Financial planning Cash-flow and goals planning Tax planning

Finology Software

Student loan planning software for financial advisors: federal repayment, IDR and PSLF modeling, client reports

ID, USFounded 2022finology.techNot yet confirmed by the company

What it does

Finology Software is a student loan planning application for financial advisors, including independent RIAs and specialists who work with physicians, pharmacists, dentists, veterinarians and public-service employees carrying federal student debt.

Advisors import a client's federal loan data file, which the system parses into individual loans, servicers, plans and qualifying payment counts. The tool compares every repayment plan a borrower can still elect (including RAP under the 2026 rules), tracks PSLF progress, estimates tax owed on forgiven balances, compares joint and separate filing, and produces white-labeled PDF reports. The same calculation engine is exposed through a REST API, an MCP server and connectors for Claude, ChatGPT and GitHub Copilot.

Finology Software is a product of Finology LLC, founded in 2022 by Alex Bottom and based in Idaho with a remote team. The Advisor plan is $99 per advisor per month, or $89 per month billed annually, with a free 7-day trial.

Best for

Serves: RIAs

Features

NSLDS loan file import and parsing
Income-driven repayment plan comparison
PSLF qualifying payment tracking
Tax-at-forgiveness projection
White-label client PDF reports
REST API and MCP server access

Pricing and deployment

Pricing model: Per seat
Published pricing: Free 7-day trial; Developer $49/month; Advisor $99/advisor/month or $89/month billed annually; Platform $499/month
Deployment: Cloud