Secure Your Founding Member Allocation · PILVI launches June, 2026
REAL NUMBERS — NO JUDGMENT.
Your debt, finally made clear.
PILVI is the premium AI coach built for one thing - getting you out of debt and to financial freedom.
It talks you through it—real conversation, not a plan you follow alone. It shows you exactly what your debt is costing you, the fastest way out, and the path to where you want to be: free, building, and in control.
Real numbers from your real accounts, never guessed. No judgment. No ads. No agenda.
Privacy by Design
Your financial data stays yours, read-only via PLAID.
Never sold, never used to train global AI models.
Seeing your debt clearly is the first step to beating it.
Your budgeting app tracks the past. PILVI™ is the dedicated specialist that gets you out of debt.
More than a static plan you follow alone, it is an ongoing, supportive conversation that talks you through the math you can trust, all the way to debt-free. See the interest you didn't know you were paying, identify which card to pay off first, and take action—one calm, honest step at a time.
How it works
Connect your accounts.
Securely link your bank, credit card and savings through Plaid — the same service used by Venmo, Chime, and Robinhood. Read access only. PILVI only ever reads your data. PILVI never moves money, never make changes, never acts on your accounts.
Talk through the reality.
PILVI talks you through what you owe, what it's costing you, and where the weight sits—real, adaptive dialogue with absolutely no judgment.
Get your plan - Beat debt.
PILVI shows you exactly what your debt costs you, which debt to pay first, and the one next step — every number from your real accounts, never guessed. You always decide.
Everything PILVI does to help you beat your debt.
Most people carrying debt don't actually know what it's costing them each month — because looking felt too hard. PILVI changes that. It connects to your real accounts, shows you exactly what your debt costs you in real numbers, and tells you the one clear step to take next. Calm. Judgment-free. Nothing made up.
See what your debt really costs you
PILVI shows the interest you pay every month, to the cent.
Know which debt to pay first
PILVI finds your most expensive debt and the fastest way out.
Real numbers, never guessed
Every figure comes from your real accounts, computed, never invented.
Track the weight coming off
Watch your debt and your progress as you pay it down.
No judgment, ever
PILVI never makes you feel bad about where you are.
Built to keep your money safe.
Read-only access always
PILVI can see your money.
Not move it.
Bank-level encryption
Bank grade security. Your login never touches our servers.
All explained in detail
See the math behind every recommendation. In plain English.
Your data stays yours
Never sold. Never advertised against. Never used to train our model. Period.
Subscription
Start with 1 month free. See exactly what your debt is costing you.
Unlock the full plan to keep exploring.
No success fees, no percentage of savings, no hidden charges — ever.
14-day refund window.
Common questions.
Most financial apps are generalists—they are built to track spending, find savings, or show your net worth. Even apps with paid debt features, like Cleo, act as automated plan-generators buried inside a larger app suite, often using a "roast" or shame-heavy brand tone.
PILVI is a dedicated specialist focused entirely on getting you from debt to financial freedom. Instead of a static spreadsheet or a manual dashboard you have to maintain alone, PILVI is a premium conversational AI coach you actually talk through it with. It combines code-computed, deterministic accuracy with a completely calm, judgment-free space to systematically eliminate your debt.
A specialized AI system built for one purpose: helping you understand and pay off your debt with real, verifiable numbers.
Not a general-purpose chatbot. Architecture patent pending.
We are launching publicly in 2026. Join the waitlist and you will get an email the day PILVI goes live — plus early access before public launch.
No. PILVI is an AI analytics engine that helps you understand your finances and make better decisions. For specific investment, tax, or legal advice, consult a licensed professional.
Yes. PILVI uses Plaid for read-only bank access — the same service trusted by Venmo, Chime, and Robinhood. Your bank login never touches our servers. We can see your money. We cannot move it.
No. PILVI charges only the stated subscription price. We do not negotiate bills, we do not take a percentage of your savings, we do not charge for actions. Just clear intelligence.
PILVI analyzes your financial data to give you personalized intelligent feedback. Your data is never sold. We never train AI models on your identifiable financial information. You can disconnect or delete your account anytime in two taps.
No. PILVI is read-only. It analyzes your accounts and gives you intelligent feedback. We never move money, never make changes, never act on your accounts. You decide everything.
$12.99/month or $99/year (saves $56.88 — equivalent to 4+ months free). One flat subscription,
no success fees, no hidden charges. Cancel anytime from inside the app.
Through Plaid, PILVI supports 12,000+ U.S. banks and credit unions including Chase, Bank of America, Wells Fargo, Capital One, Citi, Ally, SoFi, Charles Schwab, and most major institutions.
Yes — in two taps from inside the app. No retention calls, no email hoops, no friction. Cancel and your subscription ends at the end of the current billing period.
Yes, PILVI can be wrong — that's why every recommendation shows the math you can verify yourself, and PILVI always defers to your decision. PILVI is a coach, not an autopilot.
PILVI launches its early-access beta exclusively for residents of Ohio and Florida. We are actively working with regulators to add more states throughout 2026 and beyond. If you live outside OH or FL, you can still join the waitlist from any U.S. state—we will prioritize your region based on demand and email you the moment we clear regulatory gates in your area.
Your account data is processed by our proprietary model running on our own infrastructure. Bank credentials never touch our servers — handled exclusively by Plaid. We do not sell data, we do not share with advertisers, and we do not train AI on your identifiable financial information.
PILVI is a financial wellness coaching app. We are not a licensed financial advisor, broker, or money services business — and we explicitly do not provide investment, tax, or legal advice. For those questions, PILVI will direct you to a licensed professional.
If you move to a state where PILVI is not yet available, your access continues until your current subscription period ends. After that, your account pauses until PILVI launches in your new state.
Because spreadsheets don't talk, dashboards don't coach, and calculators don't understand how overwhelming debt feels. Most financial tools treat reaching $0 as a cold, transactional endpointgiving you a rigid plan and leaving you to struggle through it entirely alone.
PILVI is completely different because it is built as a dedicated, conversational specialist. It is the first premium AI debt coach that actually talks you through the process in a real, adaptive dialoguecombining absolute, code-computed precision with a completely calm, judgment-free space.
We don't just show you how to systematically wipe out your highest-interest debt; we keep the vision of your life beyond debt in clear view. Because getting out of debt isn't the finish lineit’s the starting line to a future of building, wealth, and true financial independence.
Secure your Founding Member allocation today. Get your first month entirely free, with no credit card required, no hidden fees, and absolutely no commitment. Let's get to your starting line together.
Be first when
PILVI launches.
Join the waitlist. Get an email the day PILVI goes live —
plus a chance at early access before public launch.