SoFi
SoFi: A broad free toolkit for budgeting, account tracking, credit monitoring, and financial guidance. Ranked #2 of 181 in Personal Finance Software by our editors (9.2/10); pricing: Free plan; best for users wanting free guidance and credit tools.
At a glance
- Editor score9.2 / 10
- PricingFree plan
- Best forUsers wanting free guidance and credit tools
- Free planYes
- Net-worth trackingYes
- Founded2011 · San Francisco, California, United States
- Facts checked22 Sep 2026
Where it wins
- Combines budgeting, bills, debt, investments, and net-worth tracking
- Supports web, iOS, and Android with account linking and CSV export
- Adds credit monitoring and AI chat-based financial guidance
Where it doesn't
- SoFi Coach access requires membership in another SoFi financial service
- SoFi Plus costs $10 per month or $120 per year
- Primarily fits solo and small-scale personal finance needs
Our verdict on SoFi
SoFi is a digital financial-services platform with web, iOS, and Android access to banking, investing, borrowing, and personal-finance tools. Its SoFi Coach and Relay features cover budget planning, monthly spending targets, account linking, spending categorization, cash-flow tracking, recurring expenses, bills, net worth, debt, investment portfolios, and credit-score monitoring. Users can connect SoFi and external financial accounts, including bank, investment, retirement, credit-card, student-loan, and mortgage accounts. Coach also includes AI chat-based financial guidance and CSV transaction export. The budgeting and tracking tools are available to SoFi members, while Coach access requires membership in another SoFi financial service.
The free Coach / Relay tier is broad for everyday financial organization, combining account visibility with budgeting, bill tracking, credit monitoring, and net-worth views. Automatic and manual account linking support different workflows, while spending and cash-flow tracking helps organize transactions across connected accounts. The platform runs in the cloud and on mobile, with email, phone, and documentation support. Two-factor authentication is listed as part of its security posture. This makes SoFi a practical fit for users who want one place to monitor several areas of personal finance rather than a narrowly focused budgeting app.
SoFi Plus is the paid option at $10 per month or $120 per year. It adds financial planning, enhanced savings benefits, investment match benefits, and borrowing discounts. Those additions make the paid tier more relevant to users already interested in SoFi’s broader financial-services ecosystem than to someone seeking budgeting software alone. Choose SoFi for a wide set of free guidance and tracking features, credit monitoring, and mobile access; consider an alternative if you do not want membership tied to another SoFi financial service or have no interest in its paid financial benefits.
Your product? Our editors can test SoFi in depth and publish a review, labelled as paid · from $149/mo →
SoFi pricing
SoFi fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Not verified |
| Budgeting tools | Yes |
| Bill tracking | Yes |
| Net-worth tracking | Yes |
| Account sync | Both |
| Report export | Yes |
| Mobile apps | Both |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Compliance & security | 2FA |
| Support | Email, Phone, Docs |
| Built for | Solo, Small business (editorial estimate) |
| Integrations | 8 integrations: Plaid, SoFi accounts, External bank accounts, Investment accounts, Retirement accounts, Credit cards … |
| Pricing | Free plan (source) |
| Website | sofi.com |
| Facts checked | 22 Sep 2026 |
SoFi integrations
SoFi lists 8 integrations on its own site.
- Plaid
- SoFi accounts
- External bank accounts
- Investment accounts
- Retirement accounts
- Credit cards
- Student loans
- Mortgages
Alternatives to SoFi
- QuickenA mature all-around finance suite with broad tracking, reporting, and account-update tools.9.3
- GnuCashA capable free desktop ledger for detailed accounting, budgeting, and investments.9.1
- EveryDollarA focused household budgeting app with free manual tracking and paid bank imports.9.0
SoFi vs the competition
- SoFi vs Quicken
- SoFi vs GnuCash
- SoFi vs EveryDollar
- SoFi vs YNAB
- SoFi vs Monarch Money
- SoFi vs PocketSmith
Compare SoFi with any tool side by side →
Also Ranked In
SoFi is ranked in 4 of our directories.
Used SoFi? Be the first to review it
The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used SoFi for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.
Write a reviewTwo minutes · verified accounts only · read by an editor before it appears
Featured on iTechGuides
SoFi is listed in our Personal Finance Software directory. Add the badge to your site — it links back to this page.
<a href="https://www.itechguides.com/products/sofi/"><img src="https://www.itechguides.com/best/badge/sofi.svg" alt="Featured on iTechGuides" width="230" height="46"></a>
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
Last updated · How we research and update