Meet your on-page Ai Financial Advisor—a fast, friendly way to plan money with clarity. Build a simple budget, test what-if scenarios, compare debt-payoff strategies, and translate finance jargon into plain English.

This assistant is designed for individuals, families, freelancers, and small business owners who want practical, educational guidance before talking to a professional. It helps you sketch numbers, stress-test assumptions, and make more informed next steps—educational only, not financial/investment/tax advice.

Ready to try it? Open the chat and type your goal (e.g., “create a $2,500 monthly budget with 15% savings”). You can start free—no sign-up required—via our free ai chat experience.

What It Is & Who It’s For

The Ai Financial Advisor is a conversational planning assistant that helps you sketch budgets, compare debt-payoff paths, and understand money concepts in plain English. It’s designed for educational guidance and quick scenario testing—not personalized financial, investment, or tax advice. It doesn’t connect to bank accounts or show real-time market data; it works best with ballpark numbers you provide.

Who it’s for

Individuals & families

Create a monthly budget, set savings targets (emergency fund, trips, down payment), and spot easy expense wins.

Freelancers & creators

Estimate income variability, map quarterly cash flow, and plan for taxes and irregular expenses. Pairs well with the Free AI Tax Assistant for tax basics.

Students & new grads

Compare student-loan payoff approaches, start a simple saving habit, and understand credit scores and interest.

Small business owners

Sketch a lightweight profit & loss view, estimate break-even, and outline fixed vs. variable costs. Consider the Free Ai Business Strategy & Innovation Expert for growth ideas.

New investors & the curious

Learn the differences between ETFs and mutual funds, fees vs. returns, and risk vs. reward—without security-specific recommendations. For deeper research methods, see the Free Ai Research & Analysis Specialist.

Educational use only. For decisions that affect your finances, consult a licensed professional in your country.

Key Features & Capabilities

Budget builder (fast)

Spin up a simple monthly budget in seconds. Get auto-bucketed categories (housing, utilities, groceries, transport, debt, saving) plus a quick savings-rate snapshot.

Highlights

• Clear income vs. expenses balance.
• Savings-rate nudges (e.g., 12% → 15% scenarios).
• Copy-ready tables you can paste into a spreadsheet.

Goal-based planning

Map targets like an emergency fund, a trip, a down payment, or retirement basics using ballpark assumptions you provide.

Highlights

• Timelines and monthly contribution estimates.
• Multiple goals prioritized side-by-side.
• Educational guidance only—no personalized advice.

What-if scenarios & sensitivity tables

Test assumptions safely: vary savings rate, debt interest, inflation, or expected return ranges to see outcome bands.

Highlights

• Side-by-side scenarios (base / optimistic / conservative).
• Sensitivity tables to stress-test key inputs.
• Plain-English takeaways to avoid overfitting.

Debt payoff planner (snowball vs. avalanche)

Compare strategies by months to debt-free and total interest saved across credit cards, loans, and student debt.

Highlights

• Ordered payoff sequence with rationale.
• Optional emergency-fund buffer before acceleration.
• Caution notes for prepayment penalties and fees.

Freelancer & small-business cash flow

Sketch irregular income, seasonal swings, and quarterly planning. Pair with the Free AI Tax Assistant for tax basics and with the Free Ai Business Strategy & Innovation Expert for pricing and growth ideas.

Highlights

• Month-by-month cash-flow view.
• Simple break-even and runway estimates.
• Separate “set-aside” for taxes and emergencies.

Simple portfolio checkup (educational)

Understand diversification, fees, and risk levels without security-specific recommendations. For research methods, try the Free Ai Research & Analysis Specialist.

Highlights

• Expense-ratio awareness and fee drag examples.
• Risk buckets explained in plain language.
• No individualized investment picks.

Savings & expense optimizer

Find quick wins with category-level suggestions and percentage-based targets (e.g., a 50/30/20 lens adapted to your inputs).

Highlights

• Line-item nudges with monthly impact.
• One-time vs. recurring savings ideas.
• Gentle trade-off notes (comfort vs. cost).

Jargon decoder

Translate finance terms—APR vs. APY, ETF vs. mutual fund, compounding, dollar-cost averaging—into short, practical explanations.

Prompt templates (copy-paste)

• “Create a $3,200 monthly budget targeting 15% savings; show a table by category.”
• “List snowball vs. avalanche steps for these debts: [balances, APRs, minimums].”
• “Show best-, base-, and conservative-case scenarios for saving $10,000 in 12 months.”
• “Sketch a simple break-even for a café: fixed costs $5,000/mo; margin 65%.”

Export & reuse

Ask for outputs as clean tables or bullet lists you can drop into Sheets/Excel. Optionally request CSV-like formatting.

Multi-currency phrasing

Use your currency symbols and local terminology. Note: no real-time market data, regional regulation nuances, or bank connections.

Important: This tool provides educational guidance only and does not replace licensed financial, investment, or tax advice. For complex decisions, consult a qualified professional in your jurisdiction.

How It Works

1) Start for free

Open the chat on this page and click Start chatting. You can begin with the Free plan—no sign-up required.

2) Pick a plan (optional, for longer sessions)

• Free: 20,000 tokens/day (great for quick budgets and simple scenarios).
• Pro — $19.99/month: 200,000 tokens/day (larger reports and deeper what-ifs).
• Premium — $179/year: 300,000 tokens/day (best value for heavy use).
  See details or upgrade anytime on the Subscribe page: https://free-ai.chat/subscribe/

3) Describe your situation with ballpark numbers

Share your monthly income, typical expenses, debts (balances, APRs, minimums), savings goals, and timeframe. Add your currency symbol if helpful.

4) Ask for a format

Request the output you prefer:

• Budget table by category with totals
• Debt payoff schedule (snowball vs. avalanche)
• Three-case scenario table (base / optimistic / conservative)
• CSV-like lines for easy copy to Sheets/Excel

5) Iterate and refine

Follow up with “increase savings to 15%,” “show fees impact,” or “extend timeline to 18 months.” Ask for step-by-step math checks to verify the calculations.

6) Save or reuse

Copy tables or bullet lists directly into your spreadsheet or notes. Re-run scenarios when your numbers change.

Input checklist (quick)

• Income range and pay frequency
• Expense categories (estimates are fine)
• Debts: balance, APR, minimum payment
• Goals: target amount + deadline
• Risk tolerance (low/medium/high) for educational scenarios

Safety & privacy reminders

• Don’t paste bank logins, account numbers, card details, or IDs.
• This assistant offers educational guidance only—not financial, investment, or tax advice. For tax questions, consider using the Free AI Tax Assistant alongside this tool.

Practical Use Cases & Short Examples

1) Personal budget tune-up

Quickly balance income vs. expenses and set a target savings rate.

• Try this prompt: “Create a $2,800 monthly budget with a 15% savings target. Show category totals and my leftover amount.”
• What you’ll get: A clean table by category, savings rate, and surplus/deficit note.

2) Debt payoff plan (snowball vs. avalanche)

Compare time to debt-free and total interest saved.

• Try this prompt: “Debts: Card A $1,900 @ 24% min $45; Card B $1,200 @ 19% min $30; Loan $5,000 @ 8% min $110. Show snowball vs. avalanche.”
• What you’ll get: Ordered payoff steps, estimated months, and interest comparison.

3) Emergency fund roadmap

Estimate how long it takes to reach 3–6 months of expenses.

• Try this prompt: “Monthly expenses $1,900. I can save $300/mo. Build a plan for a 4-month emergency fund and show milestones.”
• What you’ll get: Monthly targets, buffer suggestions, and optional fast-track ideas.

4) Beginner investing concepts (educational)

Understand diversification, fees, and risk levels—no security-specific picks.

• Try this prompt: “Explain ETFs vs. mutual funds and how expense ratios affect long-term returns. Keep it simple.”
• What you’ll get: Plain-English explainer with fee-drag examples. For methods, see Free Ai Research & Analysis Specialist.

5) Freelancer cash-flow view

Plan for variable income, taxes, and quarterly obligations.

• Try this prompt: “Freelance income varies $1,500–$3,000/mo. Fixed costs $900. Build a 6-month cash-flow with a 25% tax set-aside.”
• What you’ll get: Month-by-month table, set-aside line, and runway estimate. Pair with Free AI Tax Assistant.

6) Small business break-even sketch

Estimate units or revenue needed to cover fixed costs.

• Try this prompt: “Café fixed costs $5,000/mo; average margin 65%; avg ticket $8. What’s my monthly break-even in units and revenue?”
• What you’ll get: Break-even units/revenue, sensitivity for margin/ticket. For strategy ideas, try Free Ai Business Strategy & Innovation Expert.

7) Savings challenge planner

Turn a goal into weekly or bi-weekly steps.

• Try this prompt: “Help me save $1,200 in 16 weeks; show weekly targets and 3 expense cuts to fund it.”
• What you’ll get: Weekly schedule, quick-win cuts, and progress checkpoints.

8) Student-loan strategy (educational)

Outline payoff options and trade-offs based on balances, rates, and goals.

• Try this prompt: “Student loans: $14,000 @ 5.2% and $8,600 @ 6.8%. Budget extra $120/mo. Compare payoff sequences and total interest.”

Educational use only. Not financial, investment, or tax advice. For complex decisions, consult a licensed professional in your country.

Tips & Best Practices

Give clear inputs (ballpark is fine)

• Net monthly income (range works: e.g., $2,800–$3,100).
• Expense buckets: housing, utilities, groceries, transport, debt, savings.
• Debts: balance, APR, and minimum payment.
• Goals: target amount + deadline (e.g., “$10,000 by March 2026”).

Use prompt patterns that work

• “Build a monthly budget table for [income] with a [X%] savings target.”
• “Compare snowball vs. avalanche for these debts: [list]. Show time to debt-free and total interest.”
• “Create base/optimistic/conservative scenarios for saving [amount] in [months].”
• “Show a freelancer 6-month cash-flow with [tax %] set-aside.”

Ask for step-by-step math

Request intermediate numbers and formulas (e.g., interest per month, cumulative totals). If something looks off, say “recalculate and show steps.”

Plan with ranges, not single guesses

Use three-case tables and sensitivity checks (APR, inflation, savings rate). This reduces overconfidence and highlights trade-offs.

Keep liquidity first

Before accelerating debt payoff, consider a small emergency buffer. Ask the assistant to simulate “$1,000 buffer first, then extra to highest APR.”

Sanity-check key ratios (educational)

• Savings rate (e.g., 10–20% starting point).
• Months of emergency fund (e.g., 3–6 months as a learning target).
• Debt-to-income signals (qualitative, not approvals).
  These are learning anchors, not rules. For complex planning, consult a licensed professional.

For freelancers & small businesses

• Separate fixed vs. variable costs; estimate break-even.
• Add a tax set-aside line item.
• Model seasonality with conservative revenue.

Optimize safely (fees, risk, and timelines)

Ask for fee-drag examples and plain-English risk notes. Avoid security-specific picks—this tool is educational only.

Format for reuse

Ask for tables or CSV-style output, include your currency symbol, and request brief takeaways you can paste into Sheets/Excel.

Privacy & safety

Don’t paste bank logins, account numbers, IDs, or card data. Use estimates and anonymized figures.

Educational guidance only—not financial, investment, or tax advice. Validate numbers and consider speaking with a licensed advisor for decisions that affect your finances.

Limitations & Disclaimers

Educational use only

This assistant provides general, educational guidance to help you think through budgets, debt strategies, and money concepts. It is not financial, investment, legal, or tax advice and does not create an advisor–client relationship.

Not personalized or comprehensive

Outputs are based solely on the information you enter and common rules of thumb. The tool does not assess your full financial situation, objectives, or risk tolerance like a licensed professional would.

Accuracy & completeness

Calculations and explanations may contain errors, simplifications, or omissions. Interest rates, fees, inflation, and regulations change over time. Always verify numbers independently and consider speaking with a licensed advisor before making decisions.

Jurisdictions & taxes

Financial and tax rules vary by country and even by region. Examples are illustrative and may not apply to your location. Consult official sources and a qualified tax professional for filings or compliance matters.

Investments & market risk

No security-specific recommendations are provided. Past performance does not guarantee future results. Investing involves risk, including possible loss of principal. Scenario projections are educational estimates only.

Debt strategies & credit impact

Snowball/avalanche plans are simplified. Prepayment penalties, refinancing costs, and credit-score effects may apply. Check lender terms and consider professional guidance.

No real-time data or account connections

The assistant doesn’t connect to bank/brokerage accounts and doesn’t display live market data. All figures are user-provided or illustrative.

Suitability & emergencies

This tool isn’t suitable for urgent financial crises. If you’re facing immediate hardship or potential default, consider contacting a licensed financial counselor or relevant local support services.

Use this assistant as a learning and planning aid, then validate critical decisions with a licensed professional in your country.

Privacy & Data Handling

Use approximate numbers

Share rounded figures (e.g., “about $3,000 income,” “~$1,200 rent”). Avoid personally identifiable information.

Do not enter sensitive data

Please do not paste bank logins, account numbers, card details, national IDs, passwords, or private documents. This assistant doesn’t need them to generate plans.

Text-only inputs

The assistant works from the text you type. It doesn’t connect to bank, brokerage, or credit accounts, and it doesn’t pull live market feeds.

Your responsibility

Treat all outputs as generated content. Verify calculations independently and consult a licensed professional for decisions that impact your finances.

Storage & policies

Chat content may be processed to deliver the service. For how data is handled on this site, review the website’s Privacy Policy and Terms. If you’re unsure, keep inputs minimal and anonymized.

Exports & sharing

When copying results to spreadsheets or notes, avoid including sensitive identifiers. Keep only the numbers you need (balances, APRs, due dates).

Third-party references

Links to external resources are for convenience only. They may have their own data and cookie policies—review them before using.

Keep it simple and safe: use rounded numbers, no secrets, and double-check important figures.

Plans & Pricing

Choose a plan that matches your workload. All plans include the same on-page chat experience and educational guidance.

Free — great for quick planning

• 20,000 tokens/day
• No sign-up required
• Ideal for a monthly budget, a debt comparison, or a few what-if scenarios

Pro — $19.99/month

• 200,000 tokens/day
• Better for longer sessions, multi-goal plans, and deeper scenario tables
• Upgrade or cancel anytime on the Subscribe page

Premium — $179/year

• 300,000 tokens/day
• Best value for heavy, ongoing use and frequent recalculations
• Annual plan for consistent capacity and bigger projects

How upgrades work

• You can start on Free and upgrade when you hit the daily cap.
• Plan limits reset daily. If you run out, come back tomorrow or choose a higher plan.
• See full details and manage your plan on /subscribe/: https://free-ai.chat/subscribe/

Note: Pricing and limits may change. Check the Subscribe page for the latest details.

FAQs

Start Planning Now

Ready to turn numbers into a clear plan?
Click below to open the chat and send your first goal (e.g., “Build a $2,500 monthly budget with 15% savings.”)

Start Free Ai Chat

• No sign-up required on the Free plan
• Copy-ready tables for Sheets/Excel
• Educational guidance only—not financial, investment, or tax advice

Want more headroom for longer sessions? Upgrade anytime on the Subscribe page.