Frequently asked questions about Advizel ### How does Advizel help manage debt? Advizel analyzes your real balances, bills, and income rhythm to project your cash flow. It then provides a single, safest amount you can send towards your debt each day, explaining the reasoning behind the suggestion. ### Is Advizel secure with my financial information? Advizel connects to your accounts read-only through Plaid, a trusted service. Your bank login is never stored by Advizel, and the app explicitly states it will never sell your data to third parties. ### Can Advizel move my money or make payments for me? No, Advizel is strictly a read-only tool. It will never move your money or make payments on your behalf. You retain full control and will make all payments yourself through your own bank app. ### What kind of financial advice does Advizel offer? Advizel focuses on providing actionable insights like the safest daily debt payment, identifying high-cost debts, and surfacing forgotten subscriptions or duplicate charges. It avoids market predictions or investment advice. ### Does Advizel have ads? No, Advizel is ad-free. The app is not paid by any products it might mention and does not take referral fees, ensuring unbiased recommendations. ### What devices does Advizel support? Advizel is currently supported on iPhone and iPod devices, as indicated by its platform compatibility. ### How often is Advizel updated? The latest version of Advizel is 2.1, and it was last updated on November 7, 2026. This suggests a relatively active development cycle. ### What is the age rating for Advizel? Advizel has an age rating of 17+, suggesting it is intended for mature users who can understand and manage complex financial information. ## Version history (last 5 releases) ### 2.1 — 2026-11-07 Bill calendar: tap any day to see what's due. Numbers that match: interest, debts and payoff figures now agree from screen to screen. Debts you haven't connected, like an auto loan, now show in your picture. Your daily review and monthly report name each payment and explain each figure. Taxes and deductions show clear totals and a first step. Bank logos on your accounts. Faster when you come back to the app. Ask Advizel gives clearer answers about bills and payments. One-tap unsubscribe from the weekly email. Many fixes for large text sizes. ### 2.0.0 — 2026-11-04 • A new look: Today reads like a short report, with your step for the day first. • Charts and color in place of long text, across the app. • Bills shows a calendar of what's coming. • Progress shows how far you've come, as a picture. • Accounts: your money at a glance. • "Can I afford it?" compares your options side by side. • Clearer answers from Ask Advizel. • Large text fits better. ### 1.0.3 — 2026-11-04 • A simpler Today: what you owe, today's step, and why. • A short tour the first time you open the app. • Bills, goals and settings now live under More. • Progress shows what moved on each card. • Choose a check-in reminder, or none. • Pay a card in full each month? Say so, and it leaves your payoff plan. • Mark an account as business, and its cash stays out of what I suggest. • "Is this a bill?" on Bills; one row per Apple price. • Reconnect sooner when your bank is about to disconnect. ### 1.0.2 — 2026-10-14 • A loan that has ended no longer stays in my figures as if it were still due. • More accurate figures around card payments. • Clearer questions when I haven't seen a payment, with an answer for a month when nothing was due. • Your bills are now one tap from Today. • Your 30-day outlook includes bills that come every 3, 6 or 12 months. • Subscriptions now finds yearly ones, ones billed through Apple, Google or PayPal, and the same service on two cards. • Plainer wording throughout, and many accuracy fixes. ### 1.0.1 — 2026-10-07 • New tabs: Today, Accounts, Progress and You, with Ask Advizel in the middle. • Four new charts: your next 30 days on Today, your payoff path on Plan, each debt on Accounts, and your card payments by month on Progress. • When a bank stops sending updates I say so plainly, with a Reconnect button beside it. • Ask Advizel now reads the same figures as Today, and card minimums show to the cent. • Larger text fits on every screen. ## Apps similar to Advizel | App | Rating | Price | Category | | --- | --- | --- | --- | | [ClearOwn](https://appshunter.io/ios/app/clearown/id6774967710) | — | Free | Finance | | [Budget.](https://appshunter.io/ios/app/budget/id6777996097) | — | Free | Finance | | [moneyMORE: Gambling Debt Help](https://appshunter.io/ios/app/moneymore-gambling-debt-help/id6736508415) | — | Free | Finance | | [Debt Payoff Planner: Snowball](https://appshunter.io/ios/app/debt-payoff-planner-snowball/id6790320555) | — | Free | Finance | | [Debtless: AI Debt & Budget](https://appshunter.io/ios/app/debtless-ai-debt-and-budget/id6749647254) | 4.0 (4) | Free | Finance | | [MizuFlow — Wealth & Allocation](https://appshunter.io/ios/app/mizuflow-wealth-and-allocation/id6780352827) | 5.0 (17) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-11-10.*