# AffordAI

> AffordAI is a free-to-start AI-powered personal finance tool for households living paycheck to paycheck. Tools include grocery savings, bill negotiation scripts, healthcare cost navigation, and spending tracking. No bank login required. Results are educational starting points — not licensed financial or medical advice.

## Tools

- [Grocery Saver](https://afford-ai.com/tools/grocery-saver): Paste your grocery list and get possible cheaper brand swaps and store comparisons. Users often identify $15–30 in possible savings per shop.
- [Bill Fighter](https://afford-ai.com/tools/bill-fighter): Enter recurring bill names and amounts; get a word-for-word negotiation script for each provider. Actual discounts depend on your provider and account history.
- [Healthcare Navigator](https://afford-ai.com/tools/healthcare-navigator): Find possible generic drug alternatives, estimated GoodRx pricing, and cash-pay options. Verify all substitutions with your pharmacist or provider.
- [AI Financial Advisor](https://afford-ai.com/tools/financial-advisor): Ask about debt payoff strategies, emergency fund planning, and budgeting in plain English. Results are educational, not licensed financial advice.
- [Spending Pulse](https://afford-ai.com/tools/spending-pulse): Log monthly spending by category and get a Financial Health Score highlighting your highest-cost areas.
- [Savings Tracker](https://afford-ai.com/tools/savings-tracker): Log every saving you find, track your streak, and watch cumulative savings grow over time.

## Key Pages

- [Pricing](https://afford-ai.com/pricing): Free plan (5 AI queries/day, core tools) and Pro plan (unlimited queries, all tools, monthly or annual billing).
- [Privacy Policy](https://afford-ai.com/privacy): How AffordAI collects, stores, and protects user data.
- [Terms of Service](https://afford-ai.com/terms): Terms of use for AffordAI.
- [Cookie Policy](https://afford-ai.com/cookies): Cookie usage and consent controls.

## Compare

- [AffordAI vs Rocket Money](https://afford-ai.com/compare/rocket-money)
- [AffordAI vs Cleo](https://afford-ai.com/compare/cleo)
- [AffordAI vs YNAB](https://afford-ai.com/compare/ynab)
- [AffordAI vs Monarch Money](https://afford-ai.com/compare/monarch-money)

## Who It Is For

People living paycheck to paycheck, families on tight budgets, and anyone who wants to review everyday expenses — groceries, bills, prescriptions — without paying for a financial advisor. No bank login or credit card required to start.

## Disclaimers

- AffordAI does not provide licensed financial, legal, tax, investment, or accounting advice.
- AffordAI does not provide medical advice, diagnosis, or treatment recommendations.
- All results, estimates, scripts, and recommendations are for educational and informational purposes only.
- Savings estimates are approximate and vary by location, store, provider, insurance plan, and timing.
- Users should verify results with their store, pharmacy, provider, or insurer before acting.

## Data & Privacy

- Authentication is handled by Clerk. Passwords are never stored by AffordAI.
- Data submitted to AI analysis tools (grocery lists, bill details, medical questions) is processed temporarily and not stored.
- User-entered data (savings logs, spending summaries) is stored in PostgreSQL and browser localStorage.
- All traffic is encrypted in transit via HTTPS/TLS.
- Users can delete their account and all stored data at any time from [Settings](https://afford-ai.com/settings).

## Contact

- Support: affordai.app@gmail.com
- [Privacy Policy](https://afford-ai.com/privacy)
- [Terms of Service](https://afford-ai.com/terms)
- [Pricing](https://afford-ai.com/pricing)
- [Homepage](https://afford-ai.com/)

## Publisher

Luna Asthera Studio — [afford-ai.com](https://afford-ai.com/)