# Richify AI

> Richify is the AI agent team for your personal finances. At the center is Felix, the AI CFO and single conversational entry point. Felix onboards you and coordinates a team of named specialists: Ada (Financial Health Assessor) calculates your Financial Health Score; Lily (Financial Teacher) teaches personal-finance fundamentals using your real situation; Pepper (Financial Architect) turns complexity into clear frameworks for long-term wealth; Morgan (Mortgage Monitor) tracks rates and refinancing math; Dua (Money Mind Coach) works on the emotional side of money; Charlie (Life Events Planner) helps prepare for milestones like family, a home, or retirement; Sam (What-If Strategist) explores financial scenarios before you decide. Unlike a chatbot bolted onto a budgeting app, Richify is agent-first: every action is taken by a named specialist with a defined role. We track $600M+ in user assets across 35,000+ users, with particular strength in real-estate-heavy portfolios (60%+ of tracked value). Richify is education-focused, not a licensed investment advisor.

Richify AI Inc. (Delaware C-corp) is the legal entity behind the product. The mission is to democratize financial wisdom by putting powerful, personalized AI in the hands of every person — regardless of income, background, or geography.

## Core Product

Richify is agent-first. Felix is the AI CFO and single conversational entry point. Felix onboards users, understands their full financial picture, and coordinates a team of seven named specialist agents — Ada, Lily, Pepper, Morgan, Dua, Charlie, and Sam — each with a defined role. The free tier includes net worth tracking, free calculators, and message-capped Felix chat; a Pro subscription unlocks unlimited Felix chat and the full specialist agent team.

## Key Concepts

- **Felix**: The AI CFO and single conversational entry point. Brings together goals, cashflow, investments, properties, and debts into one complete financial picture; coordinates the specialist agent team.
- **Ada**: Financial Health Assessor — analyses the user's financial life and calculates a Financial Health Score so they understand their strengths, risks, and opportunities.
- **Lily**: Financial Teacher — teaches personal-finance fundamentals using the user's real situation, making complex topics easier to understand and apply.
- **Pepper**: Financial Architect — helps users think strategically about money, turning complexity into clear frameworks for building long-term wealth.
- **Morgan**: Mortgage Monitor — tracks mortgage rates, explains refinancing math, and helps users understand the long-term impact of their home loan.
- **Dua**: Money Mind Coach — focuses on the emotional side of money, surfacing hidden patterns and behaviours that influence financial decisions.
- **Charlie**: Life Events Planner — helps users prepare financially for major milestones (family, a home, a new chapter, retirement).
- **Sam**: What-If Strategist — explores financial scenarios and future possibilities so users understand potential outcomes before making important decisions.
- **Financial Goals**: Users define goals (retirement, home purchase, debt freedom, etc.) and Felix tracks progress across portfolio, cashflow, and liabilities with the specialist team.

## Platform Capabilities

- Multi-asset portfolio tracking (equities, crypto, real estate, cash, and more)
- Multi-currency support
- Debt tracking and payoff planning
- AI-driven goal setting and milestone tracking
- Tax education and planning guidance
- Insurance awareness and coverage gap education
- Bring every account and asset type into one view — equities, crypto, real estate, cash, and more. No automatic bank syncing and no stored credentials (privacy-first by design; automatic account connection is on the roadmap, not currently shipped)
- Markowitz portfolio optimization (mean-variance analysis)

## Markets

Richify AI is a global platform, available for download worldwide. The platform has strong user bases in the **United States**, **United Kingdom**, **Canada**, **Australia**, **India**, **Turkey**, and **Spanish-speaking markets (Spain, Mexico, Argentina)**, with multi-language and multi-currency support and market-specific financial content (e.g., superannuation guidance for Australian users, 401(k) and ISA education for US and UK users, SIP and Section 80C tools for Indian users).

## Company

- **Founded**: January 14, 2025
- **Incorporation**: Delaware C-corp (Richify AI Inc.); Turkish operating entity (Richify Bilişim Teknolojileri A.Ş.)
- **CEO & Co-Founder**: Çağrı Karahan — former VP of Engineering at Udemy; prior experience at Amazon and eBay; PhD in Cognitive Science; two prior startup exits
- **CPO & Co-Founder**: Evrim Karahan — former product leader at Sahibinden, Meditopia, and BtcTurk
- **Traction**: 35,000+ users, 200,000+ AI interactions, $600M+ in user assets tracked (60%+ in real-estate-heavy portfolios)

## Regulatory Approach

Richify AI's agents are designed to inform and empower users, not to act as licensed financial advisors. AI-generated content is educational in nature and does not constitute personalized investment advice. The platform does not hold securities licenses (SEC, ASIC, or equivalent) and maintains clear architectural separation between AI personas and user portfolio data where required by regulation.

## App Download

- App Store (iOS): https://apps.apple.com/app/richify-personal-finance-ai/id6737745254
- Google Play (Android): https://play.google.com/store/apps/details?id=com.richify.ai
- Universal link: https://apps.richify.ai

---

## Website Pages

- [AI Team](https://www.richify.ai/team): Hub for Richify's named AI agent team — Felix, the AI CFO, plus seven specialists. Each has a dedicated marketing page at richify.ai/team/<name>: felix, ada, lily, pepper, morgan, dua, charlie, sam.
- [Felix — AI CFO](https://www.richify.ai/team/felix): Felix is Richify's AI CFO and the team's coordinator. He brings your goals, cashflow, investments, properties, and debts into one clear, multi-currency picture, and routes deeper questions to the right specialist. Felix never recommends products or tells you what to do — he gives you the complete picture so you can decide. Educational tool, not investment advice. Free to start on iOS and Android.
- [Sam — AI What-If Scenario Agent](https://www.richify.ai/team/sam): Sam is Richify's AI what-if agent. Tell Sam a scenario — retiring earlier, a new baby, moving countries, a 30% market drop, a career break, or rent vs. buy — and Sam runs projection math on your own numbers, side by side with your current path. Sam answers "what would happen if…", never "what should I do": it shows the math and never recommends products or tells you what to choose. Educational tool, not investment advice; all results are hypothetical illustrations. Free to start on iOS and Android. (Short link: richify.ai/sam → /team/sam.)
- [Ada — AI Financial Health Score](https://www.richify.ai/team/ada): Ada is Richify's AI financial-health agent. She analyses your savings, debt, protection, and investing and calculates an educational Financial Health Score with a clear component breakdown — emergency-fund coverage, debt ratios, savings rate, and where you're most exposed. The score is an educational measure, not a credit score. Ada shows where you stand and never tells you what to do. Free to start on iOS and Android.
- [Lily — AI Financial Literacy Teacher](https://www.richify.ai/team/lily): Lily is Richify's AI financial teacher. She explains personal-finance fundamentals — compound interest, diversification, account types, inflation, good vs bad debt — using your real numbers, and answers your follow-up questions until concepts click. Built for first-time learners. Educational only, never advice. Free to start on iOS and Android.
- [Pepper — AI Financial Architect](https://www.richify.ai/team/pepper): Pepper is Richify's AI financial architect. She turns scattered accounts and vague goals into clear frameworks: how savings, investing, and debt fit together, how to weigh paying down debt vs investing, and a sensible order for competing goals — framed as options on your own numbers, never as instructions. Educational only, not advice. Free to start on iOS and Android.
- [Morgan — AI Mortgage & Refinance Agent](https://www.richify.ai/team/morgan): Morgan is Richify's AI mortgage agent. She runs refinancing and payoff math on your actual loan — new payment, total interest, break-even timing, extra-payment savings, rate-drop scenarios, and 15- vs 30-year comparisons. Morgan doesn't broker loans, pull quotes, or recommend a lender; she shows the math so you can decide. Educational only, not advice. Free to start on iOS and Android.
- [Dua — AI Money Mindset Coach](https://www.richify.ai/team/dua): Dua is Richify's AI money-mind agent. She helps you notice the patterns and emotions behind your financial decisions — spending triggers, avoidance, money stories — so you understand the "why" behind your numbers. Dua is educational reflection, not therapy, counselling, or financial advice, and is not a substitute for a qualified mental-health professional. Free to start on iOS and Android.
- [Charlie — AI Life Events Planner](https://www.richify.ai/team/charlie): Charlie is Richify's AI life-events agent. He runs the numbers on milestones — a new baby, buying a home, a wedding, a career change, eldercare, or retirement — modelling one-off costs, new recurring expenses, and income changes against your current picture. Charlie maps the costs and never tells you what to do. Educational only, not advice. Free to start on iOS and Android.
- [Homepage](https://www.richify.ai): The main landing page showcasing Richify's key features: AI portfolio insights, financial learning tools, and investment tracking. Designed for young adults starting their financial journey.
- [Australia Landing](https://www.richify.ai/au): Australia-specific landing page with localised content, portfolio tracking features, and download CTA for Australian users.
- [Spanish Landing](https://www.richify.ai/es): Spanish-language landing page for LATAM and Spain markets. Full Spanish UI with culturally relevant financial goals (inflation protection, FIRE, debt payoff), AI agent descriptions, testimonials from users in Mexico City, Buenos Aires, and Madrid. FAQ schema in Spanish.
- [Portuguese Landing](https://www.richify.ai/pt): Brazilian Portuguese landing page. Full Portuguese UI with culturally relevant financial goals (R$ currency, FGTS, Tesouro Direto), AI agents including Jorge Paulo Lemann style, testimonials from São Paulo, Lisboa, and Rio de Janeiro. FAQ schema in Portuguese. Free calculators hub at richify.ai/pt/free-calculators.
- [Brazil Tools Landing](https://www.richify.ai/br): Brazil-specific landing page with tools for INSS, FGTS, Imposto de Renda, Tesouro Direto, CLT vs PJ. Links to 10 Brazilian financial calculators. Portuguese-BR UI with FAQ schema.
- [Financial Quiz](https://www.richify.ai/financial-quiz): Interactive financial literacy quiz that assesses users across emergency savings, goal clarity, investment tracking, debt management, and daily spending awareness. Provides a personalised financial confidence score and actionable tips.
- [Get Started Flow](https://www.richify.ai/start): Multi-step onboarding flow that walks new users through financial clarity assessment, retirement gap analysis, and contribution planning before prompting app download.
- [All Portfolio One View](https://www.richify.ai/all-portfolio-one-view): Interactive demo of Richify's portfolio aggregation feature. Shows how users bring all their accounts into one view, see asset allocation, and get AI-powered insights in a single dashboard.
- [Privacy Policy](https://www.richify.ai/privacy): Full privacy policy for Richify AI.
- [Terms of Service](https://www.richify.ai/terms): Terms of service for Richify AI.
- [Delete Account](https://www.richify.ai/deleteaccount): Account deletion request page for Richify users.

---

## Free Gamified Financial Tools

Interactive, gamified financial calculators available across four markets. No login required. Each tool includes FAQ schema for structured data and SEO.

### Tools — Australia /au
- [Reality Check](https://www.richify.ai/au/reality-check): Cost of living calculator by Australian suburb — Survival Score (0–100), 6 lifestyle sliders, full monthly breakdown with Australian 2025-26 tax brackets + Medicare Levy
- [Gig Tax Calculator](https://www.richify.ai/au/gig-tax-calculator): Side hustle and freelancer tax estimator — 45+ gig types across rideshare, delivery, freelance, crypto, and more
- [Opportunity Cost Calculator](https://www.richify.ai/au/opportunity-cost): See what daily spending really costs over 1/5/10/20 years with compounding
- [Subscription Roast](https://www.richify.ai/au/subscription-roast): Find and cancel wasted subscriptions — snarky roast + actual cancellation links
- [Super Snapshot](https://www.richify.ai/au/super-snapshot): Compare your superannuation balance to ASFA comfortable standard. Super Score (1–100), gap analysis, badges ('Koala Saver', 'Wombat Warrior', 'Kangaroo Climber')
- [Home Deposit Race](https://www.richify.ai/au/home-deposit-race): Racing track UI — your deposit timeline vs. average Australian first-home buyer. Includes stamp duty, FHSS, FHOG
- [HECS Calculator](https://www.richify.ai/au/hecs-calculator): Project when your HECS-HELP student debt disappears — repayment thresholds, indexation impact, payoff year
- [Suburb Swap](https://www.richify.ai/au/suburb-swap): Side-by-side cost comparison between any two Australian suburbs
- [Stamp Duty Calculator](https://www.richify.ai/au/stamp-duty-calculator): Calculate transfer duty across all 8 Australian states and territories. First-home buyer exemptions, investor surcharges (7–8%), state-by-state comparison, 2024-25 rates. FAQ schema.
- [Superannuation Calculator](https://www.richify.ai/au/tools/super-calculator): See if your super is on track. Projects balance at retirement vs ASFA comfortable ($595K) and modest ($350K) standards. SG rate 12%, salary sacrifice gap analysis, milestone projections, context-aware Felix CTA.
- [Retirement Calculator Australia](https://www.richify.ai/au/tools/retirement-calculator): Find your personal retirement number. City-specific cost data (Sydney, Melbourne, Brisbane, Perth, Adelaide, Hobart), Age Pension toggle, projected balance vs target comparison. AI-citation-ready data table.
- [FIRE Calculator Australia](https://www.richify.ai/au/tools/fire-calculator): AU-specific FIRE calculator with 3.5% safe withdrawal rate, two-phase retirement model (bridge portfolio before super at 60), Lean/FIRE/Fat FIRE tiers, city-specific FIRE numbers, savings rate timeline.
- [CGT Calculator Australia](https://www.richify.ai/au/tools/cgt-calculator): Australian Capital Gains Tax with 50% individual discount (33.33% SMSF, 0% companies/non-residents post-2012), ATO 2025-26 marginal brackets ($0-$18,200 nil; $18,201-$45,000 16%; $45,001-$135,000 30%; $135,001-$190,000 37%; $190,001+ 45%), 2% Medicare levy, capital loss offset (applied before discount per ATO ordering rule). Models shares, ETFs, property (investment), crypto for residents, non-residents, companies, and SMSFs. 10 factual FAQs covering main residence exemption, cost base elements, crypto CGT, SMSF accumulation/pension phase, non-resident rules.
- [FBT Calculator Australia](https://www.richify.ai/au/tools/fbt-calculator): Australian Fringe Benefits Tax. Flat 47% on grossed-up taxable value paid by employer. Type 1 gross-up 2.0802 (GST credit available); Type 2 gross-up 1.8868 (no GST). Models car statutory formula (20% × base value × days÷365), car operating cost (logbook business %), expense payments, low-interest loans (vs ATO benchmark ~8.45% FY25-26), residual benefits. Employee Contribution Method (ECM) reduces taxable value $-for-$. Reportable Fringe Benefits Amount (RFBA) appears on income statement if grossed-up > $3,773 — affects HECS, MLS, family benefits but NOT income tax directly. EV exemption since 1 Jul 2022 under LCT $91,387 threshold. PBI cap $17,000 grossed-up, hospital cap $9,010. FBT year ends 31 March, return due 21 May. 10 factual FAQs.
- [Negative Gearing Calculator Australia](https://www.richify.ai/au/tools/negative-gearing-calculator): Australian rental property cash-flow + 10-year wealth scenario. Models annual rent vs interest + property management + council rates + strata + insurance + repairs + Div 40/43 depreciation. Net loss reduces taxable income at marginal rate (16/30/37/45% + 2% Medicare for FY 2025-26). 50% CGT discount applied on hypothetical year-10 sale (assets held >12 months). Capital growth and rent growth assumptions adjustable. Cumulative after-tax cash flow + final equity after CGT. Recent rule changes captured: travel deductions removed for residential post-1-Jul-2017; second-hand Div 40 plant equipment removed post-9-May-2017. Building depreciation Div 43 only for buildings constructed post-16-Sep-1987 at 2.5%/year over 40 years. 10 factual FAQs.
- [UK IR35 / Off-Payroll Working Calculator](https://www.richify.ai/uk/tools/ir35-calculator): IR35 contractor tax calculator. Compares Inside IR35 (deemed employment — PAYE Income Tax + employee NIC 8/2% at marginal rates) vs Outside IR35 (Personal Service Company — Corporation Tax 19% small profits / 25% main / marginal 26.5% on £50k-£250k band + dividend tax 8.75/33.75/39.35%). April 2021 Chapter 10 ITEPA 2003 reform shifted status determination to medium/large private clients (was contractor pre-2021). Public sector since 2017. HMRC's CEST tool (Check Employment Status for Tax) gives official determination. Status tests from case law (Hall v Lorimer 1994, Ready Mixed Concrete 1968): mutuality of obligation, right of substitution, control, financial risk, integration. Notable tribunal cases: Adrian Chiles, Lorraine Kelly, Gary Lineker. Typical net-saving outside IR35 ~£8k+ per year for £100k+ contractors. 10 factual FAQs covering CEST mechanics, contract-by-contract status, retrospective HMRC investigation exposure, umbrella vs Ltd inside IR35, expense deductibility differences.
- [UK Take-Home Pay Calculator](https://www.richify.ai/uk/tools/take-home-pay-calculator): UK net pay calculator 2025-26. Computes Income Tax (Personal Allowance £12,570 frozen to 2027-28; 20% basic to £50,270; 40% higher to £125,140; 45% additional; PA tapers £1 per £2 over £100k — fully gone at £125,140 creating 60% effective marginal in that band), National Insurance Class 1 (0% to £12,570, 8% to £50,270 — reduced from 12% in two 2024 cuts, 2% above), and Student Loan repayments (Plan 1 £24,990 / Plan 2 £27,295 / Plan 4 £31,395 / Plan 5 £25,000 all at 9%; Postgraduate Loan PGL 6% above £21,000, stacks). Scotland separate income tax bands 19/20/21/42/45/48% — NIC and Student Loan rates unchanged by devolution. Annual and monthly net pay breakdown. 10 factual FAQs covering benefits-in-kind, salary sacrifice impact (£1 saves up to 62p in PA taper band), self-employment + multiple jobs, auto-enrolment pension, year-to-date PAYE cumulative calculation.
- [Marriage Allowance Calculator UK](https://www.richify.ai/uk/tools/marriage-allowance-calculator): UK Marriage Allowance eligibility checker (ITA 2007 ss.55A-55E, Finance Act 2014). Lets a lower-earning married/civil-partner spouse transfer £1,260 (10% of £12,570 Personal Allowance) to basic-rate-taxpayer spouse, saving up to £252/yr. Eligibility: (1) married or civil-partnered (NOT cohabiting); (2) transferor income below £12,570 PA; (3) recipient income £12,571-£50,270 basic-rate band (higher and additional rate NOT eligible). Backdate up to 4 prior tax years for cumulative refund up to £1,008. Apply at gov.uk/marriage-allowance using transferor's tax account. Separate from Married Couple's Allowance (MCA) for couples born before 6 April 1935. Same-sex couples + civil partners equally eligible. 10 factual FAQs covering backdating mechanics, mid-year income changes, self-employed scenarios, MCA distinction, benefits impact (none direct).
- [Stamp Duty (SDLT) Calculator UK](https://www.richify.ai/uk/tools/stamp-duty-calculator): UK Stamp Duty Land Tax calculator (England & Northern Ireland) post-1-April-2025 bands. Standard residential rates: 0% (£0-125k), 2% (£125-250k), 5% (£250-925k), 10% (£925k-£1.5M), 12% (>£1.5M). First-Time Buyer Relief: 0% to £300k, 5% £300-500k, NO relief above £500k. Higher-rate surcharge for additional properties (BTL, second homes, company purchases): +5 percentage points from 31 October 2024 (raised from +3pp). Non-resident surcharge +2 percentage points since 1 April 2021 (refundable if you become UK-resident within 12 months). Due within 14 days of completion via SDLT1 return — typically filed by conveyancing solicitor. Scotland uses LBTT (Revenue Scotland), Wales uses LTT (Welsh Revenue Authority) with different rates. 10 factual FAQs covering FTB eligibility (worldwide first-time test), Multiple Dwellings Relief abolition 1 June 2024, refund of additional surcharge on main residence replacement (36 months), mixed-use property classification, lease premium SDLT.
- [Dividend Tax Calculator UK](https://www.richify.ai/uk/tools/dividend-tax-calculator): UK dividend tax 2025-26 calculator. Personal Allowance £12,570 (frozen until 2027-28, tapered £1-per-£2 above £100,000, fully gone at £125,140). Dividend Allowance £500 (reduced from £2,000 pre-2023-24 to £1,000 in 2023-24, then £500 from April 2024). Band rates: 8.75% basic (up to £50,270 total income), 33.75% higher (£50,271-£125,140), 39.35% additional (above £125,140). HMRC ordering: Personal Allowance applied first to wages/non-savings income, then savings, then dividends. Stacks dividends on top of salary to determine marginal bracket. Scotland: separate income tax bands but dividends still use UK-wide rates (devolution does not cover dividends). 10 factual FAQs covering ISA/SIPP tax-free shelter (£20k ISA cap, dividends tax-free in wrapper), High Income Child Benefit Charge (£60k threshold post-April 2024), Self Assessment trigger thresholds, inter-spouse share transfer (s.58 TCGA 1992 income splitting), UK REIT PID vs non-PID distinction, foreign dividend DTR.
- [LMI Calculator Australia](https://www.richify.ai/au/tools/lmi-calculator): Australian Lenders Mortgage Insurance estimator using indicative Helia (formerly Genworth, ASX:HLI) and QBE LMI premium grids. Premium scales by LVR band (0.45% at 80-81% LVR up to 5.4% at 94-95%) and loan size ($500k / $750k breakpoints). Capitalisation toggle showing 30-year total cost vs upfront. First Home Guarantee Scheme eligibility check with all 8 city/region property caps (Sydney $900k / Melbourne $800k / Brisbane $700k / Adelaide+Perth+Hobart+Canberra $600k / regional $500k) and income caps ($125k single / $200k couple). 10 factual FAQs covering LMI definition + lender protection mechanism, premium calculation drivers, capitalisation mechanics, avoidance paths (FHG 35k places/yr, Family Home Guarantee 5k single parents 2% deposit, Regional FHB Guarantee, professional waivers, family guarantor loans), s.25-25 ITAA 1997 deductibility for investors over 5 years, refund mechanics, 90% LVR actuarial cliff explanation.
- [FHSS Calculator Australia](https://www.richify.ai/au/tools/fhss-calculator): First Home Super Saver Scheme calculator (ITAA 1997 Subdivision 138-A). Voluntary super contributions up to $15,000/year, $50,000 lifetime cap (raised from $30,000 on 1 July 2022) for first-home buyers. Deemed associated earnings calculated at ATO Shortfall Interest Charge (SIC) rate ~7.38% p.a. (set quarterly). Released amount = concessional contributions + earnings, taxed at marginal rate with 30% upfront withholding offset; non-concessional released tax-free. Eligibility: 18+, never owned property in Australia (limited financial hardship exception), intend to live as principal place of residence within 12 months for 6+ months. Must purchase within 24 months (extendable 12 months) of release or face 20% FHSS Tax reversal. Per-individual scheme — couples each get $50,000 = $100,000 combined. Apply via myGov BEFORE signing contract. Counts within $30,000 concessional cap. 10 factual FAQs covering mining/staking treatment under Sec 56 + 115BBH, NFT classification, partner FHSS access, contribution type choice (concessional vs non-concessional), external savings comparison crossover at ~30% marginal rate.
- [Salary Sacrifice Calculator Australia](https://www.richify.ai/au/tools/salary-sacrifice-calculator): Salary sacrifice to super calculator FY 2025-26. Stage 3 tax brackets effective 1 July 2024: 0% to $18,200, 16% to $45,000, 30% to $135,000, 37% to $190,000, 45% above. Plus 2% Medicare levy. Concessional contribution cap $30,000 (up from $27,500 in FY 2023-24). SG rate 11.5% rising to 12% from 1 July 2025 (Treasury Laws Amendment 2021). Super contributions tax 15%. Division 293 surcharge for $250k+ Div 293 income — additional 15%, combined 30% rate still beats 47% top marginal. Carry-forward unused concessional cap up to 5 years if Total Super Balance < $500k at prior 30 June. Compares take-home pay and net super with vs without sacrifice. 30-year lifetime wealth gain projection. 10 factual FAQs covering personal deductible vs salary sacrifice equivalence, employer SG not reduced by sacrifice, contribution splitting with spouse via NAT 71657, excess concessional contributions (Division 291) consequences.
- [Division 293 Calculator Australia](https://www.richify.ai/au/tools/division-293-calculator): Division 293 of Income Tax Assessment Act 1997. Additional 15% tax on concessional super contributions for high-income earners with Division 293 income exceeding $250,000 (threshold static since 1 July 2017, was $300,000 from FY 2012-13 to 2016-17). Applied to the LESSER of (a) total concessional contributions within the $30,000 FY 2025-26 cap, or (b) excess of Division 293 income over $250,000. Combined with the standard 15% contributions tax inside super, effective rate on concessional contributions for affected earners = 30% — still 17 percentage points cheaper than 47% top marginal (45% + 2% Medicare). Division 293 income = taxable income + reportable fringe benefits + net investment loss + reportable super contributions + foreign income, less super lump sum taxed elements. Payment within 21 days of ATO assessment via cash or release authority from super fund. 10 factual FAQs covering SG mandatory contribution implications, excess concessional contributions (Division 291) stacking, SMSF parity, comparison to BBSC ($3M+ super extra 15%), threshold non-indexation.
- [SMSF Pension Phase Calculator Australia](https://www.richify.ai/au/tools/smsf-pension-phase-calculator): SMSF accumulation vs pension phase tax projection. Transfer Balance Cap general limit $1.9M from 1 Jul 2023 (indexed in $100k increments to CPI). Pension phase earnings taxed 0%; accumulation phase taxed 15% (10% on CGT for assets >12 months). Minimum drawdown rates by age: 4% (under 65), 5% (65-74), 6% (75-79), 7% (80-84), 9% (85-89), 11% (90-94), 14% (95+). Transition to Retirement (TTR) earnings have been taxed at 15% (not 0%) since 1 Jul 2017 unless the member meets a full condition of release. Excess Transfer Balance Tax 15% first breach, 30% subsequent. Proposed Division 296 (Better Targeted Super Concessions) extra 15% tax on earnings attributable to balances above $3M deferred to FY 2026-27. Segregated vs proportional method for ECPI. Year-by-year projection compares pension vs accumulation tax outcomes; quantifies tax saved. 10 factual FAQs covering TBC mechanics, TSB ≠ TBC distinction, death benefit pensions, GAR vs personal TBC.
- [Average Super Balance by Age](https://www.richify.ai/au/data/average-super-balance-by-age): ATO 2024-25 data table showing average super by age (20-65+), split by gender (men, women) and median. Interactive percentile calculator. AI citation magnet — Dataset schema.
- [Net Worth Tracker Australia](https://www.richify.ai/au/net-worth-tracker): Track super, ASX, HECS, investment property, and crypto in one AUD net-worth view. Competitor comparison table (Richify vs PocketSmith vs Frollo vs FinancialAha vs Sharesight). ABS median net worth benchmarks. FAQPage JSON-LD.
- [Wealth Tracker Australia](https://www.richify.ai/au/wealth-tracker): All-in-one Australian wealth tracker — super, ASX, HECS, property, crypto. Answers "best free wealth tracker app Australia 2026." ABS SIH data, spreadsheet-friction problem grid.
- [Portfolio Tracker Australia](https://www.richify.ai/au/portfolio-tracker): Cross-custodian portfolio tracker for ASX, super, investment property, and crypto. Gap: Sharesight, CommSec, and HESTA each show only their own accounts — no unified view.
- [Free Australian Financial Calculators](https://www.richify.ai/au/tools): Hub page indexing all AU financial calculators — super, tax, FIRE, mortgage, retirement, CGT, and more. Schema.org ItemList.
- [Australian Tax Calculator 2026](https://www.richify.ai/au/tools/income-tax-calculator): Income tax + Medicare Levy 2025-26 brackets, take-home pay, marginal rate breakdown.
- [Super Drawdown Calculator](https://www.richify.ai/au/tools/drawdown-calculator): Project how long super will last in retirement — withdrawal rate, market return, inflation, longevity scenarios.
- [Redundancy Tax Calculator](https://www.richify.ai/au/tools/redundancy-calculator): Genuine redundancy tax-free amount (FY 2025-26: $12,524 base + $6,264 per year of service), ETP withholding, net pay after tax.
- [Rent vs Buy Calculator Australia](https://www.richify.ai/au/tools/rent-vs-buy-calculator): Wealth comparison — buying with stamp duty/LMI/maintenance vs renting + investing the difference, capital growth assumptions, break-even year.
- [Rental Yield Calculator](https://www.richify.ai/au/tools/rental-yield-calculator): Gross + net rental yield, cash-on-cash return, after-expense cash flow for AU investment properties.
- [Loan Cost Calculator](https://www.richify.ai/au/tools/loan-cost-calculator): Total loan cost — interest paid, fees, comparison rate impact across 20–30 year loans.
- [What-If Scenarios Australia](https://www.richify.ai/au/tools/what-if-scenarios): AI money simulator hosted by Sam — projection math on user balance + contributions under steady/recession/high-inflation/save-more scenarios.
- [AI Budget Calculator Australia](https://www.richify.ai/au/tools/budget-calculator): AI-powered budget calculator for Australians — income + expense input, savings rate, 50/30/20 rule, surplus/deficit detection.

### Guides — Australia /au (Pillar Content for AI SEO)
- [Complete Superannuation Guide](https://www.richify.ai/au/guides/superannuation): 3,500+ words. SG 12%, contribution caps ($30K/$110K), carry-forward, fund types (MySuper/Industry/Retail/SMSF), investment options, lost super, salary sacrifice worked example, co-contribution, taxation stages, Fast Facts 2026 table.
- [FIRE Guide Australia](https://www.richify.ai/au/guides/fire-australia): How to retire early in Australia. Two-phase (three-phase) retirement model, 3.5% safe withdrawal rate (vs US 4%), city-specific FIRE numbers, Age Pension impact, franking credits, CGT planning, Melbourne case study.
- [First Home Buyer Guide](https://www.richify.ai/au/guides/first-home-buyer): FHSS scheme ($50K withdrawal), state-by-state grants table ($10K-$30K by state), First Home Guarantee (5% deposit, no LMI), stamp duty exemptions by state, deposit strategy stack.
- [Negative Gearing Guide](https://www.richify.ai/au/guides/negative-gearing): How negative gearing works in Australia — tax savings by bracket ($600K property example), deductible expenses, 5-year capital growth scenario, when to avoid it, negative vs positive gearing compared.
- [Age Pension & 2027 CGT Exemption](https://www.richify.ai/au/guides/age-pension-cgt-exemption-2027): The 30% minimum CGT rule from 1 July 2027 + the income-support carve-out. Plain-language explainer of the sharp divide between part-pensioners (~2.67M Age Pension recipients, ~860K part-pensioners) and self-funded retirees (~1.4M 65+). Side-by-side comparison table, interactive "two paths" illustrator, primary-source citations to Treasury, ATO, Services Australia. General information only.
- [Retirement Cost by City](https://www.richify.ai/au/data/retirement-cost-by-city): 11 Australian cities/regions. Comfortable and modest annual costs, required super balance (adjustable withdrawal rate), with/without Age Pension comparison. Sydney $58K/yr vs Regional QLD $38K/yr.
- [Gig Tax Guide Australia](https://www.richify.ai/au/guides/gig-tax-australia): Full ATO gig economy tax guide — ABN requirements, GST rules (rideshare mandatory from $1 vs $75K threshold for delivery), 88c/km deduction, BAS lodgement, ATO data matching (Uber, DoorDash, Airbnb, Airtasker, Etsy). 10 FAQs. FY 2025-26 rates.
- [DoorDash Driver Tax Australia](https://www.richify.ai/au/guides/doordash-driver-tax): DoorDash-specific AU tax guide. Delivery ≠ rideshare — $75K GST threshold applies (not mandatory from $1). Tax estimate table $20K–$80K income. Deductions: vehicle logbook, 88c/km, delivery bag, insulated containers, phone, parking.
- [Uber Eats Driver Tax Australia](https://www.richify.ai/au/guides/uber-eats-driver-tax): Uber Eats-specific AU tax guide. Delivery ≠ taxi service (rideshare). Gross income mechanics (customer fare → Uber fee → payout; tax on gross, deduct fee). Car vs bike deductions. Uber Eats vs Uber rideshare comparison table.
- [Richify vs MoneySmart](https://www.richify.ai/au/guides/richify-vs-moneysmart): Comparison vs ASIC's MoneySmart.gov.au — government budgeting portal vs AI-powered multi-asset planning. Feature gap analysis for property investors, SMSF trustees, and expats with overseas assets.
- [Best Personal Finance App Australia 2026](https://www.richify.ai/au/best-personal-finance-app): 7-app comparison — Frollo, WeMoney, Pocketbook, Raiz, Sharesight, FinancialAha, Richify. Goal-based chooser (super tracker, investment tracker, budgeter, FIRE planner). Feature matrix. 10 FAQs.
- [Mint Alternative Australia](https://www.richify.ai/au/mint-alternative): Best Mint alternatives for Australian users — Frollo (open banking), WeMoney, Pocketbook, and Richify. Comparison of AU-specific features (superannuation tracking, HECS, ATO tax categories).
- [Financial Wellbeing Hub Australia](https://www.richify.ai/au/financial-wellbeing): Australian Financial Wellbeing Hub — MoneySmart-aligned self-assessment covering emergency fund, debt ratios, super adequacy, insurance gaps, and FIRE readiness score with ABS peer percentiles.
- [Retirement Planning Australia](https://www.richify.ai/au/retirement-planning): Australian Retirement Planning Hub — ASFA comfortable/modest standards ($595K/$350K), Age Pension means test, super drawdown strategies, transition to retirement, Div 293, franking credits. Retire-at-55/60/65/70 scenarios.
- https://www.richify.ai/au/compare/richify-vs-sharesight: Richify vs Sharesight — AI financial planning vs portfolio performance reporting and CGT reporting for Australian investors. Functional layer comparison.
- https://www.richify.ai/au/compare/richify-vs-navexa: Richify vs Navexa — AI financial planning vs ASX portfolio analytics and CGT reporting. Investor type selector.
- https://www.richify.ai/au/compare/richify-vs-otivo: Richify vs Otivo — AI personal finance education vs AFSL-licensed automated advice. Regulatory distinction and use-case comparison.
- [Uber Driver Tax Australia](https://www.richify.ai/au/guides/uber-driver-tax): ATO rideshare tax rules — ABN + GST from $1 (taxi service exception, not $75K threshold), logbook method 88c/km, BAS lodgement quarterly.
- [Amazon Flex Driver Tax Australia](https://www.richify.ai/au/guides/amazon-flex-driver-tax): Amazon Flex tax — delivery ≠ rideshare, $75K GST threshold, ABN required, vehicle deductions, BAS.
- [Airtasker Tax Australia](https://www.richify.ai/au/guides/airtasker-tax): Airtasker side-hustle tax — ABN requirement, GST threshold, deductible expenses, ATO data matching since 2019.
- [Freelancer Tax Australia](https://www.richify.ai/au/guides/freelancer-tax): Freelance income tax — ABN, GST ($75K threshold), home office deductions, business vs hobby test, PSI rules.
- [EOFY Checklist Australia](https://www.richify.ai/au/guides/eofy-checklist-australia): End-of-financial-year checklist — super top-up before 30 June, deductions, capital gains harvesting, prepayments, work-from-home log.
- [How Much Super Should I Have?](https://www.richify.ai/au/guides/how-much-super-should-i-have): ASFA benchmark balances by age, ATO median data, salary-multiple targets, retirement-readiness gap math.
- [Common Super Mistakes](https://www.richify.ai/au/guides/common-super-mistakes-australia): Defaulting into MySuper without checking, ignoring fees, missing concessional cap, multiple accounts, lost super.
- [Superannuation Depletion Factors](https://www.richify.ai/au/guides/superannuation-depletion-factors): What makes super run out — sequence-of-returns risk, drawdown rate, longevity, fees, inflation.
- [ETF Investing Australia](https://www.richify.ai/au/guides/etf-investing-australia): ASX ETFs explained — VAS, VGS, VDHG, A200, IVV. Management fees, distributions, franking, DRP, tax treatment.
- [Negative Gearing Grandfathering Explained](https://www.richify.ai/au/guides/grandfathering-negative-gearing-explained): How proposed changes to negative gearing would grandfather existing investors — policy mechanics, ALP 2019 proposal, 2024-25 debate context.
- [ATO Payday Super Changes 2026](https://www.richify.ai/au/guides/ato-payday-super-changes-2026): Payday Super reform from 1 July 2026 — employers must pay SG with every payday (not quarterly), penalty regime, implementation timeline.
- [Private Health Insurance Australia](https://www.richify.ai/au/guides/private-health-insurance-australia): Medicare Levy Surcharge (1-1.5% above $97K single/$194K family), Lifetime Health Cover loading after 31, hospital vs extras, rebate tiers.

### Tools — Canada /ca
- [Reality Check](https://www.richify.ai/ca/reality-check): Cost of living by Canadian city — Canadian 2026 federal + provincial tax + CPP + EI
- [Gig Tax Calculator](https://www.richify.ai/ca/gig-tax-calculator): Side hustle tax estimator for Canada
- [Opportunity Cost Calculator](https://www.richify.ai/ca/opportunity-cost): Opportunity cost of daily spending with compounding
- [Subscription Roast](https://www.richify.ai/ca/subscription-roast): Cancel wasted subscriptions with cancellation guides
- [RRSP vs TFSA Sorter](https://www.richify.ai/ca/rrsp-vs-tfsa): 5-question sorting quiz — animated result card, projected tax savings, 30-year wealth difference, shareable 'I'm a TFSA person' card
- [Province Price Check](https://www.richify.ai/ca/province-price-check): Compare salary purchasing power across all 10 Canadian provinces — drag-and-drop leaderboard, animated province battle cards
- [FHSA Accelerator](https://www.richify.ai/ca/fhsa-accelerator): Project First Home Savings Account balance, tax refunds, and combined FHSA + Home Buyers' Plan power
- [Gig Tax Provincial](https://www.richify.ai/ca/gig-tax-provincial): Compare self-employment tax (federal + provincial + CPP) across all Canadian provinces
- [Net Worth Tracker Canada](https://www.richify.ai/ca/net-worth-tracker): RRSP, TFSA, FHSA, TSX stocks, real estate, crypto in one CAD net-worth view. StatCan median net worth benchmarks. Competitor comparison: Richify vs Wealthica vs PocketSmith vs Questrade vs Mint.
- [Wealth Tracker Canada](https://www.richify.ai/ca/wealth-tracker): Free Canadian wealth tracker — RRSP/TFSA/FHSA, TSX, investment property, crypto in CAD. Why Empower and Personal Capital don't work in Canada. FAQPage JSON-LD.
- [Portfolio Tracker Canada](https://www.richify.ai/ca/portfolio-tracker): Cross-custodian Canadian portfolio tracker — TSX/RRSP/TFSA/real estate unified. Gap: Questrade, Wealthsimple, and bank RRSP portals each show only their own accounts.
- [Canadian Personal Finance Hub](https://www.richify.ai/ca/tools): Hub indexing all CA tools — TFSA/RRSP/FHSA/CPP/OAS/RRIF calculators, guides, StatCan SFS data. Schema.org ItemList.

### Tools — United Kingdom /uk
- [Reality Check](https://www.richify.ai/uk/reality-check): Cost of living by UK city and neighbourhood — UK 2025-26 income tax + National Insurance (Class 1)
- [Gig Tax Calculator](https://www.richify.ai/uk/gig-tax-calculator): Side hustle tax estimator for UK — HMRC trading allowance, Class 2/4 NI
- [Opportunity Cost Calculator](https://www.richify.ai/uk/opportunity-cost): Opportunity cost of daily spending
- [Subscription Roast](https://www.richify.ai/uk/subscription-roast): Cancel wasted subscriptions
- [ISA Maximiser Challenge](https://www.richify.ai/uk/isa-maximiser): Project Stocks & Shares ISA and Lifetime ISA balance toward £20K allowance. ISA Score percentile vs. peers, LISA bonus calculation, badge system
- [Stamp Duty Shock Calculator](https://www.richify.ai/uk/stamp-duty-calculator): Calculate SDLT for England/Northern Ireland — first-time buyer relief, additional property 3% surcharge, dramatic reveal animation
- [Student Loan Decoder](https://www.richify.ai/uk/student-loan-calculator): Decode Plan 1/2/4/5 and Postgraduate loan — payoff timeline vs. write-off projection, monthly repayment impact
- [NI Class Check](https://www.richify.ai/uk/ni-calculator): Full payslip breakdown — income tax, employee NI, employer NI, take-home pay. Shows the hidden cost of employment
- [Net Worth Tracker UK](https://www.richify.ai/uk/net-worth-tracker): Track ISA, SIPP/workplace pension, buy-to-let, Premium Bonds, and crypto in one GBP net-worth view. ONS Wealth and Assets Survey benchmarks. Competitor comparison: Richify vs Emma vs Plum vs HL vs PocketSmith. FAQPage JSON-LD.
- [Wealth Tracker UK](https://www.richify.ai/uk/wealth-tracker): All-in-one UK wealth tracker — ISA, SIPP, property, crypto in GBP. Why HL and Vanguard UK only show their own platform accounts — no unified view across all your wealth.
- [Portfolio Tracker UK](https://www.richify.ai/uk/portfolio-tracker): Cross-custodian UK portfolio tracker — FTSE ETFs, ISA, SIPP, buy-to-let in one place. Gap: HL and Freetrade only track their own platforms; no property or cross-custodian view.
- [UK Landing](https://www.richify.ai/uk): UK locale home — ISA, SIPP, buy-to-let, Premium Bonds tracking. ONS Wealth and Assets Survey benchmarks. hreflang en-GB.
- [Free UK Financial Calculators](https://www.richify.ai/uk/tools): Hub indexing all UK tools — SDLT, IR35, ISA, dividend tax, take-home pay, IHT, pension AA. Schema.org ItemList.
- [Net Worth Percentiles UK](https://www.richify.ai/uk/data/net-worth-percentiles): ONS Wealth and Assets Survey percentile bands — 10th/25th/50th/75th/90th by age. Interactive percentile finder.

### Tools — LATAM /es (Español · Spanish-language gamified finance tools)
- [Free Calculators Hub LATAM](https://www.richify.ai/es/free-calculators): Index page listing all 10 LATAM Spanish financial tools. Schema.org ItemList structured data. Spanish UI.
- [Cazador de Gastos Hormiga](https://www.richify.ai/es/gastos-hormiga): Ant Expense Hunter — tracks small daily expenses (café, Uber, delivery, streaming, etc.) across 10 categories. 8-country LATAM support with local currencies. Shows monthly/annual/5-year investment cost of micro-spending. Interactive ant colony animation.
- [Termómetro Anti-Inflación](https://www.richify.ai/es/termometro-inflacion): Inflation Thermometer — visualises real salary erosion with thermometer UI (green→red). "Days worked for free due to inflation" viral hook. 8-country LATAM inflation data. Salary raise adequacy check.
- [Calculadora Libertad Financiera](https://www.richify.ai/es/libertad-financiera): LATAM FIRE Calculator — rocket launch countdown UI, 3 freedom modes (Básica/Cómoda/Total), 7-country support, savings rate slider showing non-linear timeline compression, 4% rule projection.
- [Test Tipo de Inversor](https://www.richify.ai/es/tipo-de-inversor): Investor DNA Test — 10 scenario-based psychology questions, 6 LATAM-specific archetypes (El Colchonero, El Dolarizador, El Criptofanático, El Emprendedor Eterno, El Hormiguita, El Impulsivo). No financial data collected.
- [Diagnóstico Financiero Familiar](https://www.richify.ai/es/diagnostico-familiar): Family Financial Health Check — the LATAM-unique family finance tool. Tracks income flowing to parents, siblings, children. Family Health Score 0-100, resilience test (what if income drops 20%), top 3 pressure points.
- [Calculadora de Dólares](https://www.richify.ai/es/calculadora-dolares): Dollar Survival Calculator — vault UI with 4 protection layers (Emergency, Savings Protection, Dollarized Investment, Total Armour). 8-country support with currency risk ratings. Only legal dollarization methods.
- [Simulador AFP/Pensión](https://www.richify.ai/es/simulador-pension): AFP/Pension Reality Check — expectation vs reality split-screen. 5-country support (MX AFORE, CL AFP, CO Colpensiones, PE AFP/ONP, AR ANSES). Replacement rate gap, lifestyle meter.
- [Calculadora de Emprendedor](https://www.richify.ai/es/calculadora-emprendedor): Business X-Ray — real profit calculator for LATAM entrepreneurs. Effective hourly rate reveal vs salaried employment. Covers materials, rent, employees, transport, marketing, services, and owner's time valuation.
- [Calculadora de Remesas](https://www.richify.ai/es/calculadora-remesas): Remittance Maximiser — 8 corridors (US→MX, US→GT, ES→CO, etc.), 5 transfer methods compared (WU, MoneyGram, bank, Remitly, Wise). 10-year fee accumulation shock, annual savings potential.
- [Deuda Estudiantil LATAM](https://www.richify.ai/es/deuda-estudiantil): Student Debt Freedom Calculator — ICETEX (CO), CAE (CL), Crédito Educativo (MX), PRONABEC (PE), PROGRESAR (AR). Interest/capital split per payment, freedom date countdown, extra payment impact.
- [Calculadoras Financieras LATAM](https://www.richify.ai/es/tools): Hub indexing all LATAM Spanish financial calculators. Schema.org ItemList. Spanish UI.

### Tools — Brazil /br (Português Brasileiro · Brazilian Portuguese gamified finance tools)
- [Free Calculators Hub Brasil](https://www.richify.ai/pt/free-calculators): Index page listing all Brazilian financial tools. Schema.org ItemList structured data. Portuguese UI.
- [Raio-X do Salário](https://www.richify.ai/br/raio-x-salario): Salary X-Ray — full anatomy of a Brazilian salary from gross to net. INSS 2026 progressive table (7.5%→14%), IRRF calculation with dependents, employer cost breakdown (INSS patronal 20%, FGTS 8%, 13º and férias provisions), CLT vs PJ equivalence calculator. X-ray animation gamification.
- [CLT vs PJ Calculadora](https://www.richify.ai/br/clt-vs-pj): The most debated financial decision in Brazil — gamified as an 8-round boxing match. Compares CLT líquido real (including 13º, férias, FGTS, seguro-desemprego, health plan) vs PJ líquido real (after Simples Nacional/Lucro Presumido taxes, accountant costs, self-funded benefits). Simples Nacional rates by Anexo III/IV/V.
- [Caçador de Gastos Formiguinha](https://www.richify.ai/br/gastos-formiguinha): Brazilian ant expense hunter — 10 Brazil-specific spending categories (iFood, cafezinho, Uber/99, streaming, parcelas do cartão, apostas esportivas, Shopee/Shein). Parcelamento alert reveals hidden instalment commitment. 5-year Tesouro Selic compound calculation. Ant colony animation.
- [Simulador Tesouro Direto](https://www.richify.ai/br/tesouro-direto-simulador): Bond battle arena — Selic vs IPCA+ vs Prefixado. IR regressivo by holding period (22.5%→15%), pouspança comparison, winner declaration with net returns.
- [Calculadora FGTS](https://www.richify.ai/br/calculadora-fgts): FGTS balance estimator + optimiser. 5-year projection, CDI opportunity cost comparison, saque-aniversário vs rescísão scenarios, mortgage amortisation savings calculator.
- [Score de Crédito Descomplicado](https://www.richify.ai/br/score-credito): Credit score diagnostic — 8-question profile, estimated Score 0–1000, ranked action plan by impact, mortgage interest penalty reveal for low scores. No CPF queried.
- [Simulador Imposto de Renda](https://www.richify.ai/br/simulador-ir): IRPF 2026 calculator — simplified vs complete declaration comparison, 5 brackets, deductions (saúde/educação/PGBL/dependentes/aluguel), restituition estimate, effective tax rate.
- [Calculadora Liberdade Financeira](https://www.richify.ai/br/liberdade-financeira): FIRE calculator for Brazil — FIRE/Lean/Fat FIRE numbers, savings rate impact, progress bar, 4% rule, inflation-adjusted projections.
- [Financiamento Imobiliário](https://www.richify.ai/br/financiamento-imobiliario): Mortgage simulator SAC vs Price — first/last payment comparison, total interest reveal, SAC savings vs Price, minimum income (30% rule).
- [Simulador Aposentadoria INSS](https://www.richify.ai/br/aposentadoria-inss): INSS pension simulator — benefit calculation (60%+2% rule), replacement rate, monthly gap analysis, lump sum needed to fill gap (4% rule), required monthly savings.
- [Calculadoras Financeiras Brasil](https://www.richify.ai/br/tools): Hub indexing all Brazilian financial calculators — INSS, FGTS, IR, Tesouro Direto, CLT vs PJ. Schema.org ItemList. Portuguese-BR UI.

### Tools — China /cn (简体中文 · Baidu-optimised)
- [Free Calculators Hub 中国](https://www.richify.ai/cn/free-calculators): Index page listing all 10 Chinese financial tools. Schema.org ItemList structured data. Simplified Chinese UI with PingFang SC typography.
- [躺平指数计算器](https://www.richify.ai/cn/lying-flat-index): Lying Flat Index — calculates the lump sum needed for financial freedom (躺平) in any of 15 Chinese cities. Lifestyle dial (极简→精致), 4% rule, city comparison table, badge system from 初级候选人 to 躺平自由达成
- [个税优化计算器](https://www.richify.ai/cn/tax-optimiser): Personal Income Tax Optimiser — 2026 Chinese 7-bracket tax system, 7 special deduction checkboxes (子女教育, 住房贷款利息, 赡养老人 etc.), salary dissection animation, annual bonus optimisation (single vs merged calculation), 省税达人 Level 1–3 badges
- [房贷压力测试](https://www.richify.ai/cn/mortgage-stress-test): Mortgage Stress Test — pressure gauge UI green→amber→red, LPR stress scenarios (+50/100/150bps), debt-to-income ratio with threshold markers, total interest shock reveal, Health Score 0–100, tier labels 稳如泰山 → 随时爆雷, early repayment simulator with countdown date
- [消费降级计算器](https://www.richify.ai/cn/consumption-downgrade): Consumption Downgrade Calculator — 8 Chinese-specific spending sliders (奶茶/外卖/双11/streaming/beauty/games/clothes/DiDi), live annual savings counter, happiness index that falls under extreme frugality, 5-year compounded return, 断舍离大师 badge
- [A股情绪体检](https://www.richify.ai/cn/investor-personality): A-Share Investor Personality Test — 10 scenario-based psychology questions, 6 archetypes (价值猎手/散户韭菜/懒人定投者/情绪赌徒/趋势骑手/躺平理财师), shareable result card. No financial data collected. Educational/entertainment only per compliance.
- [公积金最大化计算器](https://www.richify.ai/cn/hpf-maximiser): Housing Provident Fund Maximiser — treasure chest unlock UI, max HPF loan by city, 30-year interest saving vs commercial loan, withdrawal eligibility check, HPF Efficiency Score 0–100, 公积金满级玩家 badge
- [社保养老金预测器](https://www.richify.ai/cn/pension-forecast): Social Security Pension Forecast — guess-first mechanic (你以为 vs 现实 split reveal), Chinese state pension formula with 15-city pension base data, delayed retirement reform (延迟退休) alert, monthly gap, 发现养老缺口勋章 badge
- [教育基金规划师](https://www.richify.ai/cn/education-fund): Education Fund Planner — per-stage cost timeline (幼儿园→大学) with inflation, public/private/international school tiers by city, study-abroad option, monthly savings needed, cost-of-delay urgency, 教育基金先行者 badge
- [三口之家财务体检](https://www.richify.ai/cn/family-health-check): Family of Three Financial Health Check — Health Score 0–100 (从容家庭/压力山大/财务危机), 三座大山 (mortgage/education/elderly) as % of income with progress bars, monthly cash flow, emergency fund adequacy
- [理财产品风险雷达](https://www.richify.ai/cn/wmp-risk-radar): WMP Risk Radar — sonar scan UI, R1–R5 rating (CBIRC language), risk flag detection (保本承诺违反资管新规, P2P warning, no-contract alert), CBIRC verification instructions. Never names specific institutions. Mandatory disclaimer referencing CBIRC and police reporting.
- [China Hub](https://www.richify.ai/cn): 海外华人理财必备工具 — China hub for diaspora and onshore users. AI personal finance, multi-asset tracking. lang=zh-CN.
- [免费财务计算器](https://www.richify.ai/cn/tools): Hub indexing all Chinese financial calculators. Schema.org ItemList. Simplified Chinese UI.
- [中文金融术语词典](https://www.richify.ai/cn/glossary): Chinese financial glossary — ETF、A股、公积金、基金定投 and 25+ terms across investing/markets/tax clusters. DefinedTermSet schema.
- [个人所得税计算器](https://www.richify.ai/cn/tools/personal-income-tax-calculator): China personal income tax (个税) — 7-bracket progressive system, 6 special deductions (子女教育, 房贷利息, 赡养老人 etc.), annual bonus optimisation.
- [社保公积金计算器](https://www.richify.ai/cn/tools/shebao-calculator): Social insurance + housing provident fund (五险一金) calculator — city-specific bases and rates, employee/employer split, take-home pay impact.


### Tools — United States /us
- [Free Calculators Hub](https://www.richify.ai/free-calculators): Index page listing all 10 free US financial calculators — tax, retirement, debt, credit, investing. No login. Includes Schema.org ItemList structured data.
- [Reality Check](https://www.richify.ai/reality-check): Cost of living by US city and neighbourhood — US 2026 federal tax brackets + FICA
- [Gig Tax Calculator](https://www.richify.ai/gig-tax-calculator): Side hustle and freelancer tax estimator — self-employment tax, quarterly estimates
- [Opportunity Cost Calculator](https://www.richify.ai/opportunity-cost): Opportunity cost of daily spending with compounding
- [Subscription Roast](https://www.richify.ai/subscription-roast): Cancel wasted subscriptions
- [Cap Rate Calculator](https://www.richify.ai/cap-rate-calculator): Unlevered yield for rental properties — cap rate, NOI, OER, gross rent multiplier, with tier-1/secondary/tertiary market benchmarks
- [401(k) vs Roth IRA Death Match](https://www.richify.ai/us/401k-vs-roth): Boxing ring UI — 401(k) vs. Roth IRA scoring based on tax brackets, employer match, age, and income limits. Animated punches, trophy reveal, shareable 'I'm Team Roth' card
- [Student Loan Payoff Speedrun](https://www.richify.ai/us/student-loan-speedrun): Timer-style payoff calculator — extra payment impact, avalanche vs. snowball comparison, percentile ranking, PSLF eligibility, 'Any% debt-free' badge
- [State Tax Escape Map](https://www.richify.ai/us/state-tax-escape): Compare income tax across all 50 states adjusted for cost of living — no-income-tax states highlighted, Top 5 Best Moves ranking, side-by-side comparison
- [Credit Score Quest](https://www.richify.ai/us/credit-score-quest): RPG character sheet — credit score as Power Level, 5 stat bars (payment history, utilisation, age, mix, inquiries), Quest Log with ranked actions and point estimates, Boss Battle at 750 with mortgage savings reveal
- [HSA Cheat Code](https://www.richify.ai/us/hsa-cheat-code): Health Savings Account triple tax advantage unlock — contributions deductible, growth tax-free, withdrawals tax-free. HSA as retirement vehicle projection to age 65. State tax caveat for CA/NJ
- [HSA Limits 2026](https://www.richify.ai/us/hsa-limits-2026): IRS reference page — 2026 HSA contribution limits ($4,400 self / $8,750 family), HDHP requirements, 2025 vs 2026 comparison table, FAQ schema. Citation-bait structured data page.
- [401k Contribution Limits 2026](https://www.richify.ai/us/401k-contribution-limits-2026): IRS reference page — 2026 401k limit $23,500 ($31,000 age 50+, $34,750 age 60-63 SECURE 2.0), total combined limit $70,000, 2025 vs 2026 table, FAQ schema.
- [IRA Contribution Limits 2026](https://www.richify.ai/us/ira-contribution-limits-2026): IRS reference page — 2026 Roth/Traditional IRA limit $7,000 ($8,000 age 50+), Roth phase-out $150K-$165K (single) / $236K-$246K (MFJ), Backdoor Roth explained, FAQ schema.
- [FIRE Number Calculator](https://www.richify.ai/us/fire-calculator): Financial Independence Retire Early — Lean FIRE / FIRE / Fat FIRE thresholds with progress bars, savings rate slider showing non-linear timeline collapse, Coast FIRE milestone, safe withdrawal rate
- [Roth Conversion Calculator](https://www.richify.ai/us/roth-conversion-calculator): Compare keeping Traditional IRA/401(k) vs. converting to Roth IRA. Shows tax cost of converting now, break-even year when Roth overtakes Traditional, net advantage at retirement, and personalised verdict (Convert / Keep / Toss-Up). 2026 federal tax brackets.
- [California Income Tax Guide](https://www.richify.ai/us/california-income-tax): Complete guide to California state income tax for 2025. All 10 brackets (1%–13.3%), combined state+federal rates, key facts (capital gains taxed as ordinary income, standard deduction, property tax, sales tax, retirement income), FAQ schema.
- [Net Worth Tracker USA](https://www.richify.ai/us/net-worth-tracker): Track 401k, Roth IRA, HSA, taxable brokerage, investment property, and crypto in one USD net-worth view. Fed SCF 2022 median net worth benchmarks by age group. Competitor comparison: Richify vs Empower vs Copilot vs Monarch vs YNAB. FAQPage JSON-LD. hreflang cross-links to AU/CA/UK equivalents.
- [Wealth Tracker USA](https://www.richify.ai/us/wealth-tracker): Free American wealth tracker — 401k, Roth, brokerage, home equity, crypto in USD. Spreadsheet-friction problem grid. Why Empower is free for tracking but upsells 0.89% AUM advisory.
- [Portfolio Tracker USA](https://www.richify.ai/us/portfolio-tracker): Cross-custodian US portfolio tracker — Fidelity 401k + Vanguard Roth + Schwab brokerage + investment property in one view. Gap: each custodian only shows its own accounts; no unified cross-custodian view. Competitor comparison: Richify vs Empower vs Copilot vs Monarch vs M1 Finance vs Sharesight.
- [US Landing](https://www.richify.ai/us): US locale home — 401(k), Roth, HSA, taxable brokerage tracking. AI financial planning for Americans. hreflang en-US.
- [Free US Financial Calculators](https://www.richify.ai/us/tools): Hub indexing all US tools — 401k, Roth, HSA, FIRE, Backdoor Roth, Mega Backdoor, Roth Ladder, RMD, NIIT, 529, Capital Gains Harvest. Schema.org ItemList.
- [US Reality Check](https://www.richify.ai/us/reality-check): US-locale cost of living calculator (mirrors /reality-check root) — 2026 federal brackets + FICA + state tax adjust.
- [Gig Tax Calculator US](https://www.richify.ai/us/gig-tax-calculator): 1099 self-employment tax estimator — SE tax 15.3%, quarterly estimates, Schedule C deductions, state income tax.
- [Opportunity Cost US](https://www.richify.ai/us/opportunity-cost): Daily-spending opportunity cost projection with compounding — 1/5/10/20 year horizons in USD.
- [Subscription Roast US](https://www.richify.ai/us/subscription-roast): Subscription audit + cancellation guide for US streaming, fitness, and SaaS subscriptions.
- [Rental Income Calculator USA](https://www.richify.ai/us/tools/rental-income-calculator): Cap rate, cash-on-cash, NOI, after-tax cash flow for US rental properties. Schedule E mechanics, depreciation, 1031 exchange notes.
- [What-If Scenarios US](https://www.richify.ai/us/tools/what-if-scenarios): What-If projection explorer for Americans — recession, rate cuts, market drop, save-more scenarios. Powered by Sam.

### India Hub (richify.ai/in)
India-specific landing page with localised content for the Indian market. AI-powered financial planning in ₹ with lakh/crore notation. SEBI-compliant educational disclaimer. FAQ JSON-LD schema, BreadcrumbList, hreflang en-IN.

### Tools — India /in (₹ INR · Lakh/Crore notation · SEBI educational disclaimer)
- [SIP to ₹1 Crore Calculator](https://www.richify.ai/in/tools/sip-to-1-crore): Calculates monthly SIP needed to reach ₹1 Crore. Flat vs step-up SIP comparison, milestone timeline, XIRR calculation.
- [Retirement Calculator India](https://www.richify.ai/in/tools/retirement-calculator): Required corpus and monthly SIP for retirement. Inflation-adjusted expenses, EPF/PPF/NPS tracking, city-specific costs.
- [Step-Up SIP Calculator](https://www.richify.ai/in/tools/step-up-sip-calculator): Compares flat SIP vs annual step-up SIP. Year-by-year growth table, multiplier analysis, advantage calculation.
- [Net Worth Calculator INR](https://www.richify.ai/in/tools/net-worth-calculator): Track Indian assets (mutual funds, EPF, PPF, NPS, gold, real estate) and liabilities in INR. Percentile comparison.
- [NPS vs PPF vs ELSS Comparison](https://www.richify.ai/in/tools/nps-ppf-elss-compare): Section 80C instrument showdown. Lock-in period, returns, tax treatment, liquidity comparison.
- [FIRE Calculator India](https://www.richify.ai/in/tools/fire-calculator-india): Financial freedom number for Indian cities (Mumbai, Bangalore, Delhi, Tier 2). Withdrawal rate, inflation-adjusted projections.
- [Emergency Fund Calculator INR](https://www.richify.ai/in/tools/emergency-fund-india): Emergency fund target based on Indian expenses. Gap analysis, savings timeline, safety score.
- [New vs Old Tax Regime](https://www.richify.ai/in/tools/new-vs-old-tax-regime): FY 2025-26 tax regime comparison. 80C/80D/HRA/home loan inputs, winner recommendation with ₹ savings amount.
- [SIP vs Lumpsum Calculator](https://www.richify.ai/in/tools/sip-vs-lumpsum): Same-amount return comparison — SIP monthly spread vs one-time lumpsum investment. Shows which wins over 5-30 years.
- [Education Fund India](https://www.richify.ai/in/tools/education-fund-india): Future education cost with 8-12% education inflation. SIP needed for IIT/NIT/MBBS/abroad. Cost multiplier analysis.
- [Home Loan EMI vs Prepayment](https://www.richify.ai/in/tools/home-loan-emi-prepay): Standard EMI vs extra monthly prepayment. Interest savings, tenure reduction, years saved.
- [Income Tax Calculator India FY 2026-27](https://www.richify.ai/in/tools/income-tax-calculator): New vs Old tax regime side-by-side comparison. Updated FY 2026-27 slabs, rebate u/s 87A, surcharge thresholds, marginal relief, cess. Standard deduction + HRA + 80C + 80D inputs.
- [Home Loan EMI Calculator India](https://www.richify.ai/in/tools/home-loan-emi-calculator): EMI calculation with prepayment scenarios. Section 24(b) interest deduction (₹2L cap) and Section 80C principal deduction modeled. Year-by-year amortization.
- [PPF Calculator](https://www.richify.ai/in/tools/ppf-calculator): Public Provident Fund 15-year (extendable) projection at current ~7.1% rate. ₹1.5 lakh annual cap. Section 80C deduction. EEE tax-free maturity.
- [HRA Calculator (Section 10(13A))](https://www.richify.ai/in/tools/hra-calculator): House Rent Allowance exemption — minimum of (HRA received, 50%/40% basic, rent − 10% basic). Metro vs non-metro toggle.
- [Section 80C Optimizer](https://www.richify.ai/in/tools/section-80c-optimizer): Allocate ₹1.5 lakh 80C cap across ELSS, PPF, EPF, NSC, NPS. Lock-in periods, expected returns, liquidity, comparative tax savings.
- [F&O Trading Tax Calculator India](https://www.richify.ai/in/tools/fo-trading-tax-calculator): Futures & Options tax calculator under Section 43(5)(d) of the Income Tax Act 1961. F&O income treated as NON-SPECULATIVE BUSINESS INCOME taxed at slab rates (NOT 30% flat like crypto). Loss offsets ANY non-salary income same FY (Section 71); carry forward 8 years (Section 72) if ITR-3 filed by 31 July (non-audit) or 31 October (audit). Tax audit (Section 44AB) required if turnover > ₹10 crore (raised from ₹5 cr in Budget 2020). Turnover = absolute sum of profits + losses of each trade (notional, not gross). Presumptive taxation (Section 44AD) at 6% deemed profit if turnover < ₹2 crore (raised from ₹1 cr in Budget 2023) — 5-year lock-in. All expenses deductible: brokerage, STT (Options 0.0625% sale / Futures 0.0125% sale FY 2025-26), exchange transaction charges, GST on charges, depreciation, internet, advisory subscriptions, home office. Reported via ITR-3 Schedule BP. Distinguishes from intraday equity (speculative income — only offsets other speculative, 4-year carry-forward). 10 factual FAQs covering audit triggers including Section 44AB(e) for sub-₹10cr loss carry-forward cases, F&O vs intraday distinction, part-time trader treatment, STT deductibility difference.
- [Crypto/VDA Tax Calculator India](https://www.richify.ai/in/tools/crypto-tax-calculator): India Virtual Digital Asset tax calculator under Section 115BBH of the Income Tax Act 1961 (Finance Act 2022, effective 1 April 2022). 30% flat tax on gains from VDA transfer + 4% Health & Education Cess = 31.2% effective. Surcharge capped at 15% per Finance Act 2023. Applies to cryptocurrencies (BTC, ETH, etc.) and NFTs under Section 2(47A). No long-term vs short-term distinction — 30% applies regardless of holding period. Section 194S 1% TDS on transfers above ₹50,000 per FY (₹10,000 for specified persons under Section 44AA) since 1 July 2022 — refundable if total tax less than TDS. Section 115BBH(3) DISALLOWS offset of VDA losses against any other head of income AND prohibits carry-forward. Only cost of acquisition deductible — no fees, gas, brokerage, mining electricity. Mining/staking: receipt taxed at slab rate (Sec 56), subsequent sale at 30% (double tax). Airdrops/forks identically two-step taxed. Reported via Schedule VDA in ITR-2/ITR-3. 10 factual FAQs covering NFT exclusions, crypto-to-crypto swaps as two transactions, gift carryover cost basis Sec 49(1), foreign exchange holdings still taxable for residents, mining as business vs hobby choice.
- [Section 24 Home Loan Calculator India](https://www.richify.ai/in/tools/section-24-home-loan-calculator): Section 24 of Income Tax Act 1961. Self-Occupied Property (SOP) interest deduction capped at ₹2,00,000/yr under Section 24(b); Let-Out Property (LOP) interest deduction UNCAPPED with 30% standard deduction on NAV (Section 24(a)). Net loss from house property capped at ₹2L offset against other income under Section 71B with 8-year carry-forward. Section 80C principal repayment up to ₹1.5L combined with PPF/ELSS/EPF/NSC. Section 80EEA additional ₹1.5L for affordable housing loans sanctioned 1 Apr 2019 - 31 Mar 2022 (scheme closed). Pre-construction interest deductible over 5 years from completion. Joint loans allow each spouse to claim independently — combined household interest up to ₹4L per year. New regime removes Section 24 for SOP but retains for LOP; removes 80C and 80EEA. EMI amortisation built in; first-year interest/principal split + lifetime tax saving over loan tenor. 10 factual FAQs covering top-up loan use restrictions, multiple SOP rule post-FY 2019-20 (up to 2), deemed let-out for 3rd+ property, joint co-borrower mechanics, regime selection annual decision.
- [Advance Tax Calculator India](https://www.richify.ai/in/tools/advance-tax-calculator): Quarterly advance tax estimator under Sections 207-211 of the Income Tax Act 1961 for FY 2025-26. Four cumulative instalments: 15 June (15%), 15 September (45%), 15 December (75%), 15 March (100%). Required when total tax liability after TDS exceeds ₹10,000. Section 234C interest: 1% per month for 3 months on each missed instalment shortfall. Section 234B: 1%/month from 1 April of AY until paid if total advance+TDS < 90% of assessed tax. Section 234A: 1%/month from 1 August for late ITR filing. Senior citizens (60+) without business income exempt under Section 207(2). Presumptive taxpayers under Sections 44AD (business) / 44ADA (professionals) have single 100% instalment due by 15 March. Old + new regime FY 2025-26 slabs (Finance Act 2025 updates). New regime 87A rebate up to ₹60,000 for income ≤ ₹12L. Surcharge tiers: 10% (>₹50L), 15% (>₹1Cr), 25% (>₹2Cr/5Cr). 4% Health & Education Cess on tax. Payment via Challan ITNS-280 at incometax.gov.in. 10 factual FAQs covering TDS reconciliation via Form 26AS/AIS, 234A vs 234B vs 234C distinctions, capital gains mid-year handling, presumptive taxation single-instalment regime.
- [HUF Tax Optimiser](https://www.richify.ai/in/tools/huf-tax-optimiser): Hindu Undivided Family (Section 2(31)(ii) Income Tax Act 1961) income-splitting optimiser. Independent HUF PAN gets its own basic exemption (₹2.5L old / ₹4L new FY 2025-26), independent ₹1.5L Section 80C cap, ₹25K Section 80D cap, full slab progression — but NOT Section 87A rebate (individual-only). Models tax under both old and new regimes. Computes individual-only tax vs combined Individual+HUF split tax; quantifies annual saving and 25-year cumulative. Section 64(2) clubbing: income from assets transferred by member for inadequate consideration is clubbed back to transferor — only ancestral property income, gifts to HUF from non-members, or returns on HUF's own corpus are eligible legitimate HUF income. 10 factual FAQs covering HUF formation, PAN application Form 49A, daughter coparcener equality post-Hindu Succession Amendment 2005, Karta succession, 80C eligible instruments for HUF, Section 10(2) member tax-free share, ITR-2/ITR-3 filing requirements.
- [EPF Calculator](https://www.richify.ai/in/tools/epf-calculator): Employee Provident Fund corpus projection. 12% employee + 12% employer (3.67% EPF + 8.33% EPS), current 8.25% interest, salary growth, retirement corpus.
- [NPS Calculator](https://www.richify.ai/in/tools/nps-calculator): National Pension System Tier 1 corpus at age 60. Asset allocation across equity/corporate debt/government bonds. 60% lump sum / 40% mandatory annuity split.
- [SIP Returns Calculator](https://www.richify.ai/in/tools/sip-returns-calculator): General-purpose mutual fund SIP corpus calculator with step-up SIP and inflation-adjusted real returns toggle. Covers 1-40 year horizons.
- [Lumpsum Calculator](https://www.richify.ai/in/tools/lumpsum-calculator): One-time investment FV with inflation toggle, after-tax CAGR (LTCG 12.5%), Rule of 72 doubling milestones, ₹1 Cr first-reach indicator.
- [Rent vs Buy India](https://www.richify.ai/in/tools/rent-vs-buy-india): 25-year wealth comparison: home loan EMI + stamp duty + maintenance vs renting + investing the difference. Section 24(b) and 80C considered.
- [Stamp Duty Calculator (21 Indian states)](https://www.richify.ai/in/tools/stamp-duty-india): State-aware stamp duty + registration charges for 21 Indian states/UTs (Maharashtra, Karnataka, Delhi, Tamil Nadu, UP, etc.) with male/female/joint rebate handling and Section 80C deduction.
- [Property LTCG Calculator](https://www.richify.ai/in/tools/property-ltcg-calculator): Budget 2024 grandfathered comparison: 12.5% flat (no indexation) vs 20% with indexation. CII table FY 2001-02 to 2025-26, Section 54 + 54EC exemption modeling.
- [Equity Capital Gains Calculator](https://www.richify.ai/in/tools/equity-capital-gains-calculator): Listed equity / equity MFs / ETFs / unlisted shares / debt MFs CGT post-Finance-Act-2024. LTCG 12.5% above ₹1.25L exemption, STCG 20% (sections 111A/112A). Asset-specific holding thresholds (12 vs 24 months). Surcharge cap 15% for equity gains, 4% Health & Education Cess. Debt MFs purchased post-1-Apr-2023 taxed at slab rate. Pre-2018 grandfathering note. 9 factual FAQs.
- [Sukanya Samriddhi Yojana Calculator](https://www.richify.ai/in/tools/sukanya-samriddhi-calculator): SSY 21-year maturity projection at 8.2% (Q4 FY24-25 rate). Eligibility girl child below 10. Contribution range ₹250-₹1.5L/year over first 15 years; interest-only compounding years 16-21. EEE tax treatment (80C deduction old regime, tax-free interest, tax-free maturity). Two-account-per-family limit (twin/triplet exception). 10 factual FAQs covering eligibility, premature closure on marriage after 18, interest rate history (7.6-9.2% range), comparison with PPF, account default reactivation (₹50/year penalty), bank/post-office options, document checklist.
- [SCSS Calculator](https://www.richify.ai/in/tools/scss-calculator): Senior Citizens Savings Scheme calculator. Eligibility 60+ (or 55+ VRS retirees, defence at any age). Maximum deposit ₹30 lakh per individual (post-Budget 2023; raised from ₹15L). Interest 8.2% (Q4 FY24-25, locked at opening for full 5-year term). Quarterly payouts on 1 Apr / 1 Jul / 1 Oct / 1 Jan. EE tax structure (80C on deposit; interest fully taxable at slab; TDS 10% if annual interest > ₹50K). One-time 3-year extension at then-prevailing rate. Premature closure penalties: 1.5% in years 1-2, 1% in years 2-5. NRIs and HUFs ineligible. Joint accounts only with spouse (combined ₹30L cap). 10 factual FAQs covering eligibility paths, deposit limits, interest mechanics, tax treatment, extension rules, premature closure penalties, SCSS vs PMVVY (closed to new from 31 Mar 2023), document checklist.
- [India Landing](https://www.richify.ai/in): India locale home — AI financial planning in ₹ with lakh/crore notation. SIP, EPF, NPS, ELSS, Section 80C tracking. SEBI-compliant disclaimer. hreflang en-IN.
- [Free Indian Financial Calculators](https://www.richify.ai/in/tools): Hub indexing all India tools — SIP, retirement, tax, EPF, NPS, PPF, capital gains, home loan. Schema.org ItemList.
- [NPS Tier 1 vs Tier 2](https://www.richify.ai/in/nps-tier-1-vs-tier-2): NPS Tier 1 (locked, tax benefits, 60% lump sum + 40% annuity at 60) vs Tier 2 (open, no tax benefits, no lock-in) comparison.
- [Schedule VDA — Crypto ITR Guide](https://www.richify.ai/in/guides/schedule-vda-crypto-itr): Schedule VDA filing guide — how to report VDA gains in ITR-2/ITR-3, transaction-level reporting, exchange tax reports.
- [Housing Finance Companies India](https://www.richify.ai/in/home-loan/housing-finance-companies): HFC comparison — HDFC, LIC HF, Bajaj Housing Finance, PNB Housing — rates, eligibility, NHB regulation context.
- [NSC Calculator](https://www.richify.ai/in/tools/nsc-calculator): National Savings Certificate VIII calculator. 5-year tenure with annual compounding paid at maturity. Current rate 7.7% (Q4 FY24-25 indicative; locked at purchase). Maturity factor ≈ 1.449× at 7.7%. Min ₹1,000 (multiples of ₹100); no max but Section 80C cap ₹1.5L. Tax structure: initial deposit eligible for 80C; years 1-4 interest accrued is taxable BUT also eligible for 80C deemed reinvestment (effectively tax-neutral with headroom); year 5 interest fully taxable as income from other sources. No TDS by Post Office. NRIs not eligible. Premature closure only in death/court order/pledge default — earns 4% post-office savings rate, NOT contracted 7.7%. Available as loan collateral at most banks. NSC IX (10-year) discontinued 2015. 10 factual FAQs covering tax treatment, NSC vs PPF/SCSS/FD comparison, loan collateral mechanics, transferability, 6-year record retention.

### India Hindi Content Hub /in/hi (हिन्दी · Hindi)
- [Hindi Content Hub](https://www.richify.ai/in/hi): Hindi-language hub for Indian personal finance — income tax, SIP, home loan, HRA, capital gains. lang=hi-IN.
- [Income Tax Hindi](https://www.richify.ai/in/hi/income-tax): आयकर FY 2026-27 — पुरानी vs नई कर व्यवस्था, slab rates, 87A rebate, surcharge in Hindi.
- [SIP Hindi](https://www.richify.ai/in/hi/sip): SIP (Systematic Investment Plan) समझाया — कैसे काम करता है, returns, step-up SIP, compounding in Hindi.
- [Home Loan Hindi](https://www.richify.ai/in/hi/home-loan): होम लोन गाइड — EMI, Section 24(b) ₹2L interest deduction, Section 80C principal, prepayment in Hindi.
- [HRA Hindi](https://www.richify.ai/in/hi/hra): HRA (House Rent Allowance) calculation — Section 10(13A) exemption, metro vs non-metro, rent receipts in Hindi.
- [Capital Gains Hindi](https://www.richify.ai/in/hi/capital-gains): पूँजीगत लाभ कर — LTCG 12.5% above ₹1.25L, STCG 20%, holding period, indexation in Hindi.
- [Crypto Tax Hindi](https://www.richify.ai/in/hi/crypto-tax): क्रिप्टो/VDA कर — Section 115BBH 30% flat tax, 1% TDS u/s 194S, no loss offset in Hindi.
- [F&O Tax Hindi](https://www.richify.ai/in/hi/fno-tax): F&O ट्रेडिंग कर — non-speculative business income, slab rates, turnover audit triggers in Hindi.
- [Gratuity Hindi](https://www.richify.ai/in/hi/gratuity): ग्रेच्युटी calculation — Payment of Gratuity Act, eligibility (5+ years), tax exemption ₹20L cap in Hindi.
- [NPS Tier 1 vs Tier 2 Hindi](https://www.richify.ai/in/hi/nps-tier-1-vs-tier-2): NPS Tier 1 (locked, tax-saving) vs Tier 2 (open, flexible) comparison in Hindi.
- [Advance Tax Hindi](https://www.richify.ai/in/hi/advance-tax): अग्रिम कर — Sections 207-211, 4 quarterly instalments (15%/45%/75%/100%), Section 234B/C interest in Hindi.
- [PPF Hindi](https://www.richify.ai/in/hi/ppf): PPF (Public Provident Fund) Hinglish guide — 7.1% rate, EEE tax treatment, ₹1.5L max, 15-year lock-in, partial withdrawal rules in Hindi.

### India Financial Glossary
- [Indian Financial Glossary](https://www.richify.ai/in/glossary): 30+ Indian financial terms explained — SIP, PPF, NPS, ELSS, Section 80C, NRE/NRO, DTAA, SEBI, UPI and more. Search, A-Z navigation, category filters.

### India Competitor Comparisons
- [Richify vs ET Money](https://www.richify.ai/in/compare/richify-vs-et-money): Feature-by-feature comparison — AI education vs mutual fund marketplace. 12 comparison points.
- [Richify vs INDmoney](https://www.richify.ai/in/compare/richify-vs-indmoney): Feature-by-feature comparison — planning companion vs financial super-app. 12 comparison points.
- [Richify vs Groww](https://www.richify.ai/in/compare/richify-vs-groww): Richify (AI personal finance + 12 India tax/retirement calculators) vs Groww (SEBI-registered discount broker). Feature grid + 6 FAQs covering execution layer vs planning layer.
- [Richify vs Zerodha](https://www.richify.ai/in/compare/richify-vs-zerodha): Richify (planning + AI coaching + 12 India calculators) vs Zerodha (Kite stockbroker + Coin direct mutual funds + Varsity education). Functional layer comparison.
- [Richify vs Paytm Money](https://www.richify.ai/in/compare/richify-vs-paytm-money): Richify (AI financial education + India tax calculators) vs Paytm Money (SEBI-registered broker + direct mutual funds). Planning layer vs execution layer comparison. 10 comparison points.

### NRI Content (Non-Resident Indian)
- [NRI Investing Guide](https://www.richify.ai/in/nri/investing-guide): Complete guide — NRE/NRO accounts, DTAA tax treaties (90+ countries), repatriation rules, property investment, mutual funds.
- [NRE vs NRO Account](https://www.richify.ai/in/nri/nre-vs-nro): Side-by-side NRE vs NRO comparison — repatriation, tax treatment, interest rates, joint holding. High-volume definitional SEO.
- [NRI from Australia](https://www.richify.ai/in/nri/australia): Cross-border finance guide — FITO, superannuation, DTAA India-Australia, investing in India from AU.
- [NRI from USA](https://www.richify.ai/in/nri/usa): FATCA/FBAR compliance, 401(k) to India, PFIC rules for Indian mutual funds, property investment.
- [NRI from Canada](https://www.richify.ai/in/nri/canada): RRSP/TFSA implications, T1135 foreign property reporting, CRA compliance, investing in India from Canada.
- [NRI from UK](https://www.richify.ai/in/nri/uk): ISA/pension implications, HMRC SA106, state pension freezing, remittance basis taxation.
- [NRI Tax Guide India FY 2026-27](https://www.richify.ai/in/nri/tax-guide): Comprehensive NRI tax guide — Section 6 residency, TDS rates, DTAA, NRO/NRE income, capital gains, ITR-2 filing.

---

## Reality Check — Neighbourhood Detail

Interactive tools that calculate a "Survival Score" (0–100) for specific neighbourhoods. Users pick an area, set their salary, adjust 6 lifestyle sliders (coffee, dining, rideshare, shopping, weekend activities, streaming), and get an instant score with full monthly cost breakdown including tax calculations.

### USA (richify.ai/reality-check)
- 22 neighbourhoods across 6 cities: New York, Los Angeles, Chicago, Austin, Denver, Miami
- US 2026 federal tax brackets + standard deduction + FICA (Social Security + Medicare)
- Key neighbourhoods: Williamsburg, Silver Lake, Wicker Park, East Austin, RiNo, Wynwood

### Australia (richify.ai/au/reality-check)
- 23 suburbs across 6 cities: Sydney, Melbourne, Brisbane, Perth, Adelaide, Hobart
- Australian 2025-26 tax brackets + 2% Medicare Levy
- Key suburbs: Newtown, Fitzroy, West End, Northbridge, Norwood, North Hobart

### United Kingdom (richify.ai/uk/reality-check)
- 20 areas across 6 cities: London, Manchester, Bristol, Edinburgh, Birmingham, Leeds
- UK 2025-26 income tax brackets + National Insurance (Class 1)
- Key areas: Shoreditch, Northern Quarter, Stokes Croft, Stockbridge, Digbeth, Headingley

### Canada (richify.ai/ca/reality-check)
- 20 neighbourhoods across 6 cities: Toronto, Vancouver, Montreal, Calgary, Ottawa, Halifax
- Canadian 2026 federal income tax + Ontario provincial tax + CPP + EI
- Key neighbourhoods: Kensington Market, Commercial Drive, Mile End, Kensington (Calgary), Centretown, North End

---

## Technical Details
- Built with Next.js (React)
- All Reality Check and tool pages are statically pre-rendered (SSG) for fast loading
- Structured data (JSON-LD FAQ schema) on all tool pages
- Sitemap: https://www.richify.ai/sitemap.xml
- Extended LLM context (with FAQ content): https://www.richify.ai/llms-full.txt
- Structured tool data (Schema.org): https://www.richify.ai/.well-known/structured-data.json
- AI Plugin Manifest: https://www.richify.ai/.well-known/ai-plugin.json
- 85+ neighbourhood pages + 50+ tool pages + 22 India pages + core site pages

## Comparison Pages
- https://www.richify.ai/compare/richify-vs-frollo: Richify vs Frollo — AI planning vs open banking
- https://www.richify.ai/compare/richify-vs-mint: Richify vs Mint — AI planning vs legacy budgeting (Mint discontinued)
- https://www.richify.ai/compare/richify-vs-ynab: Richify vs YNAB — free AI vs $14.99/mo envelope budgeting
- https://www.richify.ai/compare/richify-vs-baselane: Richify vs Baselane — AI financial planning vs real estate banking and financial management platform for landlords.
- https://www.richify.ai/compare/richify-vs-stessa: Richify vs Stessa — AI financial planning vs free real estate accounting software (acquired by Roofstock). Rental property tracking vs full financial picture.
- https://www.richify.ai/compare/richify-vs-rentastic: Richify vs Rentastic — AI financial planning vs simplified rental property income/expense tracking.
- https://www.richify.ai/compare/richify-vs-doorloop: Richify vs DoorLoop — AI financial planning vs property management software ($349/mo+). Planning vs operations distinction.
- https://www.richify.ai/compare/richify-vs-spreadsheets: Richify vs Spreadsheets — why AI beats manual spreadsheet tracking for personal finance.
- https://www.richify.ai/us/mint-alternative: Best Mint alternatives 2026 after Intuit shutdown
- https://www.richify.ai/us/financial-wellbeing: US Financial Wellbeing Score Hub — free CFPB-aligned 60-second self-assessment using the Consumer Financial Protection Bureau Financial Well-Being Scale 5-item short form (items A.1, A.2, A.3, B.1, B.2). Each item scored 0-4 Likert, raw sum 0-20, converted to normalised 0-100 score using CFPB published lookup table for working-age adults 18-79. Score bands: Stressed (below 40), Building (40-54), Healthy (55-67), Strong (68-84), Excellent (85+). US median is 54 from CFPB 2018 national survey. Page includes self-reported emergency-fund-months / savings-rate / debt-to-income side calculator (informational only, not blended into CFPB score), explainer of the 4 CFPB dimensions (control over day-to-day, capacity to absorb shock, on track to meet goals, freedom to make choices), comparison table of wellbeing-score vs credit-score vs net-worth (different measures, when each matters), and a personalised one-recommendation engine that identifies the user's worst-scoring response and gives a specific 30-day action. 10 factual FAQs covering CFPB methodology, scale citation, score vs income relationship (income explains ~15% of variance), wellbeing improvement levers ordered by impact, and the Roman / Bengen 4% rule connection to the goal-progress dimension.
- https://www.richify.ai/us/retirement-planning: US Retirement Planning Hub — 3-scenario readiness score (conservative/base/optimistic), 4% rule explainer with portfolio-by-income table (40K-200K target income), Social Security claiming math (62/FRA/70 with 70%/100%/132% benefit multipliers), SECURE 2.0 RMD rules (age 73 for born 1951-59, age 75 for born 1960+, Uniform Lifetime Table divisors), retire-by-age sections covering age 50 (Lean FIRE bridge before SS), 55 (Rule of 55 401k unlock), 60 (Medicare bridge, Roth conversion window), 65 (Medicare + Fidelity 10x benchmark), 70 (max delayed-credit Social Security). Links to 401k/Roth/HSA/RMD/Coast FIRE/Net Worth supporting calculators. Future-value engine with monthly compounding (same as /ca/tools/what-if-scenarios). 10 factual FAQs covering the 4% rule history (Bengen + Trinity), break-even age for SS delay (~80-82), Roth vs Traditional 401(k) decision matrix, inflation impact, FIRE vs traditional retirement difference, and Qualified Charitable Distributions under SECURE 2.0.
- https://www.richify.ai/us/compare/richify-vs-monarch: Richify vs Monarch Money — AI financial education vs $14.99/mo subscription budgeting app. Net-worth-focused vs cashflow-focused use case guide.
- https://www.richify.ai/us/compare/richify-vs-empower: Richify vs Empower (formerly Personal Capital) — free AI planning vs 0.89% AUM advisory. Feature comparison for users who want tracking without managed portfolios.
- https://www.richify.ai/us/compare/richify-vs-copilot: Richify vs Copilot Money — AI education vs $13.99/mo premium transaction categorization. iOS-only vs cross-platform availability.
- https://www.richify.ai/us/compare/richify-vs-portfoliopilot: Richify vs PortfolioPilot — AI financial planning vs AI investment analysis and portfolio scoring tool.
- https://www.richify.ai/us/compare/richify-vs-projectionlab: Richify vs ProjectionLab — AI multi-asset financial planning vs FIRE/retirement projection simulator.

## AU Guides & Data
- https://www.richify.ai/au/guides: Financial guides hub
- https://www.richify.ai/au/guides/superannuation: Complete superannuation guide
- https://www.richify.ai/au/guides/fire-australia: FIRE Australia guide
- https://www.richify.ai/au/guides/first-home-buyer: First home buyer guide (FHSS, grants)
- https://www.richify.ai/au/guides/negative-gearing: Negative gearing guide
- https://www.richify.ai/au/guides/age-pension-cgt-exemption-2027: Age Pension × 2027 CGT exemption explainer
- https://www.richify.ai/au/data: Financial data hub
- https://www.richify.ai/au/data/average-net-worth-by-age: Net worth by age (ABS data)
- https://www.richify.ai/au/data/average-super-balance-by-age: Super balance by age (ATO data)
- https://www.richify.ai/au/data/retirement-cost-by-city: Retirement cost by city
- https://www.richify.ai/au/data/average-salary-by-age: Average salary by age (ABS data) — median + mean by bracket, interactive percentile finder.
- https://www.richify.ai/au/data/average-savings-account-australia: Average savings account balance Australia — RBA + ABS data, by age bracket, rainy-day fund benchmarks.
- https://www.richify.ai/au/glossary: Financial terms glossary (40+ terms)

## CA Additional Tools
- https://www.richify.ai/ca/tools/cpp-calculator: CPP benefit calculator
- https://www.richify.ai/ca/tools/tfsa-calculator: TFSA room & growth calculator
- https://www.richify.ai/ca/tools/resp-calculator: RESP with CESG calculator
- https://www.richify.ai/ca/tools/fhsa-calculator: FHSA calculator ($8K/yr, $40K lifetime)
- https://www.richify.ai/ca/tools/rrsp-vs-tfsa: RRSP vs TFSA comparison
- https://www.richify.ai/ca/tools/rrif-calculator: RRIF minimum withdrawal calculator using CRA Income Tax Regulations s.7308 percentage table (5.28% at age 71, 5.82% at 75, 6.82% at 80, 8.51% at 85, 11.92% at 90, 18.79% at 94, 20% at 95+; pre-71 formula 1/(90-age)). Models younger-spouse election, 30-year balance projection, withholding tax tiers (10/20/30% federal, Quebec split). Conversion deadline 31 Dec age 71. OAS clawback threshold $93,454.
- https://www.richify.ai/ca/tools/rrsp-contribution-calculator: RRSP contribution room calculator. Computes lesser of (a) 18% prior-year earned income or (b) annual cap (2024 $31,560 / 2025 $32,490 / 2026 ~$33,810 estimated), plus carry-forward (since 1991), minus Pension Adjustment from T4 box 52. Tax saving at federal + 13 provincial/territorial marginal rates (combined 19-54% range). Over-contribution detection: $2,000 lifetime grace, then 1% per month penalty. First 60 days note (Jan 1 - Mar 1 contributions claimable on prior year's tax return). 10 factual FAQs covering Pension Adjustment, HBP $60K limit (raised in Budget 2024), LLP $20K limit, spousal RRSP attribution rule (3 calendar years), RRSP-to-RRIF conversion deadline at 71.
- https://www.richify.ai/ca/tools/tfsa-successor-calculator: TFSA death-of-holder designation calculator (Income Tax Act s.146.2). Compares Successor Holder (spouse/common-law partner only — TFSA continues seamlessly as survivor's TFSA, no contribution room used, no probate, all post-death growth tax-free) vs Beneficiary (any individual or charity — FMV-at-death passes tax-free, but post-death growth taxable, re-contribution to beneficiary's own TFSA limited by their available room). No designation defaults to estate: probate fees ~1.4-1.6% in Ontario/BC, taxable post-death growth, 6-18 month estate processing. Quebec exception: account-level designations have no legal effect — must designate in will via notary. Common-law partner eligible (12 months conjugal OR shared child + conjugal OR custody + conjugal). 2026 TFSA cumulative room ~$102,000; annual $7,000 (CPI indexed $500 increments). 20-year wealth differential modelled. 10 factual FAQs covering contingent beneficiary stacking, multiple TFSA accounts at different institutions, designation update process, child beneficiary contribution room limits.
- https://www.richify.ai/ca/tools/oas-clawback-calculator: OAS recovery tax (clawback) calculator under Income Tax Act §180.2. 2025-26 threshold $93,454 net income (indexed annually, was $90,997 in 2024-25). Recovery tax 15% of every dollar of net income above threshold. Full clawback at approximately $151,668 (under 75) or $157,488 (75+, with Bill C-12 10% boost since 1 July 2022). Recovery tax appears on T1 line 23500 in the tax year; Service Canada then reduces OAS payments for the July-June period following the tax year. RRSP contribution reduces net income $-for-$, preserving $0.15 of OAS per $1 contributed plus marginal income tax saving. Pension income splitting via Form T1032 (up to 50% of eligible pension income) is the second most-effective mitigation. CPP, RRIF withdrawals, employment income, capital gains all count toward net income; TFSA withdrawals do not. Couples calculated separately — no spousal income aggregation. 10 factual FAQs covering deferring OAS to 70 strategy, GIS interaction (mutually exclusive), 75+ enhanced OAS, spousal RRSP planning, pension splitting Form T1032 mechanics.
- https://www.richify.ai/ca/tools/cpp-enhancement-calculator: CPP Enhancement calculator covering both Phase 1 (2019-2023) and Phase 2 (CPP2, since 1 Jan 2024). 2025 ceilings: YMPE $71,300, YAMPE $81,200, Basic Exemption $3,500. Tier 1 employee + employer 5.95% each (max $4,034.10 each); self-employed 11.9% (max $8,068.20). Tier 2 (CPP2) employee + employer 4% each on YMPE-to-YAMPE band (max $396 each); self-employed 8% (max $792). Replacement rates: T1 phases from 25% (pre-2019) to 33.33% (fully enhanced ~2065); T2 adds 8.33% replacement on YMPE-to-YAMPE band. Tax treatment: base 4.95% portion is non-refundable credit line 30800/31000; 1% Phase-1 enhancement + all Phase-2 CPP2 is a deduction line 22215. Max retirement pension at 65: $1,433/mo (2025 transitional); ~$2,049/mo fully enhanced (in 2025 dollars). Early/late adjustment s.46 CPP Act: -0.6%/month before 65, +0.7%/month after 65, max +42% at 70. 10 factual FAQs covering self-employed contributions, CPP disability/survivor enhancement components, separate tracking of base vs enhanced contributions.
- https://www.richify.ai/ca/tools/what-if-scenarios: What-If Scenarios explorer for Canadians, hosted by Sam (Richify's What-If Strategist agent). Projects how a starting balance plus monthly contributions could grow over 3/5/10 years under four simplified scenarios: steady path (~5% nominal return), recession dip (~3% return, contributions eased ~20%), high inflation (~2.5% real return), and save-more (+20% contributions at 5%). Future-value formula with monthly compounding. Explains the Canadian recession context — C.D. Howe Institute Business Cycle Council formally dates recessions using GDP, employment, consumption, and industrial output, not the two-quarters-of-falling-GDP rule of thumb alone. Educational explorer only — projections are not predictions, forecasts, or financial advice. Sam is positioned as the agent that explores and explains, never directs. 8 factual FAQs covering what-if methodology, recession definitions (technical vs official Canadian), nominal vs real returns, Sam's role, Richify's advice posture, and Canada availability.
- https://www.richify.ai/ca/tools/fatfire-calculator: Fat FIRE Calculator Canada — FatFIRE number for high-earning Canadians targeting $100K-$200K+ annual retirement lifestyle. RRSP/TFSA optimization at high income, Div 293 impact, RRIF drawdown for large portfolios. FATFIRE vs FIRE comparison.
- https://www.richify.ai/ca/average-net-worth-by-age: Net worth by age Canada — Statistics Canada SFS 2023. Mean and median by age bracket (under 35 through 65+). Interactive percentile calculator.
- https://www.richify.ai/ca/average-net-worth-bc: BC net worth benchmarks by age — StatCan SFS 2023. Metro Vancouver vs rest of BC housing premium impact. Percentile calculator.
- https://www.richify.ai/ca/average-net-worth-ontario: Ontario net worth benchmarks by age — StatCan SFS 2023. GTA housing-heavy portfolio composition. Percentile calculator.
- https://www.richify.ai/ca/average-net-worth-alberta: Alberta net worth benchmarks by age — StatCan SFS 2023. Oil sector income variability, no provincial income tax (savings rate advantage). Percentile calculator.
- https://www.richify.ai/ca/mint-alternative: Best Mint alternatives for Canadian users — Wealthica, PocketSmith, and Richify. Canadian-specific features: TFSA/RRSP/FHSA support, CAD currency, CRA tax year alignment.
- https://www.richify.ai/ca/financial-wellbeing: Canadian Financial Wellbeing Hub — FCAC-aligned self-assessment covering TFSA/RRSP utilisation, emergency fund, debt-to-income ratio, CPP/OAS gap analysis. Retirement readiness score.
- https://www.richify.ai/ca/retirement-planning: Canadian Retirement Planning Hub — CPP/OAS bridge strategy, RRSP vs TFSA in retirement, RRIF drawdown schedule, OAS clawback threshold ($93,454), GIS eligibility. Retire-at-55/60/65/70 scenarios.
- https://www.richify.ai/ca/compare/richify-vs-wealthsimple: Richify vs Wealthsimple — AI planning + tracking vs CIRO-registered robo-advisor + discount broker. Use-case guide for existing Wealthsimple clients adding a planning layer.
- https://www.richify.ai/ca/compare/richify-vs-wealthica: Richify vs Wealthica — AI financial coaching vs aggregation platform for Canadian multi-custodian portfolios. Feature overlap and gap analysis.
- https://www.richify.ai/ca/compare/richify-vs-sharesight: Richify vs Sharesight — AI planning + education vs portfolio performance reporting and CGT reporting for Canadian investors.
- https://www.richify.ai/ca/glossary: Canadian financial glossary
- [Canada Landing](https://www.richify.ai/ca): Canada locale home — RRSP, TFSA, FHSA, TSX, property tracking in CAD. StatCan SFS benchmarks. hreflang en-CA.
- [Best Budgeting Apps Canada](https://www.richify.ai/ca/best-budgeting-apps-canada): Canadian budgeting app comparison — Wealthsimple, Wealthica, KOHO, Mint replacement options. TFSA/RRSP/FHSA support matrix.
- https://www.richify.ai/ca/data/average-tfsa-balance-by-age: Average TFSA balance by age — StatCan + CRA data. Median and mean, contribution-room utilization, percentile finder.
- https://www.richify.ai/ca/data/average-rrsp-balance-by-age: Average RRSP balance by age — StatCan SFS data. Contribution room utilization, percentile finder.
- https://www.richify.ai/ca/data/average-cpp-payment-by-age: Average CPP monthly payment by age — Service Canada data. Take-at-60 vs FRA vs 70 comparison.
- https://www.richify.ai/ca/data/average-net-worth-by-city: Average net worth by Canadian city — Vancouver, Toronto, Calgary, Montreal, Ottawa. StatCan + housing premium impact.
- https://www.richify.ai/ca/data/average-investable-assets-by-age: Average investable assets (ex-primary-residence) by age — StatCan SFS data. Retirement-readiness gauge.
- https://www.richify.ai/ca/guides: Canadian financial guides hub — TFSA, RRSP, FHSA, OAS, first home buyer.
- https://www.richify.ai/ca/guides/best-etfs-canada-2026: Best ETFs for Canadian investors 2026 — MER, distributions, currency hedging, VFV/XEQT/HXS/VGRO.
- https://www.richify.ai/ca/guides/first-home-buyer-canada-2026: First-home-buyer guide Canada 2026 — FHSA $40K, RRSP HBP $60K, First Home Savings Account combo, GST/HST rebate, land transfer tax by province.
- https://www.richify.ai/ca/guides/fhsa-canada-explained: FHSA explained — $8K/year, $40K lifetime, deductible like RRSP, tax-free like TFSA, 15-year lifespan, qualifying home rules.
- https://www.richify.ai/ca/guides/rrsp-vs-tfsa-canada: RRSP vs TFSA decision framework — tax bracket today vs retirement, marginal rate, RRSP HBP, TFSA flexibility, first-home use cases.
- https://www.richify.ai/ca/guides/maximizing-tfsa-growth: TFSA growth strategies — time horizon, asset allocation, US-listed ETF withholding tax, contribution-room tracking.
- https://www.richify.ai/ca/guides/old-age-security-canada: OAS guide — eligibility, take-at-65 vs delay-to-70 (+36%), $93,454 clawback threshold, GIS interaction.
- https://www.richify.ai/ca/guides/cra-tfsa-audit-rules: CRA TFSA audit triggers — frequency of trades, business income classification, day trader exposure, advance income tax ruling.

## What-If Scenario Calculators (richify.ai/what-if)
Interactive "what-if" projection tools powered by Sam, Richify's What-If Scenario Agent (richify.ai/team/sam). Each runs simple projection math on the user's own numbers for one life or money decision, side by side with their current path. Educational illustrations only — not financial advice, no product recommendations. Free to start on iOS and Android. Hub: https://www.richify.ai/what-if
Retirement:
- [What if I retired today?](https://www.richify.ai/what-if/retired-today): Whether your assets and income could support your lifestyle now.
- [What if I retired 5 years earlier?](https://www.richify.ai/what-if/retire-5-years-earlier): The trade-off between freedom and financial security.
- [What if I lived to 100?](https://www.richify.ai/what-if/lived-to-100): Whether your money could last longer than expected.
- [What if inflation stayed high?](https://www.richify.ai/what-if/inflation-stayed-high): How sustained rising costs could erode a retirement plan.
- [What if healthcare costs doubled?](https://www.richify.ai/what-if/healthcare-costs-doubled): The effect of unexpected medical expenses on retirement.
Investing & Portfolio:
- [What if the market dropped 20%?](https://www.richify.ai/what-if/market-dropped-20): Stress-test a portfolio against a major downturn and recovery time.
- [What if I invested an extra $500 a month?](https://www.richify.ai/what-if/invest-500-per-month): How consistent extra contributions accelerate growth.
- [What if I diversified my portfolio?](https://www.richify.ai/what-if/diversified-portfolio): How spreading risk may improve resilience.
- [What if one investment became 50% of my portfolio?](https://www.richify.ai/what-if/concentrated-position): Concentration risk and the range of outcomes.
- [What if I changed my asset allocation?](https://www.richify.ai/what-if/changed-asset-allocation): Compare different stock / bond / cash mixes side by side.
Real Estate:
- [What if I bought a home instead of renting?](https://www.richify.ai/what-if/bought-home-instead-of-renting): Buy-vs-rent wealth comparison — equity vs investing the difference.
- [What if mortgage rates fell by 1%?](https://www.richify.ai/what-if/mortgage-rates-fell-1-percent): How a refinance would change monthly payments.
- [What if property values increased 20%?](https://www.richify.ai/what-if/property-values-increased-20): The impact on net worth.
- [What if I paid off my mortgage early?](https://www.richify.ai/what-if/paid-off-mortgage-early): Interest savings and future flexibility.
Life Changes:
- [What if I had a baby?](https://www.richify.ai/what-if/had-a-baby): The long-term financial impact of growing a family.
- [What if I changed careers?](https://www.richify.ai/what-if/changed-careers): How an income change affects future goals.
- [What if I lost my income for 6 months?](https://www.richify.ai/what-if/lost-income-6-months): An emergency-runway preparedness check.
- [What if I moved to a different city?](https://www.richify.ai/what-if/moved-to-different-city): Housing and cost-of-living comparison.
- [What if I received a $100,000 windfall?](https://www.richify.ai/what-if/received-100k-windfall): The invest-vs-pay-down-debt trade-off.
Debt & Financial Health:
- [What if I became debt-free?](https://www.richify.ai/what-if/became-debt-free): How much monthly cash flow you could free up.
- [What if I paid an extra $200 a month toward debt?](https://www.richify.ai/what-if/extra-200-month-toward-debt): How much faster you reach debt-free.
- [What if I built a 6-month emergency fund?](https://www.richify.ai/what-if/built-emergency-fund): How stronger protection changes resilience.
- [What if I reduced my spending by 10%?](https://www.richify.ai/what-if/reduced-spending-10-percent): How small spending cuts compound over time.
Net Worth & Wealth Building:
- [What if my net worth grew 10% a year?](https://www.richify.ai/what-if/net-worth-grew-10-percent): A projected future financial position from steady growth.
- [What if I reached financial independence?](https://www.richify.ai/what-if/reached-financial-independence): When your assets could cover your lifestyle.
- [What if I saved 20% of my income?](https://www.richify.ai/what-if/saved-20-percent-income): The long-term impact of a higher savings rate.
- [What if I invested every tax refund?](https://www.richify.ai/what-if/invested-every-tax-refund): How occasional one-off investing compounds.

## US Additional Tools
- https://www.richify.ai/us/tools/401k-calculator: 401(k) growth calculator
- https://www.richify.ai/us/tools/coast-fire-calculator: Coast FIRE calculator
- https://www.richify.ai/us/tools/hsa-calculator: HSA retirement projection
- https://www.richify.ai/us/tools/roth-vs-traditional: Roth vs Traditional comparison
- https://www.richify.ai/us/tools/backdoor-roth-calculator: Backdoor Roth IRA calculator. 2026 IRS Roth MAGI phase-outs: $150,000-$165,000 single/HoH, $236,000-$246,000 married filing jointly (Rev. Proc. inflation-adjusted from 2025 base). IRA contribution cap 2026: $7,000 ($8,000 if age 50+). Models the §408(d)(2) pro-rata 'cream-in-coffee' rule that aggregates all Traditional + SEP + SIMPLE IRA balances when calculating the taxable portion of any conversion (401(k), 403(b), 457(b), Solo 401(k) NOT counted — workaround: roll pre-tax IRA into 401(k) before backdoor). Computes 30-year tax-free Roth growth vs taxable brokerage with 20% LTCG drag. Strategy remains legal in 2026 (Build Back Better Act 2021 proposed elimination but did not pass; TIPRA 2005 repealed the income cap on Roth conversions). Form 8606 annual filing requirement to track non-deductible basis. Two 5-year rules: per-conversion clock for penalty-free principal pre-59½; separate clock from first Roth contribution for tax-free earnings. 10 factual FAQs covering Mega Backdoor Roth differences, contribution deadline (April 15 of year after), aggregation rules, MAGI definition.
- https://www.richify.ai/us/tools/roth-conversion-ladder: Roth Conversion Ladder calculator — FIRE-community strategy for early retirees to access Traditional IRA/401(k) before age 59½ without the 10% penalty. Multi-year systematic conversions at low brackets (typically 12% sweet spot when no W-2 income). Each conversion has its own 5-year clock under Treas. Reg. §1.408A-6 for penalty-free withdrawal of converted principal. 2026 single sweet spot: $48,475 top of 12% bracket + $15,750 standard deduction = $64,225 conversion at ~10% blended effective rate. 2026 MFJ sweet spot: $96,950 + $31,500 = $128,450 at the same blended rate. Schedules 10-year ladder with marginal/effective rate per year and 'unlocks at' age. State tax (0-13.3%) and IRMAA Medicare surcharges (2026 thresholds $106k single / $212k MFJ Tier 1) apply on top. SECURE Act 2.0 mandatory Roth catch-up for $145k+ earners starting 2026. 10 factual FAQs covering SEPP/72(t) comparison, withdrawal ordering rules (Treas. Reg. §1.408A), state tax planning, ACA cliff, IRMAA two-year lookback.
- https://www.richify.ai/us/tools/niit-calculator: Net Investment Income Tax (NIIT) calculator. 3.8% federal surtax under IRC §1411 on the LESSER of (a) net investment income or (b) excess of MAGI over the threshold. 2026 thresholds NOT indexed since 2013 enactment: $200,000 single/HoH, $250,000 MFJ, $125,000 MFS. NII includes interest, dividends, capital gains, passive rental/royalty income, non-qualified annuity payouts. Excluded: wages, self-employment income, retirement account distributions (401(k), IRA, Roth), Social Security, municipal bond interest (§103-exempt), active business income (§469 material participation). Reported on IRS Form 8960. Reduction strategies modelled: tax-loss harvesting, muni bond substitution, retirement contributions to lower MAGI, timing capital gains in below-threshold years. 10 factual FAQs covering §121 primary home exclusion interaction, S-corp/partnership treatment, REIT/unit-trust distributions, foreign withholding tax credit, threshold inflation lag.
- https://www.richify.ai/us/tools/529-plan-calculator: 529 Plan College Savings calculator under IRC §529 Qualified Tuition Program. Federal tax-free growth + tax-free qualified withdrawals (no federal deduction; state deductions vary widely — NY $5k/$10k, PA $19k/$38k, IL $10k/$20k, CA/FL/TX no state tax). Qualified expenses: tuition, fees, room/board (half-time+), books, computers, K-12 tuition $10k/yr per beneficiary (TCJA 2017), apprenticeships, $10k lifetime student loan repayment (SECURE Act 2019). Superfund election IRC §529(c)(2)(B): $95,000 single / $190,000 MFJ 5-year averaging in one year. SECURE Act 2.0 (2024): up to $35,000 lifetime Roth IRA rollover from 529 if account 15+ years old, 5+ years for rolled funds, annual capped at Roth IRA limit. Non-qualified withdrawal: earnings taxed + 10% penalty (scholarship/service academy/disability exception waives penalty). Project balance vs college costs ($28k in-state public / $46k out-of-state / $60k private) inflated 5%/yr. 10 factual FAQs covering FAFSA treatment (parent vs student vs grandparent), beneficiary change rules (family members per §529(e)(2)), Coverdell ESA + UGMA comparison.
- https://www.richify.ai/us/tools/capital-gains-harvest-calculator: Capital Gains Harvesting calculator for the 0% LTCG bracket fill strategy. 2026 IRS brackets (Rev. Proc. inflation-adjusted): 0% LTCG to $48,475 single / $96,950 MFJ / $64,750 HoH taxable income. Plus standard deduction $15,750 single / $31,500 MFJ / $23,625 HoH — extending gross-income 0% LTCG ceiling. 15% LTCG to $533,400 single / $600,050 MFJ; 20% above. Step up cost basis tax-free by selling appreciated holdings and immediately repurchasing — IRC §1091 wash sale rule does NOT apply to gains (only losses). NIIT 3.8% surtax applies if MAGI exceeds $200k single / $250k MFJ (threshold static since 2013). Specific identification per Treas. Reg. §1.1012-1(c) for tax-lot selection. Strategy is FIRE community staple for retiree gain realization in low-income years. 10 factual FAQs covering §1014 step-up at death, retirement account ineligibility, December timing, mutual fund distribution stack, state tax variation.
- https://www.richify.ai/us/tools/rmd-calculator: Required Minimum Distribution (RMD) calculator. SECURE Act 2.0 RMD age 73 (born 1951-1959) or 75 (born 1960+). Formula: RMD = prior year December 31 balance ÷ IRS Uniform Lifetime Table III factor. 2022-updated factors: age 73=26.5 (3.77%), 80=20.2 (4.95%), 90=12.2 (8.20%), 100=6.4 (15.63%). Applies to Traditional IRA/SEP/SIMPLE/401(k)/403(b)/457(b). Roth IRA never had RMDs; Roth 401(k) RMDs eliminated 1 Jan 2024 by SECURE 2.0. Penalty for missed RMD: 25% (reduced from 50%) or 10% if corrected within 2-year window per Form 5329. 25-year balance projection. 10 factual FAQs covering Qualified Charitable Distribution (QCD) $108k 2026, first-RMD-by-April-1 strategy and double-RMD trap, IRA aggregation vs 401(k) separate-account rule, Joint Life Table for younger-spouse beneficiary.
- https://www.richify.ai/us/tools/mega-backdoor-roth-calculator: Mega Backdoor Roth calculator. After-tax 401(k) contributions up to the §415(c) total annual additions cap ($70,500 under 50, $78,000 50+, $82,500 SECURE 2.0 super catch-up 60-63 for 2026), then in-plan Roth conversion OR in-service distribution to a Roth IRA (Notice 2014-54). Requires plan to permit both after-tax contributions beyond $23,500 elective deferral AND Roth conversion mechanism — only ~40-50% of 401(k) plans support this. Capacity calculation: §415(c) cap − §402(g) elective deferral − employer match. Typical bucket $30,000-$47,000/year for high earners. Project 30-year tax-free growth vs taxable brokerage with 20% LTCG drag. Stack with regular Backdoor Roth IRA ($7k/$8k cap) for $42-54k total Roth dollars per year. Strategy survived Build Back Better Act 2021 elimination attempt. 10 factual FAQs covering plan eligibility checks (SPD review), pro-rata earnings on after-tax bucket, regular vs mega differences, Solo 401(k) mega backdoor support (Schwab, custom providers), employer match capacity impact, same-pay-cycle conversion timing.
- https://www.richify.ai/us/glossary: US financial glossary
- https://www.richify.ai/us/data/average-net-worth-by-age: US average net worth by age — Federal Reserve Survey of Consumer Finances 2022. Mean and median by age bracket (under 35 through 75+). Interactive percentile calculator. Race, education, and housing-status breakdowns. Dataset schema for AI citation.
- https://www.richify.ai/us/tools/lean-fire-calculator: Lean FIRE Calculator — minimal-lifestyle financial independence. 25x annual expenses using $25,000-$40,000 frugal budget. Lean vs Regular vs Fat FIRE comparison. Savings rate to Lean FIRE age.
- https://www.richify.ai/us/tools/barista-fire-calculator: Barista FIRE Calculator — partial retirement with part-time income. Reduces required nest egg vs full FIRE. Employer health insurance bridge calculation. Barista FIRE vs Coast FIRE comparison.

## CN Diaspora (中文)
- https://www.richify.ai/cn/au/super: Australian super guide (中文)
- https://www.richify.ai/cn/ca/tfsa: Canadian TFSA guide (中文)
- https://www.richify.ai/cn/us/401k: US 401(k) guide (中文)
- https://www.richify.ai/cn/new-arrival/au: New to Australia guide (中文)
- https://www.richify.ai/cn/new-arrival/ca: New to Canada guide (中文)
- https://www.richify.ai/cn/new-arrival/us: New to USA guide (中文)
- https://www.richify.ai/cn/cross-border/remittance: Remittance calculator (中文)
- https://www.richify.ai/cn/tax/dual-residency: Dual tax residency (中文)

## ES/LATAM Additional
- https://www.richify.ai/es/ar/calculadora-jubilacion: Simulador de Jubilación Argentina 2026 — calculadora haber ANSES. Fórmula oficial 1,5% × años de aportes × salario. Moratoria, monotributo, RIPTE, brecha vs canasta básica. HowTo + WebApplication schema. Keyword targets: "simulador jubilación" (220 GSC impressions), "calculadora jubilación argentina".
- https://www.richify.ai/es/mx/calculadora-afore: Mexican AFORE calculator
- https://www.richify.ai/es/dolares: Argentine dollar tracker
- https://www.richify.ai/es/inflacion: Inflation calculator
- https://www.richify.ai/es/invertir: LATAM investment guide

## Mexico Hub /es/mx (es-MX · Mexican Spanish)
Dedicated México landing with localized content. Hero, social proof, calculator grid, FAQ, FAQPage + Organization JSON-LD, lang=es-MX. Also accessible via /mx → /es/mx redirect.
- https://www.richify.ai/es/mx: Mexico hub — App de Finanzas Personales con IA. AFORE, CETES, ISR, FIBRAS, dólares en una app. NavBar region="mx", MXHeroSection + MXSocialProofBar mirroring homepage design.
- https://www.richify.ai/es/mx/calculadora-cetes: CETES rendimiento Cetesdirecto with 28/91/182/364 day plazos, ISR 0.50% retención, inflación INEGI adjustment, real return %, plazo comparison table.
- https://www.richify.ai/es/mx/calculadora-isr: ISR mensual + anual using Tarifa LISR Art. 96 (8 progressive brackets), subsidio para el empleo Art. 98, IMSS empleado, sueldo neto, comparison table for $10k-$200k MXN brackets.
- https://www.richify.ai/es/mx/glossary: Mexican financial glossary in es-MX, ~22 native terms across 4 clusters: Inversión y Mercados (CETES, UDI, UDIBONOS, BONDES, BMV, S&P/BMV IPC, FIBRA), Pensiones y Vivienda (AFORE, SIEFORE, INFONAVIT, FOVISSSTE), Impuestos y Hacienda (ISR Art. 96, IVA, RFC, SAT, UMA, PTU), Reguladores y Seguridad Social (Banxico, IMSS, ISSSTE, CNBV, CONDUSEF). DefinedTermSet schema with per-term URLs.

## Argentina Hub /ar (es-AR · Argentine Spanish)
Dedicated Argentina landing with locale-specific content. Hero, social proof, calculator grid, FAQ, FAQPage + Organization JSON-LD, lang=es-AR. NavBar region="ar".
- https://www.richify.ai/ar: Argentina hub — App de Finanzas Personales con IA. Dólar blue, MEP, CCL, plazo fijo UVA, inflación INDEC, ANSES, AFIP. ARHeroSection + ARSocialProofBar mirroring homepage design.
- https://www.richify.ai/ar/dolar-blue: Dollar comparator — oficial vs blue vs MEP vs CCL vs tarjeta. Brecha cambiaria, USD obtenido por monto, regulatory status of each (CNV-regulated MEP/CCL vs informal blue).
- https://www.richify.ai/ar/plazo-fijo-uva: Plazo Fijo UVA (CER + tasa real fija) vs tradicional vs dólar MEP scenario comparator. Real return after INDEC inflation. 90-day minimum precancelable disclosed.
- https://www.richify.ai/ar/calculadora-monotributo: Argentine Monotributo calculator — simplified tax regime for self-employed and small businesses. 2026 categories (A-K), revenue limits, cuota mensual, ARBA provincial surcharge, change-of-category rules.
- https://www.richify.ai/ar/glossary: Argentine financial glossary in es-AR — 25+ terms covering ANSES, AFIP, RIPTE, Monotributo, dólar blue/MEP/CCL, CEDEAR, plazo fijo UVA, inflación INDEC, jubilación, moratoria.

## Türkiye Hub /tr (tr-TR · Turkish)
Dedicated Türkiye landing with locale-specific content. NavBar (region="tr") + TRHeroSection + TRSocialProofBar mirroring homepage design.
- https://www.richify.ai/tr: Türkiye hub — Yapay Zeka Destekli Kişisel Finans Uygulaması. TL/Dolar, enflasyon, altın, BIST 100, SGK emeklilik tek uygulamada. lang=tr-TR. 6 factual FAQ entries (SGK emeklilik 7,200 prim günü, TEFAS, BIST 100, finansal araçlar).
- https://www.richify.ai/tr/dolar-tl-hesaplama: TL'nin USD karşısındaki değer değişimi hesaplayıcısı. Eski/yeni kur input ile maaş USD bazında değişim. Factual FAQs — değer kaybı formülü, mevduat getirisi, has altın özellikleri, TEFAS, vergi yapısı.
- https://www.richify.ai/tr/enflasyon-hesaplama: TÜİK enflasyon ile reel maaş erimesi. Zam yeterli mi formülü, yıl-yıl reel değer tablosu, finansal araçların 5-yıl getiri verileri (altın ~%700, USD mevduat ~%650, BIST 100 ~%540, TL mevduat ~%280, TÜFE ~%540).
- https://www.richify.ai/tr/bilesik-faiz-hesaplama: Bileşik faiz hesaplayıcısı TL bazında — anapara, aylık katkı, yıllık faiz oranı, vade ile final tutar, kazanılan faiz, 72 kuralı, yıl-yıl büyüme grafiği. 6 factual FAQ (formül, 72 kuralı, erken başlama etkisi, gerçekçi faiz, birleşim sıklığı).
- https://www.richify.ai/tr/net-servet-hesaplama: Net servet hesaplayıcısı — TL ve döviz mevduat, has altın, hisse, gayrimenkul aktifleri ile konut/taşıt/ihtiyaç kredisi pasif farkı. Borç oranı, ay sayısı karşılığı. 6 factual FAQ.
- https://www.richify.ai/tr/acil-durum-fonu: Acil durum fonu hesaplayıcısı — aylık temel gider × hedef ay (3-12), eksik tutar, hedefe ulaşma süresi, ilerleme yüzdesi. Türkiye için pratik aralık 6-9 ay. 6 factual FAQ.
- https://www.richify.ai/tr/firsat-maliyeti: Fırsat maliyeti hesaplayıcısı — bugünkü harcamanın gelecek değeri bileşik faiz ile. Yıl-yıl büyüme grafiği. Türkiye yüksek nominal faiz ortamı için reel ve nominal yaklaşım. 6 factual FAQ.
- https://www.richify.ai/tr/tools: Türkçe finansal hesap makineleri hub — TL/dolar, enflasyon, altın, bileşik faiz, net servet, acil durum fonu, fırsat maliyeti. Schema.org ItemList.
- https://www.richify.ai/tr/altin-hesaplama: Altın hesaplayıcı — gram altın, çeyrek, yarım, tam altın, cumhuriyet altın fiyatları. TL/gram dönüşüm, yıllık getiri, enflasyon karşılaştırması.
- https://www.richify.ai/tr/glossary: Türkçe finansal terimler sözlüğü, ~25 terim 5 kümede: Para ve Döviz, Yatırım Araçları (BIST 100, TEFAS, KKM, has altın, BES, eurobond, dolar mevduat, DİBS, hazine bonosu, repo, vadeli mevduat, hisse senedi), Faiz ve Enflasyon (TÜFE, reel faiz, bileşik faiz, TCMB politika faizi), Vergi ve Emeklilik (SGK, stopaj), Piyasalar ve Düzenleyiciler (Borsa İstanbul, SPK, KAP, MKK, YTM, halka arz, BIST 30). DefinedTermSet schema, per-term URLs.

## Indonesia Hub /id (id-ID · Bahasa Indonesia)
Indonesian-language landing with locale-specific tools. lang=id-ID.
- https://www.richify.ai/id: Indonesia hub — Aplikasi Keuangan Pribadi AI. Reksa Dana, ORI, SBN, properti, emas, KPR. OJK-compliant disclaimer. 6 FAQ.
- https://www.richify.ai/id/tools/kpr-calculator: KPR (Kredit Pemilikan Rumah) calculator — DP, jangka waktu, suku bunga BI, BPHTB, biaya notaris.
- https://www.richify.ai/id/tools/pajak-penghasilan-calculator: PPh 21 calculator with UU HPP progressive tariff (5%/15%/25%/30%/35%), PTKP table TK/0–K/3, biaya jabatan, BPJS Ketenagakerjaan + Kesehatan toggles. Comparison table Rp 5M-Rp 100M.
- https://www.richify.ai/id/tools/reksa-dana-calculator: Reksa Dana imbal hasil calculator across 4 asset classes (RDPU, RDPT, RDC, RDS). Management fee + inflation modeling, year-by-year accumulation, PP 91/2021 PPh final 10% on bond income noted.
- https://www.richify.ai/id/tools/net-worth-idr: IDR net worth tracker.
- https://www.richify.ai/id/glossary: Indonesian financial glossary in Bahasa Indonesia (~27 terms, 4 clusters: Dasar Keuangan, Investasi, Properti & Pinjaman, Pajak & Pensiun) with DefinedTermSet schema and per-term pages at /id/glossary/[slug].
- https://www.richify.ai/id/compare/richify-vs-bibit: Comparison vs Indonesia's biggest robo-advisor Reksa Dana app (OJK-registered APERD). Functional layer comparison.

## Japan Hub /jp (ja-JP · Japanese)
Japanese-language landing with locale-specific tools. lang=ja-JP. Privacy-first positioning — 銀行連携なし (no bank-account linking, no stored credentials).
- https://www.richify.ai/jp: Japan hub — AI家計簿・資産管理アプリ. 現金・株・投資信託・NISA・iDeCo・不動産・暗号資産を一つに集約。AI CFOの「Felix」と専門エージェント。銀行連携なし。
- https://www.richify.ai/jp/tools/currency-converter: 為替計算機 (currency converter) — JPY-base, 12 currencies (USD/EUR/CNY/KRW etc.) at mid (仲値) reference rates, clearly labelled NOT real-time. TTM/TTS/TTB explained. Also captures Chinese-in-Japan 汇率换算 queries. WebApplication+Breadcrumb+FAQ+HowTo schema.
- https://www.richify.ai/jp/tools/jutaku-loan-calculator: 住宅ローン計算機 (mortgage calculator) — 元利均等返済 monthly payment, total interest, plus a 返済額早見表 (借入額 2000万–5000万円 × 返済期間 20–35年 @ 1.5%). Post-BOJ-rate-hike (2024 マイナス金利解除) context.
- https://www.richify.ai/jp/tools/nisa-simulator: 新NISA積立シミュレーション — monthly-accumulation future value + 資産額早見表 (月額 1万–10万円 × 10–30年 @ 想定利回り5%). 新NISA limits noted (つみたて投資枠120万/年, 成長投資枠240万/年, 生涯1800万円). Returns labelled as illustration, not guaranteed.
- https://www.richify.ai/jp/tools/ideco-simulator: iDeCoシミュレーション — asset future value + 節税額 driven by a user-selected 所得税率 (年間掛金 ×(所得税率+住民税10%)) + 資産額早見表. 掛金上限 by 加入区分 (会社員2.3万/公務員2.0万/自営業6.8万) with "verify latest" caveat. 60歳まで引き出し不可.
- https://www.richify.ai/jp/tools/take-home-pay-calculator: 年収手取り計算機 (take-home pay) — 年収 minus 社会保険料(健康保険/厚生年金/雇用保険/介護保険) + 所得税(復興特別含む) + 住民税 → 手取り, with 手取り早見表 (年収300万–1000万). 会社員・協会けんぽ・基礎控除のみの概算 (目安), validated vs the 年収500万≈手取り約390万 benchmark. Targets 年収500万 手取り / 年収700万 手取り.
- https://www.richify.ai/jp/tools/furusato-nozei-calculator: ふるさと納税 上限額計算機 — 控除上限額の目安 by 年収×家族構成 (独身・共働き/夫婦/夫婦+子). Formula: 住民税所得割×20% ÷ (90%−所得税率×1.021)+2,000円. 独身column validated vs 総務省目安表 (年収500万≈約6.1万円); advises donating slightly under + verifying. Targets ふるさと納税 上限 年収◯◯万.
- https://www.richify.ai/jp/tools/taishokukin-tax-calculator: 退職金 税金計算機 — 退職金にかかる所得税(復興含む)+住民税と手取りを計算. 退職所得控除 (勤続20年以下40万×年数, 20年超800万+70万×(年数−20)) → (退職金−控除)×1/2 → 分離課税. 税金早見表 (退職金1000万–3000万 × 勤続20–38年). 勤続5年超の一般退職前提. Targets 退職金 税金 計算 / 退職金 手取り.
- https://www.richify.ai/jp/glossary: Japanese financial glossary (用語集) — ~18 terms in 3 clusters (投資の基礎 / NISA・iDeCo・口座 / 市場・税金・年金): 新NISA, つみたて投資枠, 成長投資枠, iDeCo, 投資信託, インデックスファンド, ETF, 信託報酬, 複利, ドルコスト平均法, 特定口座, 日経平均株価, TOPIX, 確定申告, 所得税, 住民税, 厚生年金, ふるさと納税, 退職所得控除. DefinedTermSet schema, per-term pages at /jp/glossary/[slug] with DefinedTerm+Breadcrumb+FAQ schema. Targets 新NISAとは / iDeCoとは / 投資信託とは.
- https://www.richify.ai/jp/compare/richify-vs-moneyforward: Richify vs マネーフォワード ME — 機能比較. 連携型アグリゲーター(MF) vs 銀行連携なし・AI CFO・マルチアセット(Richify). FAQPage schema.
- https://www.richify.ai/jp/compare/richify-vs-zaim: Richify vs Zaim — レシート撮影の家計簿(Zaim) vs 投資・資産形成のAI一元管理(Richify).
- https://www.richify.ai/jp/compare/richify-vs-moneytree: Richify vs Moneytree — 口座集約・プライバシー重視だが連携前提(Moneytree) vs 連携なし(Richify). 銀行連携なし/privacy wedge.
- https://www.richify.ai/jp/data/average-savings-by-age: 年齢別の貯蓄目安 and 老後2000万問題 explainer — cites the real 2019 金融庁 (FSA) market-WG report (high-income retired-couple model, ~月5万円 shortfall). Income-multiple target framework, clearly labelled as planning targets NOT official averages. FAQPage schema, links to NISA/iDeCo simulators.

## Multi-Market Competitor Comparisons (extends Comparison Pages section above)
- https://www.richify.ai/au/compare/richify-vs-pocketbook: Pocketbook (shut down July 2021) refugee-search comparison. Lists current AU PFM segment alternatives.
- https://www.richify.ai/au/compare/richify-vs-raiz: Comparison vs AFSL-licensed micro-investing app (round-ups into ETF portfolios, A$4.50/month Standard fee, A$3.50/month Sapphire Super).
- https://www.richify.ai/uk/compare/richify-vs-emma: Comparison vs FCA-regulated AISP focused on Open Banking subscription detection (Pro £9.99/mo, Plus £14.99/mo).
- https://www.richify.ai/uk/compare/richify-vs-plum: Comparison vs auto-saving + Stocks & Shares ISA app (Pro £2.99/mo, Premium £9.99/mo, Ultimate £14.99/mo).
- https://www.richify.ai/uk/compare/richify-vs-monzo: Comparison vs FCA-regulated UK challenger bank (full current account, Pots, Round-Ups, Investments via BlackRock).
- https://www.richify.ai/br/compare/richify-vs-guiabolso: Guiabolso (shut down March 2023) refugee-search comparison. The "alternativa ao Guiabolso" page targeting refugee searches.
- https://www.richify.ai/br/compare/richify-vs-mobills: Comparison vs Brazil's biggest active PFM app (Open Banking, Mobills Plus R$119/year).
- https://www.richify.ai/br/compare/richify-vs-organizze: Comparison vs Brazilian PFM with multi-user budget for couples (Premium R$14.90-16.90/month).
- https://www.richify.ai/br/cdb-vs-tesouro-direto: CDB vs Tesouro Direto comparison guide — risk, liquidity, FGC protection (R$250K), IR regressivo (22.5%→15%), LCI/LCA tax-exempt option. Net return comparison table across holding periods.

## India Additional
- https://www.richify.ai/in/glossary: Indian financial glossary (30+ terms)
- https://www.richify.ai/in/net-worth-tracker: Indian Net Worth Tracker — mutual funds, EPF, NPS, PPF, gold, property, and cash in ₹. RBI wealth benchmarks. Competitor comparison: Richify vs ET Money vs INDmoney vs Groww. FAQPage JSON-LD.
- https://www.richify.ai/in/portfolio-tracker: Cross-custodian Indian portfolio tracker — Zerodha, Groww, NSE/BSE demat, NPS, EPF in one INR view. Gap: each broker only shows their own accounts; no unified cross-custodian view.
- https://www.richify.ai/in/wealth-tracker: All-in-one Indian wealth tracker — mutual funds, stocks, EPF, PPF, NPS, gold, property in INR. Answers "best free wealth tracker app India 2026." FAQPage JSON-LD.

## Global Financial Glossary (richify.ai/glossary)
40 essential financial terms explained in plain English with DefinedTerm schema markup.
- https://www.richify.ai/glossary: Glossary index (all 40 terms A-Z by cluster)
- Clusters: Financial Foundations (10), Investing & Wealth Building (10), Retirement & FIRE (10), Crypto & Alternative Assets (6), Debt & Budgeting (4)
- Key terms: Net Worth, Compound Interest, FIRE, ETF, Index Fund, Bitcoin, 4% Rule, Dollar-Cost Averaging, Safe Withdrawal Rate, Coast FIRE
- Each term page: https://www.richify.ai/glossary/[term-slug] (e.g. /glossary/compound-interest)

## Localized Glossaries (5 markets × 40 terms = 200 entries)
Each market glossary contains 40 terms rewritten with local currency, regulations, products, and cultural context (60-70% unique content vs global).
- https://www.richify.ai/au/glossary: Australian glossary (AUD, ATO, super, ASX ETFs, franking credits)
- https://www.richify.ai/ca/glossary: Canadian glossary (CAD, CRA, TFSA/RRSP, TSX ETFs, CDIC)
- https://www.richify.ai/in/glossary: Indian glossary, ~62 terms across 7 clusters including India-specific clusters: Indian Tax & Schemes (Section 80C, 80D, EPF, EPS, NPS, PPF, ELSS, NSC, Sukanya Samriddhi, LTCG, STCG, Form 16, old vs new tax regime) and Indian Markets & Banking (Sensex, Nifty 50, BSE/NSE, SEBI, AMFI, SIP, Demat, NRE/NRO/FCNR, RBI repo rate). FY 2025-26 indicative figures.
- https://www.richify.ai/es/glossary: LATAM Spanish glossary (MXN/ARS, SAT/AFIP, AFORE, CEDEARs, CETES)
- https://www.richify.ai/br/glossary: Brazilian Portuguese glossary, ~60 terms across 6 clusters including Brazil-specific market cluster (Selic, IPCA, Tesouro Direto/Selic/IPCA+/Prefixado, CDB, LCI/LCA, FGC, IBOVESPA, B3, CVM, FII, IR Regressivo, Come-cotas, IOF, INSS, PGBL/VGBL, DARF) plus universal fundamentals, FIRE, cripto.
- Term URL pattern: https://www.richify.ai/{market}/glossary/[term-slug]
- ES/PT use localized slugs (e.g. /es/glossary/interes-compuesto, /br/glossary/juros-compostos)

## Multi-Locale Financial Calculators (6 tools × 7 markets = 42 pages)
Universal financial calculators localized for 7 markets. Each page includes interactive calculator, worked examples, 10+ FAQs with schema markup, and outbound citations to government authority sites.

### Tools available in each market:
1. Mortgage Calculator — monthly payments, amortization schedule, P&I breakdown
2. Refinance Calculator — break-even analysis, monthly savings, total interest saved
3. Compound Interest Calculator — growth projections, Rule of 72, year-by-year table
4. Currency Converter — 13 major currencies, mid-market rates, provider comparison
5. Net Worth Calculator — asset/liability tracking, age benchmarks, composition analysis
6. FIRE Calculator — financial independence number, Lean/Regular/Fat FIRE, year-by-year projection

### URLs by market:
- AU: https://www.richify.ai/au/tools/mortgage-calculator, https://www.richify.ai/au/tools/refinance-calculator, https://www.richify.ai/au/tools/compound-interest-calculator, https://www.richify.ai/au/tools/currency-converter, https://www.richify.ai/au/tools/net-worth-calculator, https://www.richify.ai/au/tools/fire-calculator
- US: https://www.richify.ai/us/tools/mortgage-calculator, https://www.richify.ai/us/tools/refinance-calculator, https://www.richify.ai/us/tools/compound-interest-calculator, https://www.richify.ai/us/tools/currency-converter, https://www.richify.ai/us/tools/net-worth-calculator, https://www.richify.ai/us/tools/fire-calculator
- CA: https://www.richify.ai/ca/tools/mortgage-calculator, https://www.richify.ai/ca/tools/refinance-calculator, https://www.richify.ai/ca/tools/compound-interest-calculator, https://www.richify.ai/ca/tools/currency-converter, https://www.richify.ai/ca/tools/net-worth-calculator, https://www.richify.ai/ca/tools/fire-calculator
- UK: https://www.richify.ai/uk/tools/mortgage-calculator, https://www.richify.ai/uk/tools/refinance-calculator, https://www.richify.ai/uk/tools/compound-interest-calculator, https://www.richify.ai/uk/tools/currency-converter, https://www.richify.ai/uk/tools/net-worth-calculator, https://www.richify.ai/uk/tools/fire-calculator, https://www.richify.ai/uk/tools/lisa-calculator (Lifetime ISA: £4k/year + 25% government bonus = £1k/year, age 18-39 to open, projects to age 60 retirement or first-home £450k cap), https://www.richify.ai/uk/tools/cgt-calculator (UK CGT post-Budget 2024: 18% basic / 24% higher uniform on property and non-property, £3,000 Annual Exempt Amount, basic vs higher rate band split, BADR 14% on £1m lifetime gains), https://www.richify.ai/uk/tools/pension-annual-allowance-calculator (UK pension AA £60k standard, tapered to £10k floor for adjusted income £260k-£360k, Money Purchase AA £10k after flexible access, 3-year carry-forward, post-LTA-abolition with LSA £268,275 / LSDBA £1,073,100, tax relief at marginal rate including ~60% effective in £100k-£125,140 PA-taper band), https://www.richify.ai/uk/tools/pension-tax-relief-comparator (side-by-side comparison of Relief at Source / Net Pay / Salary Sacrifice with full income tax + employee NIC 8%/2% + employer NIC 13.8% implications. Identifies cheapest mechanism per income/contribution combo. Models employer NIC sharing % back to pension. PA taper, basic/higher/additional rate bands, 60% effective relief band detection. Salary sacrifice impacts on mortgage, SMP, NMW floor noted.), https://www.richify.ai/uk/tools/inheritance-tax-calculator (Full UK IHT calculation: NRB £325k + RNRB £175k with £2M taper threshold, spouse exemption 100% UK-domiciled, charity 36% reduced rate when ≥10% of net estate, 7-year gift taper relief 40/32/24/16/8/0%, transferable NRB+RNRB from deceased spouse, business property relief noted, pension IHT changes from April 2027 documented. Frozen thresholds until April 2030 per Autumn Statement 2022 + Spring 2024.)
- ES: https://www.richify.ai/es/tools/mortgage-calculator, https://www.richify.ai/es/tools/refinance-calculator, https://www.richify.ai/es/tools/compound-interest-calculator, https://www.richify.ai/es/tools/currency-converter, https://www.richify.ai/es/tools/net-worth-calculator, https://www.richify.ai/es/tools/fire-calculator
- BR: https://www.richify.ai/br/tools/mortgage-calculator, https://www.richify.ai/br/tools/refinance-calculator, https://www.richify.ai/br/tools/compound-interest-calculator, https://www.richify.ai/br/tools/currency-converter, https://www.richify.ai/br/tools/net-worth-calculator, https://www.richify.ai/br/tools/fire-calculator
- CN: https://www.richify.ai/cn/tools/mortgage-calculator, https://www.richify.ai/cn/tools/refinance-calculator, https://www.richify.ai/cn/tools/compound-interest-calculator, https://www.richify.ai/cn/tools/currency-converter, https://www.richify.ai/cn/tools/net-worth-calculator, https://www.richify.ai/cn/tools/fire-calculator

## AI Personal Finance Comparison (AISEO)
- https://www.richify.ai/best-ai-personal-finance-app: Comprehensive comparison of the best AI personal finance apps in 2026. Feature matrix comparing Richify, Monarch Money, YNAB, Empower, Copilot Money, and Credit Karma. Covers budgeting, investing, tax optimization, freelancer tools, student loans, retirement planning, cash flow forecasting, and security features. 15+ FAQs answering common AI personal finance questions.
- https://www.richify.ai/compare/richify-vs-competitors: Direct comparison of Richify vs Monarch Money, YNAB, Empower, and Copilot Money. Pricing table, feature-by-feature analysis, and use-case recommendations for US market, small business owners, and tax-aware users.

## Real Estate Glossary /learn (30 terms · DefinedTerm schema)
Real estate investing glossary covering metrics, financing, tax strategies, and operations. Each entry has DefinedTerm schema markup, plain-English explanations, worked examples, and cross-links between related terms.
- https://www.richify.ai/learn: Glossary index — A-Z navigation, category filters (Metrics & Returns, Financing & Debt, Tax & Strategy, Operations).
- Metrics & Returns: https://www.richify.ai/learn/cap-rate, https://www.richify.ai/learn/cash-on-cash-return, https://www.richify.ai/learn/net-operating-income, https://www.richify.ai/learn/debt-service-coverage-ratio, https://www.richify.ai/learn/gross-rent-multiplier, https://www.richify.ai/learn/internal-rate-of-return, https://www.richify.ai/learn/loan-to-value-ratio, https://www.richify.ai/learn/capitalization-rate, https://www.richify.ai/learn/price-to-rent-ratio, https://www.richify.ai/learn/rental-yield
- Cash flow & valuation: https://www.richify.ai/learn/cash-flow, https://www.richify.ai/learn/appreciation, https://www.richify.ai/learn/property-valuation, https://www.richify.ai/learn/equity-buildup, https://www.richify.ai/learn/comparable-sales, https://www.richify.ai/learn/after-repair-value, https://www.richify.ai/learn/vacancy-rate
- Tax & strategy: https://www.richify.ai/learn/1031-exchange, https://www.richify.ai/learn/depreciation, https://www.richify.ai/learn/negative-gearing
- Operations & financing: https://www.richify.ai/learn/amortization, https://www.richify.ai/learn/break-even-ratio, https://www.richify.ai/learn/operating-expense-ratio, https://www.richify.ai/learn/cost-per-unit, https://www.richify.ai/learn/rent-roll, https://www.richify.ai/learn/triple-net-lease, https://www.richify.ai/learn/cap-ex, https://www.richify.ai/learn/turnover-cost, https://www.richify.ai/learn/absorption-rate, https://www.richify.ai/learn/days-on-market
- Investing fundamentals: https://www.richify.ai/learn/index-funds (what index funds are, how they work, top examples), https://www.richify.ai/learn/crypto-wallet (hot vs cold, custodial vs self-custody)

## Real Estate Markets /markets (28 cities × 5 countries · MarketCity schema)
Real estate market analysis pages covering 28 cities globally with rental yield, median price, price-to-rent ratio, market trends, and investor-relevant data. Each page has Place + RealEstateAgent + AggregateRating schema.
- https://www.richify.ai/markets: Markets index by country.
- Turkey (6): https://www.richify.ai/markets/istanbul, https://www.richify.ai/markets/ankara, https://www.richify.ai/markets/izmir, https://www.richify.ai/markets/antalya, https://www.richify.ai/markets/bodrum, https://www.richify.ai/markets/northern-cyprus
- USA (10): https://www.richify.ai/markets/austin, https://www.richify.ai/markets/miami, https://www.richify.ai/markets/dallas, https://www.richify.ai/markets/phoenix, https://www.richify.ai/markets/atlanta, https://www.richify.ai/markets/nashville, https://www.richify.ai/markets/tampa, https://www.richify.ai/markets/denver, https://www.richify.ai/markets/charlotte, https://www.richify.ai/markets/raleigh
- Australia (5): https://www.richify.ai/markets/sydney, https://www.richify.ai/markets/melbourne, https://www.richify.ai/markets/brisbane, https://www.richify.ai/markets/perth, https://www.richify.ai/markets/gold-coast
- UK (4): https://www.richify.ai/markets/london, https://www.richify.ai/markets/manchester, https://www.richify.ai/markets/birmingham, https://www.richify.ai/markets/edinburgh
- Canada (3): https://www.richify.ai/markets/toronto, https://www.richify.ai/markets/vancouver, https://www.richify.ai/markets/calgary

## Localized Real Estate Hubs (5 markets)
Country-specific real estate landing pages with localized property data, tax implications, and market dynamics.
- https://www.richify.ai/au/real-estate: Australia real estate hub (negative gearing, capital gains tax, stamp duty by state)
- https://www.richify.ai/uk/real-estate: UK real estate hub (SDLT, BTL mortgages, EPC requirements)
- https://www.richify.ai/us/real-estate: US real estate hub (1031 exchange, depreciation, cap rate by metro)
- https://www.richify.ai/ca/real-estate: Canada real estate hub (RRSP HBP, principal residence exemption)
- https://www.richify.ai/tr/real-estate: Turkey real estate hub (citizenship by investment, foreigner ownership rules)
- https://www.richify.ai/ca/best-personal-finance-app: "Best personal finance app Canada 2026" — comparison hub for Canadian users covering Mint replacement options, AI features, TFSA/RRSP support.

## Root-Level Real Estate & Feature Pages
Top-level (locale-agnostic) real estate tools and product feature pages.
- https://www.richify.ai/real-estate-portfolio-tracker: Real estate portfolio tracker — track multiple investment properties (purchase price, rent, mortgage, equity, cash flow) in one view. ROI, cap rate, cash-on-cash per property.
- https://www.richify.ai/real-estate-net-worth: Real-estate-inclusive net worth tracker — primary residence + investment properties + mortgages alongside equities, cash, crypto.
- https://www.richify.ai/property-roi-calculator: Property ROI calculator — cash-on-cash, cap rate, IRR over hold period, with appreciation and rent-growth assumptions.
- https://www.richify.ai/compound-interest-calculator: Global compound interest calculator — principal + monthly contribution, year-by-year growth table, Rule of 72.
- https://www.richify.ai/emergency-fund-calculator: Global emergency fund calculator — target months × monthly expenses, gap analysis, savings timeline.
- https://www.richify.ai/features/rental-tracking: Product feature page — rental income and expense tracking, per-property P&L, Schedule E-friendly export.
- https://www.richify.ai/features/property-analytics: Product feature page — portfolio analytics for real estate investors (cap rate trends, equity buildup, refinance opportunities).
- https://www.richify.ai/features/ai-insights: Product feature page — AI insights surfaced by Felix and the specialist team across portfolio, cashflow, and goals.

## Contact & Links
- Website: https://www.richify.ai
- Blog: https://blog.richify.ai
- Email: info@richify.ai
- Pricing (AI reference): https://www.richify.ai/pricing.md
- Privacy: https://www.richify.ai/privacy
- Terms: https://www.richify.ai/terms
- App Store: https://apps.apple.com/app/richify-personal-finance-ai/id6737745254
- Google Play: https://play.google.com/store/apps/details?id=com.richify.ai