Hutsy is an AI-powered personal finance management and tracking app designed to help you make smarter money decisions every day.

By securely connecting your bank and financial accounts, Hutsy analyzes your activity and delivers clear, data-driven insights — helping you track existing debt, avoid fees, and improve your financial health with confidence.

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💡 WHAT HUTSY DOES
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Once connected, Hutsy helps you:

• Track rising credit utilization
• Monitor your financial profile daily
• Flag potential overdraft risks
• Identify recurring charges draining cash
• Calculate smart payment targets for existing balances
• Track savings rate and cash flow trends
• Monitor late payment risk

No spreadsheets.
No guessing.
No generic advice.

Just clear financial insights powered by AI.

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🔎 HOW IT WORKS
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1️⃣ Securely connect your financial accounts
2️⃣ Receive personalized alerts based on real activity
3️⃣ Track key financial metrics, including:

• Credit Score insights
• Credit Utilization
• Monthly Cash Flow
• Savings Rate
• Overdraft Risk
• Late Fee Risk

4️⃣ Take clear, actionable steps to manage your financial position.

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👥 BUILT FOR PEOPLE WHO
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• Are tracking their credit building journey
• Want to manage and reduce existing debt
• Live paycheck to paycheck
• Want better budgeting clarity

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⚠️ IMPORTANT DISCLAIMER & EDUCATIONAL EXAMPLE
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Hutsy is strictly a financial tracking, management, and educational tool. We do NOT originate, provide, or broker personal loans, credit cards, or any lending products.

Because our educational tools help users understand debt, here is a required representative example of how a standard personal loan works for educational purposes only:
• Minimum period for repayment: 65 days
• Maximum period for repayment: 84 months
• Maximum Annual Percentage Rate (APR): 35.99%
• Representative Example: If you were to borrow $1,000 over a 12-month period at an APR of 10%, the monthly payment would be $87.92. The total amount repayable would be $1,054.99, with a total cost of $54.99.

Again, this is an example only. Hutsy does not offer loans, does not require repayment periods, and does not charge an APR. All app data is based on the analysis of your existing, user-connected accounts.

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Your money decisions shouldn’t feel overwhelming.

Hutsy gives you clarity, control, and smarter financial awareness — powered by AI.