Faithful Finance is the only personal finance app built from the ground up on biblical principles — combining smart budgeting, giving, AI coaching, and real monthly rewards into one beautiful platform.
“The plans of the diligent lead to profit.” — Proverbs 21:5
Every other finance app was built for accumulation. Faithful Finance is built for stewardship — managing God's resources with wisdom, generosity, and joy.
| Feature | Faithful Finance ✦ Faithful Finance | Monarch Money | YNAB |
|---|---|---|---|
| Biblical 10-10-80 budget framework | Yes | ||
| Tithe & giving tracker | Yes | ||
| AI coach with biblical wisdom | Yes | ||
| Monthly gift card drawing rewards (coming soon) | Yes | ||
| Challenges & gamification | Yes | ||
| Household / couples finance | Yes | ||
| Teen Investing course | Yes | ||
| Money personality & wellness tools | Yes | ||
| Faith-based courses & community | Yes | ||
| Bank account sync (Plaid) | Yes | ||
| Mobile apps (iOS & Android) | Yes |
Based on publicly available feature information. Subject to change.
One app. Every tool you need to manage money with biblical intentionality.
AI generates your personalized budget based on the 10-10-80 framework — 10% saving, 10% giving, 80% living. Edit every line manually or let AI do the heavy lifting.
Track every donation with a giving spirit. See your tithe percentage, total giving history, and get automated giving insights. Faith meets generosity, measurably.
Ask your AI coach anything about your finances — powered by biblical wisdom. Get personalized budget insights, spending alerts, and encouragement rooted in Scripture.
Beautiful charts show exactly where every dollar went: money-flow Sankey diagrams, category breakdowns, 12-month cash flow, and subscription audits.
Connect all your accounts securely via Plaid. Transactions sync automatically, get categorized, and flow into your budget — checking, savings, credit cards, investments.
Set savings goals — emergency fund, house down payment, dream trip — and watch progress in real time as you hit milestones. Faith-based encouragement along the way.
Map every debt, compare payoff strategies (avalanche vs snowball), and see your exact debt-free date. Freedom is a plan, not a wish.
Manage money as a couple or family. Shared dashboards, household challenges, and accountability — building financial unity the way it was meant to be.
Complete financial challenges — no-spend weeks, savings streaks, giving goals — earn XP and badges, and get entered into monthly gift card drawings (coming soon).
Project your retirement readiness, visualize compound growth, and build a plan to retire with dignity and generosity. A future worth stewarding toward.
Connect brokerage and retirement accounts, review holdings, override cost basis, track crypto, and keep your portfolio in one stewardship view.
Add primary homes, rentals, vacation properties, land, and inherited property so net worth reflects the assets you steward beyond bank accounts.
Steward Pro tracks RSUs, stock options, ESPP, vesting schedules, and potential value so complex compensation does not stay invisible.
A 5-module investing curriculum for teens ages 13–18. 15 self-paced lessons covering compound growth, index funds, stewardship, and a 90-day action plan. Includes interactive calculator. $29.99 one-time.
Discover your money personality type through a biblical lens. Understand your habits, strengths, and blind spots — then apply them with faith-based wellness reflections.
Share wins, join leaderboards, find accountability partners, and celebrate each other's stewardship journeys. You're not in this alone.
No finance degree required. Faithful Finance meets you where you are.
Link your bank accounts, credit cards, and investments securely through Plaid. Your transactions sync automatically — no manual entry.
Answer a few questions and let AI craft your personalized 10-10-80 budget. Adjust any amount manually. Set your tithe goal. You're in control.
Watch your budget in real time, complete faith-based challenges, earn XP, and work toward monthly gift card drawings — coming soon.
Unlike apps that just track your spending, Faithful Finance gives you a biblical framework for every dollar:
Every subscription includes the Biblical Stewardship Crash Course at no extra cost. Go deeper with our optional one-time, lifetime-access courses below.
What is biblical stewardship, and what does it look like in practice? 4 modules, 8 lessons, a quick quiz after each module — plus 25 raffle tickets when you finish. No extra cost with any active subscription.
Learn the power of early investing, compound growth, and biblical stewardship. 5 modules, 15 lessons, self-paced. Build wealth while you're young and set yourself up for generational success.
Understand the power of time, opportunity cost, and stewardship principles.
Build income, create an emergency fund, and budget for investing.
Learn stocks, bonds, index funds, and how to open your first account.
See compound growth, visualize your future, and use our interactive calculator.
Create your 90-day action plan, sign the stewardship pledge, and plan your future.
No subscription required. Purchase standalone or alongside the full app. Includes interactive compound growth calculator and 90-day action plan.
The only finance app that gives you real rewards for hitting your goals — not just a dopamine hit.
No-spend days, savings streaks, giving milestones — over 20 challenges designed around biblical financial principles.
Level up as a steward. Earn badges like "Debt Slayer," "Faithful Giver," and "Budget Master" as you hit milestones.
Earn drawing tickets by completing goals and challenges. Drawings are coming soon — every ticket you earn today will count.
Friendly competition with your household or anonymous community — who completed the most challenges this week?
Pair with a trusted friend or spouse. Share goals, celebrate wins, and hold each other to your commitments.
A new community challenge every week. Complete it with others and climb the leaderboard together.
Earn tickets by completing budgets, hitting savings goals, and finishing challenges. Every ticket you earn today will count when drawings go live.
Your AI Coach isn't just another chatbot. It knows your budget, your transactions, your giving history, and your goals — and it responds with wisdom rooted in Scripture.
Native iOS and Android apps with the full Faithful Finance experience — budgets, giving, analytics, challenges, and community — wherever you are.
Money is better managed together. Whether you're a couple building a shared future, a family teaching kids stewardship, or looking for an accountability partner — Faithful Finance has you covered.
“Whoever can be trusted with very little can also be trusted with much.”— Luke 16:10
Faithful Finance is built to help you prove that trust — one budget, one gift, one challenge at a time.
Your financial data is sacred. We protect it like it is.
Investments are included in Steward. Go Pro for equity compensation and advanced portfolio analytics. Courses sold separately.
billed yearly ($99.99/yr)
or $12.99/mo billed monthly
billed yearly ($179.88/yr)
or $17.99/mo billed monthly
Optional Courses
5 modules · 15 lessons · Self-paced. Faith-based investing curriculum for teens. Covers compound growth, index funds, stewardship, and includes an interactive calculator. No Steward subscription required — purchase standalone.
Everything you need to know about Christian budgeting with Faithful Finance.
Faithful Finance is a Christian personal finance app that combines smart budgeting, tithe and giving tracking, bank account syncing, debt payoff planning, retirement projections, and AI coaching rooted in Scripture — all built on the biblical 10-10-80 stewardship framework.
Monarch Money and YNAB are excellent general-purpose budgeting tools, and Mint shut down in 2024. Faithful Finance is the only full-featured finance app designed specifically for Christians: it puts giving first with a built-in tithe tracker, structures your budget around the biblical 10-10-80 principle, offers an AI coach that answers with Scripture-informed wisdom, and adds faith-based challenges, courses, and community — alongside the bank sync, analytics, and household features you expect from a modern finance app.
The 10-10-80 rule is a biblical budgeting framework: give the first 10% of your income (tithe and offerings), save the next 10% (emergency fund, goals, retirement), and live wisely on the remaining 80%. Faithful Finance builds your entire budget around this principle automatically, and you can adjust every category to fit your season of life.
Yes. The giving tracker records every tithe, offering, and donation, shows your giving as a percentage of income, tracks progress toward your tithe goal, and keeps a full giving history — useful for both spiritual reflection and tax season.
Yes. Bank connections are handled by Plaid, the same service trusted by thousands of financial apps. Access is read-only, your bank credentials are never shared with us, every connection uses 256-bit TLS encryption, and we never sell your data.
The Steward plan is $8.33/month billed yearly ($99.99/yr) or $12.99/month billed monthly, and includes budgeting, bank sync, tithe tracking, AI coaching, goals, debt tools, investments, and iOS and Android apps for you plus your spouse. Steward Pro adds equity compensation and advanced portfolio analytics for $14.99/month billed yearly. The Teen Investing Course is a one-time $29.99 purchase with lifetime access.
Yes. Every Steward subscription covers you plus your spouse with shared household dashboards, joint goals, household challenges, and accountability features — so you can build financial unity together.
Yes. Faithful Finance has native iOS and Android apps with the full experience: budgets, bank sync, giving tracker, AI coach, analytics, challenges, community, and biometric login.
Join a growing community of stewards managing money with purpose, generosity, and biblical wisdom. From $8.33/mo — everything included.
$8.33/mo billed yearly ($99.99/yr) · $12.99/mo billed monthly · Cancel anytime