# PsyFi AI: Financial Wellness — Budgeting Without the Anxiety > Budgeting Without the Anxiety (iPhone/iPad app by The Rajma Company Inc..) - Source: https://appshunter.io/ios/app/psyfi-ai-financial-wellness/id6786187034 (this page in markdown: same URL + `.md`) - Developer: [The Rajma Company Inc.](https://appshunter.io/developer/6786187036) - Category: Finance - Price: Free with in-app purchases - Age rating: 17+ - Requires: iOS 16.4 · 75 MB - Languages: American English - Released: 2026-07-21 - Data updated: 2026-08-26 - User reviews in markdown: https://appshunter.io/ios/app/psyfi-ai-financial-wellness/id6786187034/reviews.md ## What is PsyFi AI? Why is doing the right thing with money so difficult? Classical economics assumes people are perfectly rational wealth maximizers, but behavioral science shows otherwise. We face choice overload when building portfolios, anxiety during market volatility, and cash flow drift from subscription creep. PsyFi is an AI-driven financial wellness platform built to close the gap between financial intention and daily execution. By combining secure account aggregation with behavioral psychology, PsyFi helps you spot bias-driven patterns, build better habits, and stay aligned with long-term goals. HOW PSYFI WORKS Step 1: Connect and Assess Securely link your bank, credit card, loan, and investment accounts. Complete the PsyFi Goals and Personality assessment to map how you think about money, risk, and spending. Step 2: Behavioral Analysis PsyFi's AI engine analyzes your transaction and portfolio data to surface cognitive biases, friction points, and spending leaks. The product is grounded in a library of 85+ behavioral science principles used across coaching, insights, and habit design. Step 3: Your Personalized Action Plan Get a dynamic roadmap with behavioral nudges, habit streaks, journaling prompts, and direct access to FY, your AI financial coach. CORE FEATURES Real-Time AI Coaching Move past static monthly reports. PsyFi delivers timely behavioral insights as your data updates, and you can tap any insight to continue the conversation with FY for personalized guidance when decisions matter most. Subscription and Spending Awareness Combat subscription creep and payment decoupling. PsyFi surfaces recurring charges and translates small monthly costs into clearer annual impact so passive leaks become conscious choices. Investment Behavioral Insights During market volatility, PsyFi highlights bias-driven patterns (such as panic selling or overconfidence) and provides context to support calmer, long-term decisions. PsyFi does not execute trades; it coaches you through better decision-making. Future-Self and Projection Tools Address short-term bias with visual dashboards, wealth projections, and progress framing that turn distant goals into present motivation. Habit Building and Journaling Build sustainable saving and reflection habits with streaks, challenges, and structured journaling designed to reinforce behavior change without relying on willpower alone. DATA PRIVACY AND SUBSCRIPTION PsyFi uses secure, encrypted connections to link your financial accounts. We do not sell your financial data, and we do not earn commissions from product recommendations. Premium unlocks advanced AI models, personalized coaching with FY, behavioral insights, consolidated dashboards, projections, and the full web experience. One subscription works across mobile and web. Subscription Terms Payment is charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless canceled at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours prior to the end of the current period. Manage or cancel anytime in App Store account settings after purchase. Terms of Use (EULA): https://www.psyfiapp.com/terms-and-conditions Privacy Policy: https://www.psyfiapp.com/privacy-policy ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | PsyFi Premium Monthly | $9.99 | per month | | PsyFi Premium Annual | $69.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | PsyFi Credits 500 | $3.99 | one-time | | PsyFi Credits 1000 | $6.99 | one-time | | PsyFi Credits 2500 | $19.99 | one-time | | PsyFi Credits 1500 | $9.99 | one-time | | PsyFi Credits 2000 | $14.99 | one-time | ## Version history (last 5 releases) ### 2.0.5 — 2026-08-24 - Coming back? Tap "Existing user" on the welcome screen to sign in faster. - Notifications now take you straight to the right screen when you tap them. - Fixed an issue where your money personality insight could get stuck loading after setup. - Performance improvements and bug fixes throughout. ### 2.0.4 — 2026-08-20 - New Money Personality quiz to personalize insights - Faster bank connections with search, logos, and popular picks - 7-day trial starts when you connect an account - Quick goal setup and improved pre-connection dashboard - More features available during the trial, including net worth, transactions, and budgets - Improved AI insight wording and readability ### 2.0.3 — 2026-08-19 * Smart notifications: We’ll nudge you when you’re nearing a budget, hit a savings goal milestone, or a linked account needs reconnecting. * Trial & billing reminders: Never lose access to Fy by surprise. * Fixes & polish: Cleaned up duplicate investment holdings and improved performance. ### 2.0.2 — 2026-08-12 - Set and track financial goals right from the Progress Hub - Redesigned Progress Hub with a cleaner goals-on-track summary - Smarter Investments tab — clearer allocation and holdings insights - Daily check-in streaks now count correctly - Performance and stability improvements ### 2.0.1 — 2026-08-10 - New Goals tab: track your registered-account progress (rings + priority list) and add your own goals - Dividend tracker in Investments, plus a cleaner Invest overview - Budget planner added to the Save tab - Amounts now show in your correct currency (CA$/$) everywhere - Fixed duplicate accounts after reconnecting a bank, and the Money & Mood streak now counts correctly ## Related topics [psyfy](https://appshunter.io/ios/topics/psyfy) --- *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 2026-08-26.*