SoFi

iPhone + Android

9.6No. 2 of 167
in Personal Finance Software

Recognised40% of the score90
Phone app26% of the score100
Documented20% of the score99
Free plan14% of the score100

Free plan: Yes
Runs on: Android, iPhone, Mac, Web, Windows

Summary

SoFi is ranked #2 of 167 in personal finance software on Samsung Mobile US Press, made by SoFi (San Francisco, California, United States). It runs on Android, iOS, macOS, Web, Windows. There is a free plan.

SoFi plans and pricing

All plans

SoFi Coach / Relay Not published Budget planner · Account linking · Spending and cash-flow tracking · Net-worth tracking · Credit-score monitoring sofi.com · 22 Sept 2026

SoFi Plus $10/mo Subscribers are billed monthly based on the initial date of subscription. Financial planning · Enhanced savings benefits · Investment match benefits · Borrowing discounts sofi.com · 22 Sept 2026

SoFi Plus $120/yr Annual membership Financial planning · Enhanced savings benefits · Investment match benefits · Borrowing discounts sofi.com · 22 Sept 2026

SoFi Checking and Savings Free No account, service, or maintenance fees · no minimum balance requirement sofi.com · 28 Sept 2026

SoFi Plus $10/mo monthly based on the initial date of subscription 4.50% APY on up to $20,000 in one SoFi Savings account · benefits subject to change sofi.com · 28 Sept 2026

Compared on personal finance software

Free plan: Yessofi.com
Paid from: $10/mosofi.com
Budgeting tools: Yessofi.com
Bill tracking: Yessofi.com
Net-worth tracking: Yessofi.com
Account sync: bothsofi.com
Report export: Yessofi.com
Mobile apps: bothsofi.com

Facts

Savings APY: Up to 4.20% savings APY for up to six months with qualifying deposits.sofi.com · 27 Sept 2026
SoFi Plus APY: 4.50% APY on up to $20K in a SoFi Bank savings account.sofi.com · 27 Sept 2026
Coach Pricing: SoFi Coach has no charge for members.sofi.com · 27 Sept 2026
Coach Access: Free access is available to SoFi members using banking, borrowing, or investing services.sofi.com · 27 Sept 2026
Chat Availability: SoFi Coach offers financial insights through chat 24-7.sofi.com · 27 Sept 2026
Account Connections: External accounts can be connected from more than 12,000 financial institutions.sofi.com · 27 Sept 2026
Platform Access: SoFi Coach is accessed through the SoFi app.sofi.com · 27 Sept 2026
Security Protection: SoFi Coach uses bank-grade security, privacy features, and multifactor authentication.sofi.com · 27 Sept 2026
AI Data Use: User information is not used to train AI partners’ large-language models.sofi.com · 27 Sept 2026
Financial Tools: Features include credit-score monitoring, a budget planner, and retirement and investment goal tracking.sofi.com · 27 Sept 2026
Money Actions: Users can transfer money and open SoFi checking and savings accounts through chat.sofi.com · 27 Sept 2026
Investment Limit: SoFi Coach does not recommend specific stocks or execute trades.sofi.com · 27 Sept 2026
Support Channels: SoFi offers support through phone or chat.sofi.com · 27 Sept 2026
Member Count: SoFi reports 15.8 million members.sofi.com · 27 Sept 2026
Business Origin: SoFi started in 2011 offering loans.sofi.com · 27 Sept 2026
Public Listing: SoFi has been publicly traded on NASDAQ since 2021.sofi.com · 27 Sept 2026
Bank Status: SoFi received federal approval to be a bank in 2022, with FDIC protections for checking and savings holders.sofi.com · 27 Sept 2026
What it does: SoFi provides banking, lending, investing, credit card, insurance, crypto, and financial guidance products in one platform.sofi.com · 28 Sept 2026
Banking features: Online and mobile banking support balance monitoring, transaction history, real-time alerts, bill pay, transfers, mobile check deposit, debit-card controls, and automated savings.sofi.com · 28 Sept 2026
Investing: SoFi Invest offers self-directed investing, robo investing, IRAs, stock trading, IPO investing, fractional shares, and ETFs.sofi.com · 28 Sept 2026
Financial insights: SoFi Relay lets members track credit scores, link external accounts, and monitor their finances through the web or mobile app.support.sofi.com · 28 Sept 2026
ATM access: SoFi says members can access more than 55,000 Allpoint ATMs without a fee for in-network use.sofi.com · 28 Sept 2026
FDIC coverage: SoFi Bank says deposits are insured up to $250,000 per depositor per legal ownership category and may be insured up to $3 million through its Insured Deposit Program.sofi.com · 28 Sept 2026
Security certifications: SoFi's Trust Center lists CSA STAR, CSA Trusted Cloud Provider, GLBA, PCI DSS, SOC 1, and SOC 2 Type 2 compliance materials.security-info.sofi.com · 28 Sept 2026
Authentication: SoFi supports authenticator applications including Google Authenticator, Microsoft Authenticator, LastPass, Okta, and Authy.support.sofi.com · 28 Sept 2026
Integrations: SoFi Relay can connect external accounts, and SoFi banking supports transfers to payment apps and friends or businesses.sofi.com · 28 Sept 2026
Travel integration: SoFi Travel is operated by Expedia and lets eligible members book travel through the SoFi Travel Portal.sofi.com · 28 Sept 2026
Support: SoFi lists phone, email, live chat, and social-media support channels, with U.S. customer support at 855-456-7634.sofi.com · 28 Sept 2026
Availability limit: SoFi's personal loans, home loans, student loans, Checking and Savings, Credit Card, and Relay are available only in the United States, while Invest is offered in the United States and Hong Kong.sofi.com · 28 Sept 2026
Mobile distribution: SoFi says its official mobile app is available only through the Apple App Store and Google Play Store.sofi.com · 28 Sept 2026
Company history: SoFi says Social Finance, Inc. was founded by Stanford business school students in August 2011 using an alumni-funded lending model.sofi.com · 28 Sept 2026