Is your mortgage still working for you? Ask Morgan.
Morgan is Richify's AI mortgage agent. She tracks rates and runs the refinancing math on your actual loan — payments, total interest, break-even points — so you understand the long-term cost of your home loan. Educational only, not advice.
Free to start · iOS & Android · 25,000+ people tracking their wealth with Richify
Your mortgage is your biggest expense and nobody's watching it
Rates move, your loan doesn't.
Most people set a mortgage and forget it. Meanwhile rates shift, and the gap between your rate and today's can quietly cost a fortune.
Refinance math is brutal.
Break-even points, closing costs, a new term resetting the clock — the numbers are easy to get wrong and hard to do by hand.
Lenders aren't on your side.
A bank's calculator is built to sell a loan. Morgan runs the math on your actual loan, with no product to push.
How Morgan works
- 1
Add your loan details.
Balance, rate, term, and payment in the Richify app (manual entry works everywhere — no bank login required).
- 2
Morgan tracks and calculates.
She watches how today's rates compare to yours and runs the refinancing and payoff math on your real loan.
- 3
See the long-term math.
Total interest, monthly payment, break-even timing, and payoff date — laid out side by side so the long-term cost is clear.
What you can ask Morgan today
What if I refinance at today's rate?
Morgan compares your current loan against a refinance — new payment, total interest, and what changes over the life of the loan.
When would refinancing break even?
Morgan weighs the closing costs against the monthly saving and shows the month the switch would pay for itself.
What if I make extra payments?
Morgan shows how much time comes off your term and how much interest you'd avoid by paying extra.
How much interest will I pay over the full term?
Morgan totals the interest across the life of your loan so the real long-term cost is visible.
What if rates drop 1%?
Morgan reprojects your refinance math under a lower rate, so you can see what a move in the market would mean for you.
How do a 15- and 30-year term compare?
Morgan puts both terms side by side — payment, total interest, payoff date — as math, so the trade-off is yours to weigh.
Morgan runs the loan math. The decision stays yours.
Morgan vs. a bank's mortgage calculator
| Bank calculator | Morgan | |
|---|---|---|
| Uses your actual loan | No — generic inputs | Yes — your balance, rate, term |
| Tracks rates over time | No — one-time estimate | Yes — keeps watching |
| Independent of any lender | Built to sell a loan | Yes — no product to push |
| Tells you what to do | Steers you to apply | Never — shows the math only |
Frequently asked questions
Is Morgan a mortgage broker or financial advisor?
No. Morgan is an AI agent inside the Richify app that runs mortgage and refinancing math on the loan details you provide. Morgan never sells loans, recommends a lender, or tells you what to do — she shows you the numbers so you can decide.
Does Morgan find me a mortgage or a rate?
No. Morgan doesn't broker loans or pull live quotes from lenders. She helps you understand the math on your existing loan and on rate scenarios you enter, so you can have an informed conversation wherever you borrow.
Is Morgan free?
Richify is free to download, and you can add your loan and run the math with Morgan right away. Some advanced features may need a paid plan, and you'll always see what's included before anything unlocks.
What information does Morgan need?
Your loan basics: balance, interest rate, term, and payment. Manual entry works in every country. The more accurate the details, the sharper the math. You stay in control of what you share.
How do I start a chat with Morgan?
Download the Richify app on iOS or Android, finish the short setup, and tap Morgan from your agent team. Enter your loan and ask a refinance question — the math takes under a minute.
Run your mortgage math in the next 2 minutes
Morgan is one of Richify's AI agents — meet the rest of the team.