At Finology Software, our mission is simple: help financial advisors save time, deliver compliant and personalized student loan guidance, and strengthen their role as a client’s primary trusted advisor. For years, we’ve provided advisors and firms with enterprise-ready tools that replace spreadsheets, streamline workflows, and save clients money.
Access to Finology Software originally came through an annual subscription of $1,068 ($89 per month equivalent). Advisors told us the annual option works well, but many prefer the flexibility of a month-to-month plan as they grow their practice.
That’s why we offer a monthly subscription alongside it. Both options include unlimited clients and the full platform.
Current Pricing
- Annual: $1,068 per year ($89/month equivalent), saving $120 per year
- Monthly: $99 per month, cancel anytime
- Pro add-on: +$59 per advisor per month on top of either plan. Pro adds live loan data through Plaid, white-label client reports, and inbound borrower leads.
Every plan starts with a free trial, and both billing options include the same features and unlimited active clients. You can see the full breakdown on our pricing page.
This gives advisors the ability to choose the plan that best fits their business model and cash flow. Whether you’re just starting to incorporate student loan planning or scaling an established practice, Finology Software meets you where you are.
According to XYPN data, the average financial planner makes just $7,000 in their first year of operations, a difficult reality for new firms trying to build momentum. Finology Software helps close that gap by accelerating client acquisition. By offering student loan planning, advisors can deliver immediate, tangible value that resonates with millions of borrowers. This not only opens the door to new client relationships but also positions advisors for ongoing financial planning engagements, transforming year-one revenue potential.
Why Advisors Choose Finology Software
- Plans in Minutes: Advisors with proper training, such as CCFC credential holders or those who’ve completed the Student Loan Help Network education, can create a repayment plan in minutes using Finology Software.
- Built-In ROI: The savings uncovered in student loan planning often more than cover the financial planner’s ongoing fees, reinforcing long-term client relationships.
- Documented Growth: Student loan planning powered by Finology Software helped Ryan Galiotto, founder of Etch Financial, grow his firm’s AUM by $1 million per month in 2024.
Why It Matters
- Flexibility: Start with a monthly plan to explore the platform without a long-term commitment.
- Savings: Stay on an annual plan to lock in the lower rate and save $120 per year.
- Same Features, Same Impact: Both plans include the full suite of tools, no compromises.
Ready for the July 2026 Loan Rules
Pricing is only half the decision. Federal repayment changed on July 1, 2026: SAVE is gone, and the new Repayment Assistance Plan (RAP) is now the only income-driven option for new loans. Finology Software models RAP, IBR, PAYE, ICR, and PSLF under the new rules, so every plan you build reflects current law. If you are catching up on the changes, start with our July 1 explainer and our step-by-step guide to switching into RAP.
Designed for Advisors Who Value Time and Trust
Across two generations of software, Finology Software has been trusted by over 1,000 advisors managing $1B+ in student loans. Our platform is SOC 2 ready, built for enterprises, and proven to help advisors save time, replace spreadsheets, and guide clients toward smarter financial decisions.
With both pricing options, annual and monthly, it’s easier than ever to get started.
Run a real repayment plan for any borrower in minutes
Every number sourced, every path compared. Model RAP, the new Standard, IBR, PAYE, ICR and PSLF side by side.
