What would happen if…? Ask Sam.
Sam is Richify's AI what-if agent. Tell Sam a scenario — retiring earlier, a new baby, moving countries, a market downturn — and Sam runs the math on your own numbers, instantly. No advice, no jargon. Just your financial future, calculated.
Free to start · iOS & Android · 25,000+ people tracking their wealth with Richify
Big life decisions are math problems nobody helps you calculate
Spreadsheets break.
Modeling “what if I retire at 55 instead of 65” means rebuilding formulas for hours — and one wrong cell ruins the answer.
Generic calculators don't know you.
Online retirement calculators use averages. Your savings rate, your currency, your timeline — they ignore all of it.
Advice is expensive or biased.
Sam doesn't sell products or tell you what to do. Sam shows you what the numbers say, using your own data.
How Sam works
- 1
Connect your numbers.
Add your accounts, income, and goals in the Richify app (manual entry works everywhere — no bank login required).
- 2
Ask anything in plain language.
“What if we have a second child next year?” “What if I take a 6-month sabbatical?”
- 3
See the math, instantly.
Sam projects your net worth, savings, and timeline under each scenario — side by side with your current path.
What-if scenarios you can run today
What if I retire 5 years earlier?
Sam compares your projected net worth at your current retirement age versus the earlier one, and shows the monthly savings change that would close the gap.
What if we grow our family?
Model a new child: reduced household income for a period, new recurring costs, and what it does to your long-term savings curve.
What if I buy a home instead of renting?
Sam puts the rent-versus-buy math side by side over 10, 20, and 30 years — upfront costs, ongoing costs, and equity — using your numbers, not national averages.
What if I move to another country?
Different income, different cost of living, different currency. Sam reprojects your wealth timeline under the new assumptions you set.
What if the market drops 30% next year?
Stress-test your plan. Sam shows how a downturn — and the recovery scenarios you choose — would move your net worth and goal dates.
What if I take a career break?
A sabbatical, a startup attempt, going back to school: Sam shows the short-term dip and the long-term picture so you can see the real cost of the pause.
Sam runs the calculations. The decisions stay yours.
Sam vs. a generic online calculator
| Generic calculator | Sam | |
|---|---|---|
| Uses your real data | No — averages and presets | Yes — your accounts, income, goals |
| Multiple scenarios side by side | Usually one at a time | Yes — compare paths instantly |
| Plain-language questions | No — sliders and fields | Yes — just ask |
| Tells you what to do | Sometimes pushes products | Never — shows the math only |
Frequently asked questions
Is Sam a financial advisor?
No. Sam is an AI calculation agent inside the Richify app. Sam runs projections and scenario math on the information you provide. Sam never recommends products or tells you what to do — it shows you what the numbers say so you can decide.
Is Sam free?
Richify is free to download, and you can start adding your numbers and exploring scenarios right away. Some advanced features may need a paid plan, and you'll always see what's included before anything unlocks. Sam is part of Richify's AI agent team inside the app.
What information does Sam need?
Whatever you choose to add: income, savings, accounts, and goals. Manual entry works in every country. The more complete your numbers, the more precise the scenarios. You stay in control of what you share, and nothing is required to start exploring.
Which countries does Sam work in?
Richify works globally with multi-currency support. Scenarios are built on your own numbers, so they work wherever you live. There are no country-specific account types to set up — you describe your situation, and Sam runs the math on it.
How do I start a chat with Sam?
Download the Richify app on iOS or Android, finish the short setup, and tap Sam from your agent team. Your first scenario takes under a minute. Sam will ask what you'd like to model, then show the numbers side by side.
Ask your first what-if in the next 2 minutes
Sam is one of Richify's AI agents — meet the rest of the team soon.