FaithFi

What FaithFi is

FaithFi is a free-to-download personal finance app published by FaithFi: Faith & Finance, LLC, a Georgia limited liability company at 3301 Windy Ridge Pkwy SE #50, Atlanta, operating under the 501(c)(3) Kingdom Advisors. It sits beside the Faith & Finance daily broadcast, the quarterly Faithful Steward magazine, a library of digital studies and devotionals, a community forum, and a directory of Certified Kingdom Advisors, which the site is careful to note are "not employed or supervised by Kingdom Advisors."

Inside the app you set up accounts, connect them through Plaid if you are paying, and work a set of Rhythms: a daily three-minute check-in, a weekly review and a monthly reset. Articles, devotionals and podcast episodes surface alongside the numbers. It runs on iOS 16.6 and later, iPadOS, Android, the web, macOS 13.5 on Apple silicon and visionOS 1.0, in English only.

Integration is the claim - and it holds on one side only

FaithFi's marketing rests on one sentence: it is "the only app that integrates biblical training with practical budgeting tools." Taken narrowly that is defensible. No other budgeting app ships a daily stewardship broadcast, a quarterly magazine, a study library and a moderated community inside the same product. EveryDollar carries Ramsey teaching but sells the courses separately, Goodbudget carries no teaching, and Crown teaches at length with no app.

Taken as a buying argument it is weaker than it sounds, because the halves are not equally gated. The teaching is free to anyone with a podcast player. The budgeting is only usable at $8.99 a month, because a budget app that cannot see your bank is a spreadsheet with a devotional attached. The integration a free user actually experiences is teaching plus manual data entry - so a reader who values the teaching most, which is the stronger asset, can take all of it for nothing and budget elsewhere without losing anything FaithFi holds exclusively.

What the paywall actually divides

The line between free and Pro is not the usual one. In most budgeting apps the free tier connects a bank and the paid tier adds analysis; here the free tier connects nothing. The support centre lists what Pro unlocks: unlimited connected accounts across checking, savings, loan and investment accounts, automatic transaction imports so that transactions "automatically pull through," auto-categorisation, automatic envelope funding, custom envelopes, custom envelope groups, transaction splitting, and access to custom insights and reports on spending trends.

Read that list backwards and you have the free tier: a hand-maintained ledger with default envelopes, no automatic funding, no splitting and no reports. The corroborating detail is what happens on the way out. When Pro lapses, the support centre says, "you will lose access to your current bank" connections; imported accounts and history remain visible but stop updating. Free is not a smaller version of the product so much as a different one.

Rhythms, and the content shelf behind them

Rhythms is FaithFi's scheduling layer for attention rather than money. The daily rhythm is billed as "a 3-minute check-in that shapes your money and your heart," the weekly one is a lighter review meant to "stay on track without getting overwhelmed," and the monthly one is a reflect-and-reset pass. It is the mechanism by which devotional content gets in front of someone who opened the app to categorise a grocery charge, and it is the most distinctive thing in the interface.

The shelf it draws from is substantial: articles, devotionals grounded in biblical wisdom, Faith & Finance podcast episodes, guided reflection and a community discussion area. Faithful Steward is the quarterly print and digital magazine; free users get up to three premium magazine articles a quarter against the full archive on Pro, which also opens the unlimited digital studies. The gating is fair enough, but it gates convenience rather than doctrine, since the broadcast carrying most of the same teaching is free on every podcast platform.

Plaid, and what the disclosures say

Account connections run through Plaid. FaithFi names it on the app site, claims industry-leading 256-bit encryption and says it is "never storing sensitive account details." The app analyses historical transactions to recommend a starting plan and applies smart categorisation that "learns as you go," recognising familiar merchants and assigning future transactions automatically.

The disclosures are where the seams show. Apple lists Purchases, Financial Info, coarse Location, Contact Info, User Content, Identifiers, Usage Data and Diagnostics as linked to you, and nothing used to track you. Google Play summarises collection as "Location, Personal info and 5 others" and asserts "No data shared with third parties" - for an app whose core feature is an external aggregator. The written policy names no aggregator and no vendor, warns that "We cannot guarantee the safety and privacy of data you provide to any third parties," and says FaithFi does "not knowingly solicit data from or market to children under 18" while the App Store rates the app 4+. Deletion is by resetting the account in device settings or emailing support@faithfi.com.

Pricing

Where FaithFi falls behind

No bank connection on the free plan. Goodbudget's permanently free tier gives 20 envelopes, one account and two devices; EveryDollar's free tier is manual but hands you the full zero-based budget; FaithFi's free tier is manual and connects nothing. Among the apps in this category it is the least usable unpaid, which matters because free is how most people evaluate a budgeting app before committing.

Two user counts and two audience counts, both live. The App Store description says "over 75,000 believers" and the app site says "over 70,000 active believers." The About page describes serving over a million radio and podcast listeners every day while the app site cites a podcast reach of 1.5 million. Neither pair is reconciled anywhere on FaithFi's own properties, and a reader deciding whether this is a large community or a modest one gets no clean answer.

A 3.6 rating on Android. The iOS listing sits at 4.1 from 92 ratings, small enough that a handful of reviews moves it, and Google Play sits at 3.6 from 160 ratings on 10,000-plus installs, with reviewers reporting blank pages, slow loads, sync errors and one wrong balance. For a product whose function is arithmetic on your money, sync reliability complaints are the ones that should weigh heaviest.

No accounts of its own. The publisher is a Georgia LLC, and an LLC does not file a Form 990. Accountability runs through the parent instead: Kingdom Advisors, EIN 20-8690051, FY2025 revenue $9,285,022 against expenses of $8,477,149, with Rob West compensated $329,750 as CEO and Sharon Epps $292,229 as President, and more than 3,800 professional members in the Certified Kingdom Advisor programme. MinistryWatch records ECFA membership since 2020 and a donor confidence score of 95 out of 100, but grades transparency a C, largely for want of an easily located statement of faith.

FaithFi vs. EveryDollar vs. Goodbudget

On budgeting mechanics alone, FaithFi is the middle option. Goodbudget is the envelope specialist, with a permanently free tier of 20 envelopes, one account and two devices, and Premium at $10 a month or $80 a year. EveryDollar is Ramsey Solutions' zero-based option, free for manual budgeting and $17.99 a month or $79.99 a year for Premium. FaithFi at $8.99 a month or $74.99 a year is the cheapest paid tier of the three - but the only one whose free tier cannot show you a bank balance, so its price advantage is partly an artefact of where it draws the line.

On teaching, the comparison inverts. Crown Financial Ministries, the other ministry descended from Larry Burkett's work, gives away a seven-stage Money Map, charges $29.95 a course and $49.95 once for a volunteer budget coach, and has no app. FaithFi is the only product here that ships daily stewardship content inside the budgeting interface. If you want Scripture in the loop rather than bolted on, it is the only one of the four that puts it there by default.

Which points to a recommendation FaithFi will not like. A reader who wants both halves at their best should take Faith & Finance free on any podcast app, subscribe to the newsletter, join the free community, and run the numbers in Goodbudget's free tier or EveryDollar's. That combination costs nothing and gives up only convenience, because FaithFi gates the packaging rather than the teaching. Pay for Pro when one login is genuinely worth $74.99 a year, or when you would have supported the ministry anyway - both are good reasons, and neither is a claim that the budgeting engine beats YNAB or Goodbudget on its own terms.

Alternatives to FaithFi

EveryDollar★ 4.7Ramsey's zero-based budgeting app, free for manual budgeting and $17.99/mo or $79.99/yr for Premium. Twice FaithFi's price on a far larger base at 4.7 from 83,926 ratings, and it assumes the Baby Steps in order.→Goodbudget★ 4.6The envelope purist: a permanently free tier with 20 envelopes, one account and two devices, then $10/mo or $80/yr for Premium. No teaching content at all, but the free tier is genuinely usable, which FaithFi's is not.→Crown Financial Ministries★ 3.8The other ministry descended from Larry Burkett, founded 1976 and an ECFA member since 1988. A free seven-stage Money Map, $29.95 courses and a volunteer budget coach for one $49.95 payment - real coaching, no app.→YNAB★ 4.8The envelope method taken seriously, with no free tier: $14.99/mo or $109/yr after a 34-day trial. Roughly $34 a year more than FaithFi Pro for a stronger budgeting engine and a 4.8 from 60,942 ratings, and nothing devotional.→Monarch Money★ 4.9A net-worth and investment tracker first and a budget second, at $14.99/mo or $99.99/yr with no free tier. The right pick if your question is what the portfolio is doing rather than which envelope the grocery run came from.→

More Budgeting & Stewardship Apps

Monarch Money★ 4.9The strongest general-purpose money tracker in this category and the one with no method attached - it shows you everything you own and owe, brokerages included, and declines to tell you what to do about it. No free tier at any price, and not a Christian product.→YNAB★ 4.8A zero-based budgeting method with software attached, sold at $14.99 a month or $109 a year with no free tier of any kind - and the most expensive way to discover you were never going to do the weekly work.→AdelFi★ 4.8AdelFi is a member-owned Christian credit union, not a budgeting app, and its most important fact contradicts its own app listing: the credit union tells members "By members' choice, this institution is not federally insured," while the App Store description ends "Federally insured by NCUA" - two statements that cannot both be true.→EveryDollar★ 4.7Ramsey Solutions' zero-based budgeting app, relaunched in January 2026, with a genuinely usable free tier and every piece of automation behind a paywall - and it only makes sense if you have already decided to work the Baby Steps in order.→Goodbudget★ 4.6Digital cash envelopes from Dayspring Technologies, with the only permanently free tier among the serious budgeting apps and a paid tier that quietly added the bank syncing Goodbudget was once famous for refusing - the free plan is still manual entry, but that is now a price point rather than a principle.→Subsplash★ 5.0The all-in-one church platform megachurches keep choosing - fully custom-branded apps across phone, web, and TV that make a 5,000-member ministry feel like an Apple keynote.→