Plan for life's big moments. Meet Charlie.
Charlie is Richify's AI life-events agent. He helps you prepare financially for the milestones that change everything — a new baby, a home, a wedding, a career move, retirement — by running the numbers on what each one means for your money. Educational only, not advice.
Free to start · iOS & Android · 25,000+ people tracking their wealth with Richify
Life's biggest moments arrive with the biggest bills
Milestones blindside your budget.
A baby, a move, a wedding — the joy is obvious, the financial ripple isn't. Costs land in waves you didn't see coming.
Each event is a tangle of numbers.
One-off costs, new recurring expenses, a change in income — every milestone reshapes your finances in several directions at once.
Generic checklists ignore your numbers.
“The average wedding costs X” tells you nothing about your situation. Charlie runs the math on your real figures.
How Charlie works
- 1
Pick a milestone.
Tell Charlie what's ahead — a baby, a home, a wedding, a career change, retirement — in the Richify app.
- 2
Charlie runs the numbers.
He models the one-off costs, the new recurring expenses, and any change in income against your current picture.
- 3
See what to prepare.
Charlie shows how the milestone moves your savings, cashflow, and timeline — so you can prepare with eyes open.
Life events you can plan with Charlie
What does having a baby cost us?
Charlie models the upfront costs, the new recurring expenses, and any income change, then shows the effect on your savings curve.
Are we financially ready to buy a home?
Charlie lays out the deposit, the ongoing costs, and the timeline against your numbers, so readiness becomes a calculation.
How much should we set aside for a wedding?
Charlie turns a target budget into a savings timeline that fits your cashflow.
What changes financially if I switch careers?
Charlie models a different income — higher, lower, or delayed — and shows what it does to your plan.
How do we prepare for a parent needing care?
Charlie helps you put numbers around a sensitive what-if, so the financial side is one less unknown.
What does retirement look like on our numbers?
Charlie projects your income and spending into retirement using your own figures, so the milestone feels concrete.
Charlie maps the costs. The decisions stay yours.
Charlie vs. a generic life-event checklist
| Online checklist | Charlie | |
|---|---|---|
| Uses your real numbers | No — national averages | Yes — your income and savings |
| Covers many milestones | One topic at a time | Yes — baby to retirement |
| Shows the effect on your plan | No — just a cost list | Yes — savings and timeline |
| Tells you what to do | Often pushes products | Never — shows the math only |
Frequently asked questions
Is Charlie a financial advisor?
No. Charlie is an AI agent inside the Richify app that runs the numbers on life events using the information you provide. Charlie never recommends products or tells you what to do — he shows you what a milestone means for your money so you can prepare.
How is Charlie different from Sam?
Sam runs open-ended what-if scenarios; Charlie focuses on the financial planning around specific life milestones — a baby, a home, retirement. They overlap, and many people use both depending on the question.
Is Charlie free?
Richify is free to download, and you can start planning a milestone with Charlie right away. Some advanced features may need a paid plan, and you'll always see what's included before anything unlocks.
What information does Charlie need?
Your income, savings, and goals, plus the milestone you're planning for. Manual entry works in every country, and the fuller the picture, the more precise the plan. You stay in control of what you share.
How do I start a chat with Charlie?
Download the Richify app on iOS or Android, finish the short setup, and tap Charlie from your agent team. Name the milestone ahead and he'll run a first plan in under a minute.
Plan your next milestone in the next 2 minutes
Charlie is one of Richify's AI agents — meet the rest of the team.