Finhabits provides an automated mobile platform that builds and manages diversified ETF portfolios, handles deposits and smart rebalancing, and tracks goal‑based financial plans across multiple accounts. Users can access a 24/7 AI guide and optional live planner calls, plus insurance comparison tools, with tiered subscription pricing that scales with assets.
Funding
$5M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Many individuals lack the expertise, time, or resources to create diversified investment portfolios, maintain regular rebalancing, and integrate financial planning and insurance into a single, cohesive strategy.
Solution
Finhabits offers an automated platform that builds and manages diversified portfolios across multiple accounts, handling deposits, rebalancing, and goal‑based tracking without requiring user expertise. Users can access a virtual financial guide, Emma, 24/7, or schedule calls with human planners for personalized advice. The service also provides insurance comparison tools to help protect income and assets. Educational content, weekly newsletters, and in‑app lessons support habit formation and informed decision‑making. All features are delivered through a mobile app with transparent, tiered pricing that scales as users’ assets grow.
Target Audience
Finhabits targets retail investors and savers who want a hands‑off, goal‑oriented approach to investing and financial planning, including beginners and those with modest assets seeking automated portfolio management and accessible advice.
Features
- Automated portfolio construction using low‑cost ETFs with smart rebalancing and automatic deposits
- Goal‑based financial planning tools that track progress toward milestones such as buying a home or retirement
- 24/7 AI‑powered financial guide (Emma) plus optional live planner calls for personalized advice
- Integrated insurance comparison tool to recommend coverage aligned with users’ financial plans
- Tiered membership plans (Free, Growth at $10 / month, Premium at 1 % AUM up to $100 K) with a fee‑cap that eliminates management fees on balances above $100 K
- In‑app educational content, bite‑size lessons, and weekly market newsletters to build better money habits
- Support for up to unlimited investment accounts and multi‑goal portfolios within a single dashboard