America's #1 AI-Powered
Personal Finance App
What if one AI agent handled your entire financial education journey? Track your 401(k), IRA, investments, and net worth — all in one place.
🇺🇸 Built for Americans · Free to start · No financial advice · SEC-aware
Americans are already building financial literacy smarter.
Built for Americans
Your financial life, fully understood — the American way.
From 401(k)s and Roth IRAs to your brokerage accounts and real estate — Richify speaks American finance fluently. Track retirement accounts, investments, student loans, and more in one place.
Track everything
Input and track everything you own.
Create your portfolio with your assets and liabilities.
401(k), Roth IRA, brokerage accounts, ETFs, real estate, student loans, savings, crypto — all consolidated in US dollars. By giving our AI agents a full picture of your financial life, you'll get accurate insights on how to reach your goals.
Your AI CFO & Specialist Team
Meet Felix and the Richify Team
Felix is your AI CFO. He coordinates a team of named specialists, each with a focused job — working together so you can see your whole financial picture.
For educational purposes only — not financial advice
Felix
AI CFO
Your AI CFO. Brings together your goals, cashflow, investments, properties, and debts into one complete financial picture — so you can focus on what matters most.
Ada
Financial Health Assessor
Analyzes your financial life and calculates a Financial Health Score — so you understand your strengths, risks, and opportunities for improvement.
Lily
Financial Teacher
Teaches the fundamentals of personal finance using your real situation — making 401(k)s, IRAs, HSAs, and tax concepts easier to understand and apply.
Pepper
Financial Architect
Helps you think strategically about money — turning financial complexity into clear frameworks for building long-term wealth.
Morgan
Mortgage Monitor
Tracks mortgage rates and explains refinancing math — so you understand the long-term impact of your home loan.
Dua
Money Mind Coach
Focuses on the emotional side of money — surfacing hidden patterns and behaviors that influence your financial decisions.
Charlie
Life Events Planner
Helps you prepare financially for life's biggest milestones — growing a family, buying a home, or starting a new chapter.
Sam
What-If Strategist
Explores different financial scenarios and future possibilities — so you understand potential outcomes before making important decisions.
How It Works
Your Financial Education Journey —
3 Simple Steps
Add Everything You Own
Track your 401(k), Roth IRA, brokerage accounts, real estate, savings, crypto, student loans, and any other assets or liabilities. Richify gives you a single, complete view of your financial life in US dollars.
Set Your Financial Goals
Tell Richify AI what you're working toward — paying off student loans, maxing out your 401(k), reaching FIRE, or building a real estate portfolio. The app breaks it into clear, achievable milestones.
Learn from AI Financial Educators
Chat with AI agents inspired by legendary investors and personal finance experts. Ask questions, explore strategies, and build the financial knowledge you need — at your own pace.
American Goals
Every American Financial Dream
Has a Roadmap
Richify turns your goals into learning journeys. Here are goals Americans are building with Richify today.
Save $80,000 for a home down payment
Max out my 401(k) and Roth IRA every year
Pay off $45,000 in student loans by 30
Build a $10,000/year passive income from S&P 500 dividends
Achieve financial independence by 40 (FIRE movement)
Maximize my HSA as a stealth retirement account
Build a diversified portfolio of index funds and ETFs
Start Learning. Start Building. It's Free.
Join 25,000+ users already on their financial education journey. Richify is free to download. No credit card. No financial advice. Just powerful AI-driven financial education — built for the American market.
Free Tools · United States
Built for Americans.
Free to use.
Net Worth Tracker USA
401k, Roth, property & crypto in one view
Wealth Tracker USA
All-in-one wealth tracker, free
Portfolio Tracker USA
Fidelity + Vanguard + Schwab together
Retirement Planning Hub
Are you on track? 3-scenario readiness score
Financial Wellbeing Score
Free CFPB-aligned 60-second assessment
What-If Scenarios
Recession + rate + save-more on your numbers
Reality Check
Cost of living by US city
FIRE Calculator
Financial independence number
401(k) vs Roth IRA
Which retirement account wins?
Roth Conversion Calculator
Should you convert to Roth?
HSA Cheat Code
Triple tax advantage unlock
Student Loan Speedrun
Fastest payoff strategy
State Tax Escape Map
Compare taxes across 50 states
Credit Score Quest
Level up your credit score
Gig Tax Calculator
Side hustle tax estimator
Opportunity Cost
Girl Math your spending
Subscription Roast
Roast your subscriptions
User Stories
What Americans Are Saying
“I finally understand my 401(k) options. Felix broke it down better than my HR department ever did.”
Mike R.
Austin, TX
“The FIRE calculator opened my eyes. I'm 28 and now I have a real plan to retire early.”
Jessica L.
Denver, CO
“Best personal finance app I've used since Mint shut down. Tracks everything and the AI agents are actually helpful.”
David K.
New York, NY
FAQ
