The short version: very few faith-based investing apps actually exist. Harvest is the only genuine faith-screened robo-advisor with a real mobile app, at $10 a month under $25,000 or 0.30% of assets above it. FaithFi is the leading Christian budgeting app. And most of the big BRI fund families — Timothy Plan, Praxis, Eventide, Ave Maria — have no app at all.
Search for “Christian investing apps” and you get lists padded with things that are not apps, companies that do not exist, and products nobody can buy. Here is what I could actually verify as of late July 2026.
What is genuinely a mobile app, and what isn’t
The category confusion is the whole problem, so start here.
Real iOS apps: Harvest Faith-Based Investing, FaithFi, GuideStone, Faith Driven Investor (content only), Kingdom Advisors, Givelify, Tithe.ly, Church Center, Vanco Mobile, Pushpay, Daffy, EveryDollar, YNAB, and Compass’s “Financial Discipleship.”
Web platforms with no app: Inspire Insight, Charityvest, the National Christian Foundation, Overflow, Sound Mind Investing, and Timothy Plan’s shareholder portal.
Fund families with no app and no direct-to-consumer platform at all: Inspire’s ETFs, Faith Investor Services, Timothy Plan, Praxis, Eventide, Ave Maria, and Global X. You buy their funds through a brokerage account, not through an app of theirs.
Harvest: the one genuine faith-based robo-advisor
Harvest released its iOS app on 4 May 2026, which makes it the newest thing in this space and the item most lists have missed.
Pricing, as published on their site:
- Learn tier: $0 — education only
- Invest tier: $10/month or $99/year while your balance is under $25,000
- At $25,000 and above it switches automatically to 0.30% of assets per year, billed monthly on your average daily balance
Their own worked examples: $5,000 costs $120 a year, $25,000 costs $75, $50,000 costs $150, $250,000 costs $750. Note the quirk — a $5,000 balance costs more in dollars than a $25,000 balance, because the flat fee bites hardest on small accounts. If you are starting with a few thousand dollars, that is 2.4% a year, which is a lot.
Harvest is an SEC-registered investment adviser with custody through Alpaca Securities, and it invests in third-party faith-based ETFs on an “Avoid, Embrace, Engage” framework rather than running its own funds.
FaithFi for budgeting
FaithFi is free to download and claims over 70,000 users. The free tier gives you a weekly newsletter, a few premium articles, and community access.
FaithFi Pro lists at $11.99 a month or $99.99 a year, discounted to $8.99 and $74.99 when I checked. Pro adds envelope budgeting, automatic transaction analysis, and the full digital magazine.
For comparison, the two dominant secular budgeting apps: YNAB costs $109 a year or $14.99 a month with a 34-day free trial and no credit card required. EveryDollar, from Ramsey Solutions, is free with a paid premium tier — I could not verify the current premium price from Ramsey’s own pages, so check it before subscribing rather than trusting any list, including this one.
The fund families, and what they actually charge
Since none of these ship an app, what matters is the funds themselves and their expense ratios. Figures below are from each firm’s own filings and factsheets as of mid-2026.
Inspire runs nine ETFs and manages over $3.4 billion. The cheapest is PTL, the Inspire 500, at 0.09% — the least expensive faith-based large-cap fund available anywhere. Then BIBL at 0.35%, IBD at 0.41%, ISMD at 0.53%, BLES at 0.60%, WWJD at 0.61%. Inspire cut expense ratios on five ETFs in April 2026, an average decrease of 5.3%. It also runs Inspire Insight, a genuinely free screening tool covering 72,124 tickers.
Timothy Plan launched three new ETFs on 5 May 2026 — TPFC and TPFG at 0.59%, and TPFI, an active fixed income fund, at 0.55%. Its four established ETFs (TPHD, TPSC, TPLC, TPIF) run 0.52% to 0.62%. Its 403(b) offering lives on a separate site.
GuideStone Funds held $22.6 billion as of 31 March 2026, making it the largest faith-based mutual fund family in the country. Investor Class expense ratios range from 0.39% for the Equity Index fund to 1.75% for Strategic Alternatives. Its fee waivers run through 30 April 2027, which matters — a net expense ratio is a contractual promise with an expiry date, not a permanent feature.
Praxis is the under-covered story. It has filed for its first three ETFs — PRXV and PRXG at 0.36%, PRXI at 0.54%, all unitary fees. Its mutual funds run 0.34% to 0.94% depending on share class, with a maximum Class A load of 5.25%.
Eventide manages about $7.4 billion across eight mutual funds and six ETFs, the ETFs ranging 0.39% to 0.59%.
Ave Maria is Catholic, entirely no-load, with eight funds from 0.42% for the Bond fund to 1.30% for Value Focused. CATH, the Global X S&P 500 Catholic Values ETF, charges 0.29% on $1.28 billion. Both apply Catholic screens rather than Protestant BRI screens — CATH does not exclude alcohol, gambling, or corporate LGBT policy categories.
One negative finding worth stating plainly: Betterment and Wealthfront offer socially responsible portfolios but no faith-based option, and I found no Schwab-branded or Fidelity-branded faith-based fund or model portfolio. Ave Maria funds are available on those platforms, which is platform availability rather than a Schwab or Fidelity product. Our reviews of Timothy Plan, Inspire Investing, and GuideStone Funds go deeper on each lineup.
Giving apps, with the actual fees
This is where apps genuinely dominate, and the fee differences are large enough to matter to a church budget.
| Platform | Card | ACH | Platform fee |
|---|---|---|---|
| Givelify | 2.9% + $0.30 | — | $0 — no signup, monthly fee, or contract |
| Tithe.ly | 2.9% + $0.30 | 1% + $0.30 | Giving free; “All Access” $119/mo |
| Planning Center Giving | 2.15% + $0.30 | 0% + $0.30 | Subscription scaled by monthly donations |
| Subsplash | 2.99% + $0.30 | 1% + $0 | Giving $0/mo |
| Vanco | 2.90% + $0.45 (free tier) | 1.00% + $0.45 | Paid tier $54/mo lowers rates |
Planning Center’s zero-percent ACH rate is the standout. On a $500 monthly gift, ACH through Planning Center costs $0.30 while a card through Subsplash costs $15.25. Encouraging bank transfers over cards is the single highest-leverage thing a church can do about processing fees.
Pushpay does not publish card pricing publicly. Overflow, which accepts stock and crypto gifts, does not publish pricing either — treat both as contact-sales.
Donor-advised funds, where the fee models diverge sharply
Daffy is the only true DAF with a mobile app, and it charges a flat monthly membership rather than a percentage: free for balances up to $100, then $3, $5, $20, or $40 a month by tier. No asset-based fees and no minimums. For a $100,000 balance, $36 a year against Fidelity’s 0.60% — $600 — is a real difference.
Charityvest is the only zero-fee cash DAF: no admin fee, no investment fee, nothing to open or maintain, if you hold cash. Invested accounts pay 0.60% plus small fund fees. Web only.
The National Christian Foundation charges a tiered ministry support fee starting at 0.90% on the first $500,000 and stepping down to 0.05%, with a $30 monthly minimum. It accepts business interests and real estate, which the low-cost providers generally do not, and has granted $25 billion since 1982.
What to look for before you install anything
Four questions cut through most of the marketing in this category.
- Is it an adviser, a fund, or a screener? These are regulated differently and priced differently. An adviser charges you for advice; a fund charges an expense ratio inside the fund; a screener sells data. Bundled pitches often obscure which you are paying for.
- What does it cost at your balance? Flat monthly fees favour large accounts, percentage fees favour small ones. Harvest’s own examples show the crossover clearly.
- Who holds the money? Custody should sit with a third-party broker-dealer, not the app itself. Harvest uses Alpaca; check for an equivalent disclosure before funding an account.
- What exactly does it screen? “Faith-based” is a marketing phrase, not a standard. Catholic screens and Protestant BRI screens exclude different things, and the difference will surprise you in both directions.
Names that do not exist
Worth saying, because these circulate in AI-generated listicles: there is no “Faithward” app, no “Onward Investing,” no “Kingdom Impact,” and no “Faithful Steward.” Sound Mind Investing has no iOS app. If a list recommends one of these, the list was not checked.
What the tool is for
An app is a means of execution, and Scripture’s concern is upstream of execution. The parable of the talents commends the servants who put capital to work and condemns the one who buried it out of fear (Matthew 25:14-30) — the master’s complaint is not that the third servant chose a poor platform, but that he did nothing at all.
Proverbs pushes in a complementary direction: “Be sure you know the condition of your flocks, give careful attention to your herds” (Proverbs 27:23). Knowing the condition of your holdings is exactly what these tools are good for and exactly what most people skip. A free screener will tell you in ninety seconds what your index fund actually owns, and most Christians have never looked.
Start there rather than with a new app. Our guides to Christian stock screener tools and the best Christian ETFs cover what to do with what you find.
Related reading
- Christian Investing Glossary
- How to Talk to Your Spouse About Christian Investing
- Christian Investment Calculator
- Best Christian Investment Funds, ETFs, and Platforms
- From Wesley to Modern ETFs
- Christian Investing Tools and Resources: Everything You Need
- Christian Investing Podcasts
- Best Christian Investing Books
- Christian Investing FAQ
- Christian Investing: The Complete Guide for 2026
