How healthy are your finances? Ask Ada.
Ada is Richify's AI financial-health agent. She analyses your money across savings, debt, protection, and investing, then calculates a Financial Health Score — so you can see your strengths, your risks, and where there's room to improve. Educational only, not advice.
Free to start · iOS & Android · 25,000+ people tracking their wealth with Richify
You can't improve a number you've never seen
Health checks exist for everything but money.
You can score your fitness, your sleep, even your credit. But there's no single read on how healthy your overall finances actually are.
Strengths and risks stay hidden.
Without a clear breakdown, it's hard to know whether your emergency fund, your debt load, or your savings rate is the thing to watch.
Generic advice ignores your situation.
Rules of thumb assume an average person. Ada scores your real numbers, so the picture reflects you — not a national average.
How Ada works
- 1
Add your numbers.
Income, savings, debts, and accounts in the Richify app (manual entry works everywhere — no bank login required).
- 2
Ada scores your financial health.
She analyses your situation across several dimensions and calculates a Financial Health Score with a clear breakdown.
- 3
See what moves the score.
Ada shows which components are strong, which are exposed, and the math behind each — so you understand where you stand.
What you can ask Ada today
What's my Financial Health Score?
Ada calculates a single score and breaks it into its components, so you can see exactly what's pulling it up or down.
How big is my emergency fund, really?
Ada shows how many months of your actual expenses your cash cushion would cover.
Is my debt load healthy?
Ada lays out your debt-to-income and related ratios against common benchmarks, using your own figures.
Am I saving enough for my goals?
Ada compares your current savings rate to what your stated goals imply — as a calculation, not a directive.
Where am I most exposed?
Ada surfaces the weakest part of your financial picture so the biggest risk isn't a blind spot.
What would move my score the most?
Ada highlights the highest-impact component mathematically, so you can see where change would matter — the choice stays yours.
Ada measures where you stand. What you do with the score is yours.
Ada vs. a credit score
| Credit score | Ada | |
|---|---|---|
| Looks at your whole financial life | No — borrowing history only | Yes — savings, debt, investing, more |
| Shows the components | Mostly a black box | Yes — a clear breakdown |
| Built on your real data | Bureau records only | Yes — the numbers you add |
| Tells you what to do | Often upsells products | Never — shows the math only |
Frequently asked questions
Is Ada a financial advisor?
No. Ada is an AI agent inside the Richify app that analyses the information you provide and calculates a Financial Health Score. Ada never recommends products or tells you what to do — she shows you where you stand so you can decide.
Is the Financial Health Score the same as a credit score?
No. A credit score reflects your borrowing history for lenders. Ada's score is an educational measure of your overall financial health — savings, debt, investing and more — built from the numbers you add, for your own understanding.
Is Ada free?
Richify is free to download, and you can add your numbers and see an initial read of your financial health right away. Some advanced features may need a paid plan, and you'll always see what's included before anything unlocks.
What information does Ada need?
Whatever you choose to add: income, savings, debts, and accounts. Manual entry works in every country, and the more complete your numbers, the more accurate the score. You stay in control of what you share.
How do I start a chat with Ada?
Download the Richify app on iOS or Android, finish the short setup, and tap Ada from your agent team. Add a few numbers and she'll calculate your first Financial Health Score in under a minute.
Get your Financial Health Score in the next 2 minutes
Ada is one of Richify's AI agents — meet the rest of the team.