Finology Software is one plan at one per-advisor price, with unlimited active clients. There is no per-client fee, no per-report fee, and no feature tier to upgrade into. This is the plain version of what it costs and what you get.
What it costs
| Billing | Per advisor | What you pay |
|---|---|---|
| Monthly | $149 / month | Cancel anytime |
| Annual | $129 / month | $1,548 / year, saving $240 |
| Five or more advisors, monthly | $119 / month | Applies to every seat |
| Five or more advisors, annual | $105 / month | Applies to every seat |
The team rate is not a discount on the seats past the fourth. From your fifth advisor it applies to every seat you hold, which is why five advisors on monthly billing costs slightly less than four.
What is included
Everything. White-label client reports, the client portal, discoverability in the Find an Advisor directory, an embeddable calculator for your own site, and multi-state licensing are all part of the single advisor plan. We do not sell add-ons, and there is no version of the product that models federal repayment more accurately than the one you are on.
Every plan starts with a free trial, and both billing options carry the same features and the same unlimited client count.
If you already subscribe
This pricing took effect with the September 2026 change. Anyone subscribed before it keeps the rate they started on for as long as the subscription stays active. That is not a promotional window. It is how we have handled every price change.
Whether it pays for itself
The honest test is not the subscription. It is whether student loan planning is a service line you intend to actually run. If it is, the arithmetic is not close: a single Parent PLUS consolidation decision or one misread PSLF track routinely moves five figures for the client, against an annual seat of $1,548.
Ryan Galiotto, founder of Etch Financial, built roughly $12 million of net new AUM in a year from student loan planning engagements. That is one firm in one year and it is not a promise about yours. It is the shape of the opportunity when the service line is run deliberately rather than offered on request.
The more common version is smaller and steadier: a client arrives with a loan question, gets an answer nobody else gave them, and stays for the rest of the plan.
Built for the rules as they are now
Pricing is the easy half of the decision. The harder half is whether the software is current. Federal repayment changed on July 1, 2026: SAVE is gone, PAYE is closed to new enrollment, and the Repayment Assistance Plan is the default for new borrowers. Finology Software models RAP, IBR, PAYE, ICR and PSLF under the current rules, flags the plans a given loan can no longer elect, and prices the tax on a forgiven balance rather than leaving it out.
If you are comparing vendors, we wrote a neutral checklist for it: How to Choose Student Loan Repayment Software.
See the full breakdown on the pricing page, or start a free trial at finology.tech. Already have an account? Log in.
Run a client-ready repayment plan in minutes
Every number sourced, every path compared. Model RAP, the new Standard, IBR, PAYE, ICR and PSLF side by side.
