NEW
OBBB-compliant, Repayment Assistance Plan (RAP) is live in the simulator
Pricing
Simple, advisor-first pricing.
One plan, priced per seat. Unlimited clients, scenarios, and reports, no per-import or per-PDF fees, no feature tiers, no surprises when a client has a complex history.
MonthlyAnnualSave $120/yr
✓ Unlimited active clients, always included
Advisor plan
Everything you need to run a student-loan planning practice. Unlimited clients, every planning feature, your own branding, one price per advisor.
$89/ advisor
/ month
/ month
Billed annually at $1,068 / advisor · or $99 billed monthly
Start Free- ✓Unlimited active clients
- ✓RAP plus every federal repayment plan
- ✓IDR & PSLF modeling and tracking
- ✓Private & consumer-loan planning
- ✓NSLDS Drop import + bulk parser
- ✓Side-by-side scenario comparisons
- ✓Client-ready PDF reports
- ✓Priority email and in-app chat support
- ✓White-label client reports with your firm’s branding
- ✓Your own disclaimer on every client report
- ✓Student loan and SAI calculators on up to 2 of your own websites
- ✓Claude and ChatGPT: run your client book inside either assistant
Any change to your rate comes with at least 30 days notice. Building on the engine instead? The REST API and MCP server have their own rates, from $49 a month: finology.tech/developers.
How we compare
Free is the most expensive tool you own.
Spreadsheets, public calculators, general-purpose AI, outsourced consultants, every alternative looks cheaper on your valuable time. Then you realize you’re building a path to the primary trusted advisor, and it isn’t you.
AI is genuinely good at the arithmetic. Student-loan planning is mostly not arithmetic.
Free · plus 3–4 hrs / client
Spreadsheets
Excel, Sheets, scratch math you re-derive every release.
- ✕Not designed for advisors
- ✕No PII / GLBA compliance
- ✕No client-ready visuals or branded PDFs
- ✕No PSLF tracking
- ✕Not current with OBBB / RAP
Free · not built for advisors
Public calculators
Borrower-facing tools with no PII protection.
- ✕Built for borrowers, not advisors
- ✕No PII / GLBA compliance
- ✕No branded PDF reports
- ✕No PSLF tracking or federal depth
- ✕No year-over-year data retention
Free · no record of what it saidSee a worked example, $110,200 apart →
General-purpose AI
Chat assistants answering from training data, with nothing verifying the number.
- ✕No cited source or as-of date on the number
- ✕No record if a recommendation is questioned later
- ✕No client file, starts over every session
- ✕Optimizes payoff, not forgiveness or plan eligibility
- ✕No branded client deliverable
Or connect it to ours.
Finology Software is in the Claude Connectors Directory and the ChatGPT plugin directory. Every line above changes.
Open in Claude →Expensive · per-client engagement
Outsourced consultants
You rent the expertise, and the client relationship.
- ✕Cost scales with every client
- ✕You don’t own the work or the data
- ✕Builds their trusted-advisor relationship, not yours
- ✕No in-house tool for next time
- ✕Slower turnaround
Finology Software does all of it, for one flat seat.Advisor-built · GLBA-minded · OBBB/RAP-current · branded reports · PSLF tracking · year-over-year retention.
Trusted by advisors
Used by firms that take student-loan planning seriously.
“Etch Financial has changed the financial planning landscape by being one of the first RIAs devoted to individuals with student loan debt. A core component of our strategy is leveraging Finology Software to create mini-financial plans for clients and give them confidence they’re making the right choices with their federal student loan debt.”
Ryan S. Galiotto, CFP®Founder, Etch Financial & Student Loan Help Network“Finology Software doesn’t just handle finances, they empower clarity. Their guidance helped me make smarter decisions with total confidence.”
Bob ChitrathornWealth Planning by Bob Chitrathorn · Uses Finology Software inside Claude“Using Finology Software has been an excellent way for us to incorporate student loan planning into our broader holistic financial planning process. Most planning software doesn’t have the capability to do detailed student-loan calculations, so Finology Software is much needed!”
Brittany BrinckerhoffHilltop Wealth Advisors · Review on Trustpilot“When Alex introduced our firm to Finology’s ease of producing alternate model scenarios for our clients, mostly young Attending and Resident Physicians, it was immediately clear that it would be key to engaging them in comprehensive planning agreements. To date every client that has seen the results of Finology’s analysis has also engaged our firm with at least one other service.”
“It continues to get better over time. I have loved all the improvements”
“This is a great student loan planning and reporting tool! It’s constantly being improved and upgraded, which I really appreciate.”
Pricing FAQ
Pricing, billing, and the fine print.
Is the 7-day trial really free?+
Yes. No card is needed to start the 7-day trial. You get full access to the advisor plan: RAP and every federal plan, IDR and PSLF tracking, private-loan planning, and NSLDS import. Client-ready reports unlock once you subscribe. Add a card in the app to keep your subscription after day 7; otherwise the trial simply ends. One trial per firm.
What’s included?+
Everything you need to run student-loan planning: unlimited active clients, RAP plus every federal repayment plan, IDR and PSLF modeling, private and consumer-loan planning, NSLDS Drop import, side-by-side scenarios, and client-ready PDF reports, all for one price per advisor.
Is there more than one plan?+
No. There is one advisor plan and it includes everything: unlimited clients, RAP plus every federal repayment plan, IDR and PSLF modeling, private and consumer-loan planning, NSLDS import, scenario comparisons, and client-ready reports under your own firm’s branding. No add-ons, no feature gates. The per-seat price is the same at any team size. Firms with 11 or more seats are priced by arrangement.
Do you bill per client, per import, or per report?+
No. It’s one price per advisor seat, unlimited clients, imports, scenarios, and reports. No per-client, per-import, or per-PDF fees, ever.
Monthly or annual, what’s the difference?+
Monthly is $99 per advisor. Annual is $89 per advisor (billed $1,068/yr), which saves $120 a year. Same full feature set either way.
Does a billing or office admin need a paid seat?+
No. An owner or admin can switch their own seat to a Billing Admin seat in Settings, under Users. It keeps user management, billing and company settings, isn’t counted in your bill, and can’t open clients, plans or reports. At least one paid advisor seat has to remain.
Can I cancel anytime?+
Yes. You can cancel whenever you like, there’s no long-term contract.
Student-loan advising starts here.
Ready to bring student loans into your practice? Start Free and see what it says.
Start FreeOnboarding in under 60 seconds