Learn money using your own money. Meet Lily.
Lily is Richify's AI financial teacher. She explains the fundamentals of personal finance — compounding, diversification, debt, tax-advantaged accounts — using your real situation, so the abstract concepts finally click. Educational only, never advice.
Free to start · iOS & Android · 25,000+ people tracking their wealth with Richify
Personal finance is taught to everyone except you
Jargon is everywhere.
Compound interest, diversification, expense ratios, marginal rates — the words alone keep people out of their own finances.
Generic courses don't stick.
Lessons built on made-up examples are easy to forget. Nothing connects them to the money actually sitting in your accounts.
No one explains it with your numbers.
A concept clicks when it's about you. Lily teaches each idea using your real situation, so it actually lands.
How Lily works
- 1
Add your situation.
Your accounts, savings, and goals in the Richify app (manual entry works everywhere — no bank login required).
- 2
Ask Lily to explain anything.
“What is compound interest?” “Why does diversification matter?” “What's the difference between these accounts?” — in plain language.
- 3
Learn with your real numbers.
Lily teaches each concept using your own figures, and answers your follow-up questions until it makes sense.
What you can ask Lily today
What is compound interest — on my savings?
Lily explains the idea and shows how it plays out on your actual balance over time, so the concept stops being abstract.
Why does diversification matter for my portfolio?
Lily walks through why spreading risk matters, illustrated with the kind of holdings you actually have.
What's the difference between these account types?
Lily explains how the account types you're using differ — in plain language, without pushing you toward any of them.
How does inflation affect my money?
Lily shows what rising prices do to the purchasing power of the cash and savings you hold.
What does 'good debt vs bad debt' really mean?
Lily explains how borrowing costs work and what the phrase means, using the loans on your own statement.
How do I read my own net worth statement?
Lily breaks down what each line in your picture means, so the numbers become something you can interpret yourself.
Lily teaches the concepts. The choices stay yours.
Lily vs. a generic finance course
| Finance course or blog | Lily | |
|---|---|---|
| Uses your real numbers | No — made-up examples | Yes — your accounts and goals |
| Answers your follow-ups | No — one-way content | Yes — ask until it clicks |
| Available the moment you wonder | Sign up, wait, schedule | Yes — right in the app |
| Tells you what to do | Often sells a product | Never — explains the idea only |
Frequently asked questions
Is Lily a financial advisor?
No. Lily is an AI teaching agent inside the Richify app. She explains personal-finance concepts using the information you provide. Lily never recommends products or tells you what to do — she helps you understand the ideas so you can decide for yourself.
Do I need any finance background to learn with Lily?
None at all. Lily is built for first-time learners and explains from the ground up, using your own numbers and plain language. You can ask the most basic question without judgement.
Is Lily free?
Richify is free to download, and you can start learning with Lily right away. Some advanced features may need a paid plan, and you'll always see what's included before anything unlocks.
What information does Lily need?
Whatever you choose to add: accounts, savings, and goals. Manual entry works in every country, and the more you add, the more personal the lessons. You stay in control of what you share.
How do I start a chat with Lily?
Download the Richify app on iOS or Android, finish the short setup, and tap Lily from your agent team. Ask her to explain anything — your first lesson takes under a minute.
Understand your first money concept in the next 2 minutes
Lily is one of Richify's AI agents — meet the rest of the team.