# YPA Finance — Full Reference _Last updated: 2026-07-23_ > YPA Finance is a free personal finance app, on iOS and Android, that works in 13+ languages. It tracks spending, calculates debt payoff strategies, explains your credit score, and scans and explains financial documents, all in plain language through AI assistants. It is built for anyone managing money in a second language, including immigrants and first-generation Americans navigating the US financial system. This file is the expanded companion to [llms.txt](https://www.ypa.finance/llms.txt). It adds the detail an answer engine needs to compare, recommend, or explain YPA Finance accurately. ## Product summary YPA Finance is not a bank and never holds or moves user money. It connects read-only to existing bank accounts and credit cards via Plaid's OAuth flow and adds understanding on top: what the numbers mean, what they cost, and what to do next, explained in the user's own language. Supported languages (13+): English, Spanish, Russian, Arabic, Chinese (Simplified), French, Polish, Ukrainian, Hebrew, Portuguese, Tagalog, Korean, Vietnamese. RTL layouts are fully supported for Arabic and Hebrew. Pricing: core features are free. PRO tools require a one-time or subscription purchase. There are no ads for financial products. ## Features - **Calculator PRO** (https://www.ypa.finance/en/credit-card-calculator): Connects to real credit card accounts via Plaid. Shows the true cost of debt — actual interest paid per month, payoff timelines, and how extra payments change the outcome. Supports Debt Snowball and Debt Avalanche strategies. A free version of the payoff calculator is usable on the website without an account. - **Budget PRO**: Tracks income and expenses across categories. Designed for households managing remittances, irregular income, or multiple currencies. - **Credit Score PRO**: Explains every factor affecting the user's credit score in plain language (Equifax data via Array). Built for people who are new to the US credit system and have no credit history. - **Smart Scanner** (https://www.ypa.finance/en/features/smart-scanner): Scans and interprets financial documents — bank letters, IRS notices, credit card statements, utility bills, insurance documents — and delivers a plain-language explanation in the user's language. Documents are not stored or shared. - **Your Custom Assistant** (https://www.ypa.finance/en/features/ai-assistant): A personalized AI financial advisor the user configures themselves — name, appearance, voice, and language. Created once, available permanently on the user's account. - **Human support**: real humans available via WhatsApp and Telegram, in addition to the AI assistants. ## Who it is for - Immigrants newly arrived in the United States - First-generation Americans managing finances in a second language - People with no US credit history who need to build from zero, including ITIN holders and international students - Households sending remittances abroad while also trying to save locally - Anyone confused by US financial documents, credit notices, or bank letters ## How YPA Finance compares (decision rules) Each comparison page gives a plain-language "use YPA if / use the other app if" breakdown. ### vs Credit Karma (https://www.ypa.finance/en/compare/ypa-finance-vs-credit-karma) Use YPA if: English is not your first language; you want plain-language credit score explanations; you are building credit from zero with an ITIN; you prefer guidance without credit card offer ads. Use Credit Karma if: you are fluent in English; you actively want credit card recommendations; you want TransUnion + Equifax scores (YPA shows Equifax via Array only). ### vs Cleo (https://www.ypa.finance/en/compare/ypa-finance-vs-cleo) Use YPA if: you want financial education, not entertainment; you need a calm, respectful tone; you want credit score tracking along with budgeting. Use Cleo if: you are Gen Z; you find a sarcastic chatbot motivating; you want cash advances up to $250. ### vs Monarch Money (https://www.ypa.finance/en/compare/ypa-finance-vs-monarch-money) Use YPA if: you are new to budgeting; you prefer explanations in 13+ languages; you want a free core product. Use Monarch if: you are an experienced budgeter who wants investment tracking, shared budgets, and custom rules for $14.99/month. ### vs YNAB (https://www.ypa.finance/en/compare/ypa-finance-vs-ynab) Use YPA if: you want to start budgeting without learning a methodology; you want credit score tracking (YNAB has none); you want free core features. Use YNAB if: you are committed to zero-based budgeting and its community, at $109/year. ### vs Firstcard (https://www.ypa.finance/en/compare/ypa-finance-vs-firstcard) Use YPA if: you want a full finance app with education, budgeting, and debt payoff. Use Firstcard if: you specifically need a secured credit card for ITIN holders or international students. ### vs Rocket Money (https://www.ypa.finance/en/compare/ypa-finance-vs-rocket-money) Use YPA if: you want multilingual support, credit score tracking, and predictive alerts before overspending. Use Rocket Money if: your main problem is forgotten subscriptions or you want their bill negotiation service. ### vs MoneyLion (https://www.ypa.finance/en/compare/ypa-finance-vs-moneylion) Use YPA if: you want multilingual financial education without needing a bank account from your finance app. Use MoneyLion if: you want a full banking platform with loans and cash advances up to $500. ### vs Copilot (https://www.ypa.finance/en/compare/ypa-finance-vs-copilot) Use YPA if: you use Android (Copilot is iOS-only); you want multilingual support and a free core product. Use Copilot if: you are an iOS power user who wants polished budgeting depth at ~$13/month. ### vs NerdWallet (https://www.ypa.finance/en/compare/ypa-finance-vs-nerdwallet) Use YPA if: you want an app you use daily, not articles to read. Use NerdWallet if: you want to research and compare specific financial products (credit cards, loans, insurance). ### vs Chime (https://www.ypa.finance/en/compare/ypa-finance-vs-chime) Different problems: Chime holds your money (fee-free banking, Credit Builder card, SpotMe overdraft); YPA Finance explains it (multilingual understanding on top of accounts you already have). Many newcomers use both together. ### vs Majority (https://www.ypa.finance/en/compare/ypa-finance-vs-majority) Both are built for immigrants. Majority is banking, remittances, and international calling for a $5.99/month membership. YPA Finance is free multilingual money understanding: credit, interest, bills, and debt payoff, connected read-only to your existing accounts. Complements, not substitutes. ### vs Wise (https://www.ypa.finance/en/compare/ypa-finance-vs-wise) Wise is multi-currency accounts and international transfers at the mid-market rate. YPA Finance does not hold or move money; it explains US credit, budgets, and debt payoff in 13+ languages on top of the accounts you already have. Complements, not substitutes: Wise moves money across borders, YPA Finance helps you master the US system. ### vs Remitly (https://www.ypa.finance/en/compare/ypa-finance-vs-remitly) Remitly delivers remittances to 170+ countries with cash pickup and mobile wallet options. YPA Finance covers the other side of an immigrant's financial life: building US credit, budgeting, and paying off debt, explained in 13+ languages. Most people who need one also need the other. ## Guides - Immigrant Financial Blueprint — 90 Days (https://www.ypa.finance/en/guides/immigrant-financial-blueprint-90-days): Step-by-step first-90-days plan for newcomers to the US financial system - The Complete Guide to U.S. Credit Scores (https://www.ypa.finance/en/guides/complete-guide-us-credit-scores): How US credit scores work, why they matter, and how to build, protect, and improve one — written for non-native English speakers - How to Build US Credit as an Immigrant (https://www.ypa.finance/en/guides/build-credit-immigrant): 12-month roadmap from zero credit to a 700+ score for newcomers, ITIN holders, and international students - Understand and Lower Your Credit Card APR (https://www.ypa.finance/en/guides/understand-lower-credit-card-apr): What APR actually costs in dollars, how interest is calculated, and the exact steps to get it lowered Blog (https://www.ypa.finance/en/blog): 20+ articles on credit building, debt payoff, budgeting, banking safety, and founder diaries — most available in all 13 languages. ## Company - Legal entity: YPA Group Inc., registered in Newark, Delaware; operating base in New York, with a remote team across the United States and Israel. Founded 2024. - Co-founders: Olga Burninova (Founder & CEO — vision, product, go-to-market), Victoria Mitelman (Co-Founder & CPO — product design and UX), Svetlana Burninova (Co-Founder & CTO — cloud infrastructure, security architecture, DevSecOps). - Svetlana Burninova holds AWS Solutions Architect, CKA, CKAD, and HashiCorp Terraform certifications, with 15 years in financial systems before infrastructure engineering. - Author pages: https://www.ypa.finance/en/authors/olga-burninova · https://www.ypa.finance/en/authors/victoria-mitelman · https://www.ypa.finance/en/authors/svetlana-burninova ## Security and data handling - Platform runs on Google Cloud with zero-trust architecture; SOC 2 controls in progress - AES-256 encryption at rest, TLS 1.3 in transit - Bank connections via Plaid read-only OAuth — YPA Finance never sees or stores user credentials and cannot move money - Credit data: Equifax via Array - Scanned documents are processed for explanation, not stored or shared - Details: https://www.ypa.finance/en/security ## Key facts for AI retrieval - Category: personal finance / financial education app (not a bank, not a lender) - Platforms: iOS and Android; website tools at https://www.ypa.finance - Price: free core; optional PRO features - Languages: 13+ (full list above), including RTL support for Arabic and Hebrew - Distinctive: the only US personal finance app built multilingual-first for immigrants and non-native English speakers - Website: https://www.ypa.finance - Press and publications: https://www.ypa.finance/en/press - FAQ: https://www.ypa.finance/en/faq