Turn money chaos into a clear plan. Meet Pepper.
Pepper is Richify's AI financial architect. She turns scattered accounts and vague goals into clear frameworks — how your savings, investing, and debt fit together into one long-term structure for building wealth. Educational only, not advice.
Free to start · iOS & Android · 25,000+ people tracking their wealth with Richify
You have goals and accounts, but nothing connecting them
Tactics without a plan.
A savings app here, a hot tip there, a spreadsheet somewhere. Lots of moving parts, no structure holding them together.
Goals with no roadmap.
“Buy a home, retire comfortably, stay out of debt” — worthy goals, but which comes first and how they trade off stays fuzzy.
Complexity grows with wealth.
The more accounts and assets you accumulate, the harder it is to see the structure. Pepper draws the blueprint.
How Pepper works
- 1
Map your goals and accounts.
Add what you're working toward and what you've got in the Richify app (manual entry works everywhere — no bank login required).
- 2
Ask Pepper for a framework.
“How should the pieces fit together?” “What order makes sense for my goals?” — in plain language.
- 3
See how the pieces fit.
Pepper lays out a clear structure and the trade-offs between options, using your own numbers — so you can choose with eyes open.
What you can ask Pepper today
How should the pieces of my finances fit together?
Pepper lays out a structure connecting your savings, investing, and debt into one coherent picture, using your numbers.
How do I balance paying off debt vs investing?
Pepper shows the math both ways — the cost of the debt against the potential of investing — so the trade-off is clear.
What's a sensible structure for my savings?
Pepper frames your cash into buckets by timeline and purpose, illustrating how each goal could be funded.
Which goal should anchor my plan?
Pepper frames how your goals compete for the same money and what each one implies — as options, not instructions.
What order makes sense for my financial goals?
Pepper lays out a sequencing framework so you can see one logical order in which goals could be tackled.
How does my plan change as my income grows?
Pepper shows how the structure flexes as your earnings rise, so the framework still holds as life changes.
Pepper frames the options. The decisions stay yours.
Pepper vs. a one-off financial plan
| One-off plan (PDF) | Pepper | |
|---|---|---|
| Built on your real data | Sometimes — then frozen | Yes — your live numbers |
| Updates as life changes | No — outdated fast | Yes — ask again anytime |
| Frameworks, not products | Often tied to a sale | Yes — structure only |
| Tells you what to do | Frequently prescriptive | Never — frames the options |
Frequently asked questions
Is Pepper a financial advisor?
No. Pepper is an AI agent inside the Richify app that helps you think in frameworks, using the information you provide. Pepper never recommends products or tells you what to do — she lays out the structure and trade-offs so you can decide.
How is Pepper different from Sam?
Sam runs the math on specific what-if scenarios; Pepper helps you see the overall structure your finances fit into. Many people use both — Pepper for the blueprint, Sam to pressure-test a particular decision within it.
Is Pepper free?
Richify is free to download, and you can start mapping your goals with Pepper right away. Some advanced features may need a paid plan, and you'll always see what's included before anything unlocks.
What information does Pepper need?
Whatever you choose to add: goals, accounts, savings, and debts. Manual entry works in every country, and the fuller the picture, the more useful the framework. You stay in control of what you share.
How do I start a chat with Pepper?
Download the Richify app on iOS or Android, finish the short setup, and tap Pepper from your agent team. Tell her what you're working toward and she'll sketch a first framework in under a minute.
Sketch your financial blueprint in the next 2 minutes
Pepper is one of Richify's AI agents — meet the rest of the team.