Fifecta
Give Every Paycheck a Plan
If your paycheck is gone before you can say where it went, you don't need more willpower. You need a plan for the money before it lands. Fifecta is the app Priceless Tay coaching clients use to do that, and now you can use it on your own. It's $15 a month or $150 a year, free for 7 days.
How It Works
The four Money Types, Spender, Saver, Scrambler, and Strategist, landing on Scrambler with its first fix: Bills First. 1Find your Money Type
Take the quick quiz when you sign up. Spender, Saver, Scrambler, or Strategist, Fifecta starts you on the first fix for how you actually handle money.
A $2,400 paycheck split into FUNDS: $831.24 Fixed, $150 Unexpected, $385 Needs, $140 Desires, and $200 Stash. 2Plan your paycheck with FUNDS
Split each paycheck into Fixed, Unexpected, Needs, Desires, and Stash, so you know what's safe to spend before you spend it.
Sorting new charges with one tap each: Venmo $180 to Desires, Walmart $40.60 to Needs, and Burger King $101.80 to Desires. 3Track it and adjust
Connect your bank through Plaid, or type your numbers in. You sign in at your bank inside Plaid's window. Fifecta reads balances and transactions. Sort each purchase into a bucket and see what's left in Desires before payday.
Numbers from a demo account.
Diagram: one paycheck splits into five FUNDS buckets. Fixed: rent, bills, insurance. Unexpected: your emergency fund. Needs: groceries, gas, copays. Desires: guilt-free fun money. Stash: investing and goals.
Same Paycheck, Sorted
Without a plan, every purchase pulls from one pile. With FUNDS, each one already has a bucket, so you can see what's safe to spend. Drag the handle to compare.
Four days after payday: where did it go?
RentCoffeePhone billCar repairGroceriesConcert ticketsSavings?Every purchase has a bucket
FixedRent, Phone bill
UnexpectedCar repair
NeedsGroceries
DesiresCoffee, Concert tickets
StashSavingsEverything Else Inside
Debt payoff dates
See when each card or loan is gone, and the snowball or avalanche order to pay them.
Goals with a monthly number
Set a goal and Fifecta tells you what to put away each month to hit it.
Net worth
Accounts, investments, and debts in one number you can watch grow.
Bill reminders
Get a heads-up before a bill is due so nothing sneaks up on you.
Ask Penny
Ask questions about your own plan in plain English and get answers from your numbers. Included, and they reset on the 1st.
Banks through Plaid
National banks work. Automatic linking brings your charges in, so you don't type each transaction. That is available in the US and Canada right now. You sign in at your bank inside Plaid's window. Fifecta reads balances and transactions. It does not call Plaid APIs that move money, and your password stays with Plaid. Accounts at one bank are unlimited. You can type by hand instead.
Add a partner
They get their own login, free with your plan. They can see and edit the plan, transactions, and goals. They never see the bank login. You get a note in the app when they join.
On your phone
It's not in the App Store. Add Fifecta to your Home Screen and it works like an app, alerts included.
Can't find Fifecta in the App Store? How to add it to your phone. Use Claude? You can also connect Fifecta to your AI assistant and ask about your money there.
Pick Your Plan
Free for 7 days, then $15 a month or $150 a year. Both include the same amount each month.
Monthly
$15 a month
Free for 7 days. Cancel anytime in the app.
Yearly
$150 a year
Free for 7 days, then two months free compared to monthly.
Included each month
Each month includes Ask Penny, 4 statement reads, and 7 financial institutions. Questions and statement reads reset on the 1st. What's left shows in the app under Settings, then Your plan.
The money plan
FUNDS, spending, debt payoff, goals, and net worth.
Ask Penny
Questions about your own numbers. Included, and they reset on the 1st.
4 statement reads
A PDF or a photo of a statement. A spreadsheet is free. These reset on the 1st.
7 financial institutions
Linking uses Plaid. National banks work. Automatic linking brings your charges in, so you don't type each transaction. That is available in the US and Canada right now. You sign in at your bank inside Plaid's window. Fifecta reads balances and transactions. It does not call Plaid APIs that move money. Bank accounts are unlimited. One bank is one institution, and it stays connected until you disconnect it.
Coaching includes Fifecta, with more room for Ask Penny, 8 statement reads, and 7 financial institutions. See coaching.
Checkout opens soon. Want help now? Coaching includes Fifecta.
Compare
Compare money apps side by side
Still picking where your paycheck lands? These comparisons use verified App Store and official data.
Common questions
Yes. National banks work. Automatic linking brings your charges in, so you don't type each transaction. Automatic linking is available in the US and Canada right now. Outside the US and Canada, you type balances and charges by hand, or import a statement file.
No. You can type your income and spending in by hand, or import a statement file. If you connect a bank, linking uses Plaid. You sign in at your bank inside Plaid's window. Fifecta reads balances and transactions. It does not call Plaid APIs that move money, pay bills, or change your accounts. Your bank password stays with Plaid. One bank is one institution. Accounts at that institution are unlimited. What Plaid is.
Fifecta on its own gives you the money tools, with Ask Penny, 4 statement reads, and 7 financial institutions each month. Coaching includes Fifecta, with more room for Ask Penny, 8 statement reads, and 7 financial institutions, plus a coach, live sessions, check-ins, and the program. See coaching if you want someone in your corner.
Ask Penny is included. A short question uses a little. One that runs the calculators uses more. It resets on the 1st. What's left shows in the app under Settings, then Your plan. The monthly cap is in the Fifecta Terms. You also get 4 statement reads and 7 financial institutions. Bank accounts are unlimited. A spreadsheet still reads for free. Coaching includes more room for Ask Penny.
Yes, right in the app under Settings, then Your plan. You keep access until the end of the period you paid for, and you won't be charged again. That day we disconnect your banks. We keep your plan for 12 months, then delete it. Export a copy in Settings, then Your data, before then. The Fifecta Terms have the details.
Yes. You can invite one partner, so a household is the two of you. Your partner gets their own login and can see and edit your plan, transactions and goals. You choose how the two of you split bills and goals: equally, by income, or by a percent you set. Any account, card, loan or investment you mark Only me stays hidden from your partner, along with its transactions and balances. To invite them, open Settings, then Household, and send the invite link. They never see your bank login, and you get a note in the app when they join.
Yes. For pay that changes, like commission, tips or gig work, Fifecta looks at your last three full months and suggests planning on the lowest one. Bills planned on the slow month still get paid in the slow month, and anything above it is extra money to give a job when it lands.
Yes. Mark each bank account or card as household, business, or both, and business charges stay out of your household plan. You can split one charge between the two, set aside money for taxes as a business goal, and download your business charges and mileage as CSV files to give your tax preparer. Fifecta doesn't decide what's deductible.
Your data is encrypted, other clients can never see it, and we don't sell it or show you ads. Read Security and the Fifecta Privacy Policy.
It's how you naturally handle money. Strategists have a plan that needs to scale, Spenders move money fast, Savers hold on tight, and Scramblers juggle. Each type has a different first fix. Take the free quiz to find yours.
It isn't a store download. Fifecta is a web app (a PWA): the same app in your browser and on your Home Screen. Open it in Safari on iPhone, or Chrome on Android, and add it to your Home Screen. Then it has an icon, opens full screen, and can send alerts. How to add it to your phone.
Go to fifecta.pricelesstay.com/Signup and enter the email you bought with. We'll send you a link to set up your account.
