ET Money is India's popular mutual fund and insurance platform. Here's how Richify's AI approach compares.
| Feature | Richify | ET Money |
|---|---|---|
| AI Financial Coach | Felix + 6 specialist agents | ✗ |
| Net Worth Tracking | Full — all asset types | Investment-focused |
| Mutual Fund Tracking | Manual (privacy-first) | Auto-linked via CAS |
| SIP Planning Tools | SIP to 1 Crore, Step-Up SIP | Basic SIP calculator |
| Tax Saving Tools | NPS vs PPF vs ELSS comparison | ELSS recommendations |
| Investment Education | AI agents (Buffett, Dalio, Wood) | Blog articles |
| Mutual Fund Buying | Education only | Direct purchasing |
| Insurance Selling | ✗ | Sells insurance products |
| Multi-Country Support | AU, US, CA, UK, IN, BR, ES, CN | India only |
| Privacy-First | No bank/demat linking required | Links bank & demat accounts |
| Free to Use | Yes — core features free | Free (ad-supported) |
| Gamification | Scores, badges, interactive tools | ✗ |
The Verdict
ET Money excels as a mutual fund buying and insurance platform — it's great for executing investments. Richify excels at the layer before and after: understanding what to invest in, building a financial plan, and tracking your complete net worth across all asset types. The ideal setup? Use Richify for AI-powered planning and education, then execute investments through ET Money or any broker.
Track your net worth, learn from AI agents, and get financial coaching from Felix — all in one app.
Download Richify — It's FreeThey serve different needs. ET Money is excellent for mutual fund buying and insurance — it's a financial product marketplace. Richify focuses on AI-powered financial education and planning. If you want someone to explain SIP strategies and help plan your finances, Richify is better. If you want to buy mutual funds directly, ET Money has a purchasing engine.
No. Richify is a financial education platform, not a product marketplace. Richify helps you understand which types of investments suit your goals — then you can invest through any platform (Groww, Zerodha, ET Money, Kuvera). Richify doesn't earn commissions from product sales.
Richify uses a privacy-first approach — you manually add your asset values without linking bank or demat accounts. ET Money accesses your MF CAS (Consolidated Account Statement) and links to your financial accounts. Both protect your data, but Richify never has access to your actual accounts.