Secure Your Founding Member Allocation · PILVI launches June, 2026
REAL NUMBERS — NO JUDGMENT.
The number you've been avoiding made manageable.
You're not bad with money. You're overwhelmed.
PILVI is your debt coach — it shows you exactly what your debt costs you, in real numbers from your real accounts, never guessed. And the one step to take next. Calmly. No judgment
Privacy by Design
Your data is processed in a secure proprietary environment and never used to train global AI models. We keep your financial data within our own bank-grade intelligence layer.
Your bank data stays yours — read-only via PLAID
No investment advice. No ads. No agenda.
No credit card required. No commitment
PLAID secured · NVIDIA Inception · Read-only access
Seeing your debt clearly is the first step to beating it.
A debt coach that never makes up your numbers -
and never makes you feel bad about them.
Most finance apps just show you the past. PILVI shows you what your debt is actually costing you — and the calmest, fastest way out. The interest you didn't know you were paying. Which card to pay off first. One step at a time, in real numbers from your real accounts.
PILVI™ does that work. By securely connecting to your accounts through PLAID, PILVI analyzes your real-time cash flow to identify what actually matters.
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.
PILVI looks at your debt
PILVI reviews what you owe, what it's costing you, and where the weight sits — calmly, no judgment.
Get your plan
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.
Hiro shut down in 2026 after being acquired by OpenAI. PILVI is a separate product built independently — designed for people who want what Hiro promised but with the math and the safety it could not deliver.
Those apps track and display your data.
PILVI is a debt coach: it shows you exactly what your debt costs you and the fastest way out, in real numbers from your real accounts — never guessed, never invented.
And it never makes you feel bad about where you are.
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 first in Ohio and Florida. We're working with regulators to add states throughout 2026 and beyond. Join the waitlist from any U.S. state — we'll email you the moment PILVI launches 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.
No. PILVI is a financial wellness coaching service. It does not give investment, tax, or legal advice. For those, see a licensed professional. PILVI helps you understand your money and make better day-to-day decisions.
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.