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Hutsy

We Cover Your Bills, You Pay Us Back Later.

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Hutsy notifies you before a bill is due and pays it for you if your balance is low.

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How Hutsy works

Link your bank account, and Hutsy will automatically track your bills and subscriptions for you.

Get notified before your bills are due, and if your balance is low, we’ll offer to help.

Tap to confirm, we’ll pay your bill directly—repay us when you can.

Step 1 Step 1

Link your bank account, and Hutsy will automatically track your bills and subscriptions for you.

Step 2 Step 2

Get notified before your bills are due, and if your balance is low, we’ll offer to help.

Step 3 Step 3

Tap to confirm, we’ll pay your bill directly—repay us when you can.

Hutsy members save an average of $500 per year.

No more late payment fees!

Join thousands staying ahead of their bills with Hutsy

Get Started

Stay Ahead, Secure & In Control

Ahead

View all your bills and subscriptions in one place, so you always know what’s coming.

Secure

Securely connect to over 12,000 banks and credit unions, with bank-level encryption protecting your data.

Control

Hutsy pays your bill when you need it, so you never miss a due date.

control
hutsy credit builder

Build

Your Hutsy card is free, reloadable, and helps boost your credit score while you spend, with no credit checks or no interest.

The reviews speak for themselves

4.8

Star review from real Hutsy members

Hutsy spotted me $100 before my rent was due, saving me from an overdraft fee. This app is a lifesaver!

— JakeOnABudget 🇨🇦

I used to forget about my subscriptions, but Hutsy helped me cancel three I wasn’t using. Now I save $50 a month!

— SarahLovesSavings 🇺🇸

No more stressing about bills—Hutsy reminds me before they’re due and covers me if I’m short.

— JasonH22 🇺🇸

My bank charged me $35 every time I overdrafted. Hutsy stopped that before it could happen.

— EmmaT 🇨🇦

I was hit with multiple NSF fees every month. Hutsy’s Spot Advance saved me hundreds of dollars.

— Nathan_D 🇨🇦

I saved $400 a year just by canceling old subscriptions with Hutsy. So easy!

— BudgetQueen 🇺🇸

Hutsy covered my car payment when I was short. No late fees, no stress—just real help.

— SamInNYC 🇨🇦

I never realized how much I was wasting on forgotten subscriptions. Hutsy canceled them in seconds!

— JakeSaves 🇺🇸

The best part is knowing I won’t get hit with overdraft fees again. Hutsy has my back!

— TVAddict92 🇨🇦

I used to live paycheck to paycheck. Hutsy gives me breathing room to plan ahead.

— FinanciallyFree22 🇺🇸

"Hutsy covered my phone bill when my paycheck was delayed. No late fees, no problem!"

— DebtFreeSoon 🇺🇸

I used to pay for subscriptions I didn’t even use. Hutsy canceled them instantly and saved me $60 a month!

— TomTheSaver 🇨🇦

NSF fees were killing me. Hutsy covered me before my balance dropped—finally, some relief!

— SavvySpender 🇺🇸

I love that I can track all my bills in one place. No surprises, just control.

— ChloeOnABudget 🇺🇸

Hutsy has already saved me over $300 in overdraft fees. Best financial decision I’ve made!

— NoMoreWastedCash 🇺🇸

Hutsy spotted me $150 for groceries when my balance was low. No stress, no overdraft fees!

— JakeK 🇨🇦

I didn’t realize I was wasting over $500 a year on unused subscriptions—Hutsy canceled them instantly.

— AlexF 🇺🇸

Bills used to sneak up on me, but now Hutsy reminds me and covers me if I need it. Game changer!

— BudgetBenny 🇨🇦
Eye

Built for privacy. Your finances, fully private and secure.

Hutsy is built with your privacy in mind. Your financial data stays protected with industry-standard encryption and is never sold, tracked, or shared without your consent. No ads, no gimmicks—just tools to help you save money and stay in control.

Hutsy is in the process of becoming a B Corporation meaning we’ll legally be committed to putting your privacy and well-being first.

Watch Lip explain how Hutsy spots you when needed to pay your bills below 👇

Have a question?

Hutsy tracks your bills and subscriptions, notifies you before payments are due, and pays your bill directly if your balance is too low. No interest, no credit checks—just peace of mind.

Hutsy securely connects to your bank through Plaid, detecting and categorizing your recurring bills and subscriptions. You’ll see all upcoming payments in one place and get notified before they’re due.

Just become a member and have a steady paycheck.

There’s no catch—if your balance is too low to cover a bill, Hutsy notifies you and offers to help it before you get hit with late fees or overdrafts. No hidden fees, no stress.

Who we are and why we care

At Hutsy, we believe no one should have to struggle just to keep up with their bills. We exist to help you stay ahead—spotting you cash before overdraft fees hit, keeping track of your bills, and canceling unwanted subscriptions effortlessly.

Your bank account should reflect smart choices, not unnecessary fees.

Tefari Bailey Hutsy CEO


That’s why we built Hutsy—to give you financial breathing room, eliminate unnecessary fees, and put you back in control of your money.

Sort your finances out · Sort your finances out ·
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© 2025 Hutsy. All Rights Reserved.

Terms & Privacy

One app to negotiate lower bills, track subscriptions, and save effortlessly!

Download the app for iOS or Android below.

Download the app for iOS or Android below, and get $250 when you sign up with our partner bank. Conditions apply

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Privacy Policy

Privacy Policy Effective Date: May, 2025

By using Hutsy, you consent to the practices outlined in this policy.

1. Information We Collect

We collect the following types of information:

  • Personal Information: Name, email address, phone number, date of birth, and postal address (when required).
  • Financial Information: Bank account details and transaction history, recurring income, bill payments, and spending patterns.
  • Device & Usage Information: IP address, device type, browser, operating system, app usage statistics, and crash logs.
  • Third-Party Integrations: Information collected via partners (e.g., Plaid) to securely access financial data.
2. How We Use Your Information

We use your information to:

  • Monitor upcoming bills and detect low balances.
  • Notify you about eligible bill coverage opportunities.
  • Pay bills on your behalf when authorized.
  • Schedule and collect repayments.
  • Provide customer support.
  • Improve and optimize our app and services.
  • Comply with legal obligations.
3. How We Share Information

We do not sell your personal information. We may share information with:

  • Service Providers: Payment processors, cloud services, and other vendors that help operate our Platform.
  • Bank Data Aggregators: Partners like Plaid to securely access your financial accounts.
  • Lending or Financial Partners: For underwriting or reporting purposes.
  • Law Enforcement or Regulators: When required by law.
  • Buyers/Investors: If Hutsy is involved in a merger, acquisition, or other business transaction.
4. Your Choices and Rights

Depending on your jurisdiction (e.g., under GDPR, PIPEDA, or CCPA), you may have the right to:

  • Access or update your information.
  • Request deletion of your data.
  • Object to or limit certain types of data processing.
  • Withdraw consent at any time (if applicable).

To exercise your rights, contact us at contact@hutsy.com.

5. Data Security

We use industry-standard encryption and secure infrastructure to protect your personal and financial data. However, no system is 100% secure, so we encourage you to use strong passwords and keep your login credentials confidential.

6. Data Retention

We retain your data only as long as necessary to:

  • Provide our services.
  • Comply with legal and regulatory requirements.
  • Resolve disputes and enforce agreements.

You may request deletion of your account and data at any time, subject to legal obligations.

7. Children’s Privacy

Hutsy is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

8. International Transfers

Your information may be stored or processed in Canada, the United States, or other jurisdictions where our partners or service providers operate.

9. Changes to This Policy

We may update this Privacy Policy from time to time. If we make significant changes, we’ll notify you via email or through the app. Continued use of the Platform after changes are posted constitutes acceptance of the updated policy.

10. Contact Us

If you have any questions about this policy or how we handle your data, please contact us at:
📧 contact@hutsy.com
🌐 www.hutsy.com

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Terms of Service

Effective Date: July 2025

Welcome to Hutsy! We’re here to help you stay on top of your bills — no overdrafts, no stress.

🔒 Who Can Use Hutsy
  • Be 18 or older
  • Live in Canada or the U.S.
  • Agree to these terms and use Hutsy responsibly
💼 What Hutsy Does
  • Track and manage recurring bills
  • Get bills covered when your bank balance is too low
  • Avoid overdraft fees, credit damage, and late charges
  • Cancel unwanted subscriptions
  • Receive smart payment alerts

⚠️ Important: Hutsy doesn’t issue loans — we pay your recurring bills directly (like internet, utilities, insurance), then collect repayment when you get paid.

💳 Fees
  • $120/year membership
  • 5% service fee on bills we pay for you
  • We only charge when you have funds available in your connected account
  • Fees are non-refundable
📝 Membership Activation & Billing
  • When you sign up, your membership begins immediately
  • If you don’t have funds in your account at the time, we’ll wait to charge you until funds are available
  • Even if you pause your subscription before funds arrive, the original subscription remains active and billing will still occur when balance is available
  • You can cancel anytime, but that will apply to future billing periods only
✅ To Stay Eligible for Coverage
  • Have recurring income
  • Keep your bank connected via Plaid
  • Use a payment card that matches your bank
  • Keep your membership active and account in good standing
🚫 Why Coverage May Be Declined
  • No recurring deposits are found
  • Your saved card doesn’t match your bank
  • Your Hutsy subscription is inactive
  • Your bill can’t be paid by credit card
  • Your login to the biller fails or OTP blocks the payment
  • The bill exceeds your current coverage limit
  • You haven’t repaid a previous bill
  • Your account is paused, suspended, or flagged
🔁 Cancellations & Refunds
  • Cancel anytime in the app:
    Settings → Membership → Cancel Membership
  • You’ll stay active until the end of your current billing period
  • We won’t charge you again after cancellation
  • Refunds are not provided unless required by law
⛔ Termination
  • We may suspend or terminate your account if you:
    • Violate these Terms
    • Engage in fraudulent or abusive activity
    • Fail to repay any Hutsy-covered amounts
⚠️ Limitation of Liability
  • Hutsy is not liable for:
    • Missed or late payments not caused by our platform
    • Issues with banks, Stripe, Plaid, or other 3rd-party services
    • Indirect, incidental, or consequential damages
  • Our maximum liability is limited to fees paid by you in the past 12 months
🔐 Privacy

We take your privacy seriously. Your personal and financial data is protected and handled according to our Privacy Policy.

📝 Changes to Terms

We may update these Terms from time to time. Continued use of Hutsy means you agree to any updated terms.

💬 Questions?

We’re here to help.
📧 Email: contact@hutsy.com