Richify

Richify is an AI-powered personal finance app built on the idea that your financial life deserves a team of specialists, not one generic tool. Instead of a standard interface where you manage your money yourself, Richify puts you in conversation with named AI agents, each with a focused job. The app is free on iOS and Android, with a Pro tier available. The site emphasizes upfront that the app is for educational purposes only and does not constitute financial advice, so this is a learning and tracking tool, not a replacement for a financial advisor.

The AI Team That Coordinates Your Finances

The core of Richify is Felix, your AI CFO who acts as a single entry point. Felix onboards you and coordinates a team of seven named specialists. Each specialist has a distinct role. Ada, the Financial Health Assessor, calculates your Financial Health Score so you understand your strengths, risks, and opportunities for improvement. Lily, the Financial Teacher, teaches personal finance fundamentals using your real numbers to make abstract concepts concrete. Pepper, the Financial Architect, helps you think strategically about money and turns financial complexity into clear frameworks for building wealth.

Morgan, the Mortgage Monitor, tracks mortgage rates and explains refinancing math so you understand the long-term impact of your home loan. Dua, the Money Mind Coach, focuses on the emotional side of money, surfacing hidden patterns and behaviors that influence your financial decisions. Charlie, the Life Events Planner, helps you prepare financially for life's biggest milestones like growing a family, buying a home, or starting a new chapter. Sam, the What-If Strategist, explores different financial scenarios and future possibilities so you understand potential outcomes before making important decisions.

This team structure means you get specialized insight on mortgage decisions from Morgan, wealth-building strategy from Pepper, and emotional coaching from Dua, rather than one generic app trying to do all of it. You interact with the team through conversation, so it feels more like talking to someone who knows your situation than filling out forms in a typical budgeting app.

Tracking Your Assets, Liabilities, and Net Worth

The foundation of using Richify is inputting your assets and liabilities: your retirement accounts, investments, real estate, bank balances, credit card balances, loans, and everything else that makes up your financial picture. The more context you give the AI agents, the more relevant their financial education and analysis become. The app shows you your true net worth, which is the number most people get wrong because they don't have a single place that tracks everything.

Richify shows three financial milestones as you build toward them. The first is understanding your starting point by tracking all your assets and liabilities to see your true net worth. The second milestone is growing your retirement base to $250,000. The third is achieving $500,000 in long-term savings. These serve as targets to aim for, and the app helps you track progress toward them.

AI-Driven Financial Education and Coaching

Beyond tracking, Richify delivers personalized education. Lily, the Financial Teacher, uses your actual portfolio to teach personal finance fundamentals. Instead of generic explanations about diversification or compound interest, she grounds lessons in your real situation. This makes the concepts stick better than reading about them in isolation.

The Money Mind Coach (Dua) is a feature less common in budgeting apps. Most tools treat money as pure math: income minus expenses, invest more, spend less. Richify recognizes that how you feel about money, your spending patterns, and your relationship with finances matter as much as the numbers. Dua works on that emotional side.

The Financial Architect (Pepper) helps with long-term thinking. Building wealth is not just about tracking spending month-to-month. It's about understanding the big picture and making strategic decisions about your assets. Pepper turns that complexity into clear frameworks.

Tracking and Scenario Planning

The What-If Strategist (Sam) lets you explore different financial scenarios. What if you got a raise? What happens to your net worth five years out? If you paid off one debt versus another, which gets you to your goals faster? If you moved states, how does that affect your tax situation? You can model scenarios before committing to a decision.

The Mortgage Monitor (Morgan) specifically tracks rates and refinancing math. If you have a mortgage, Morgan explains how your loan works, what refinancing would actually save you, and when it makes sense to move. This is relevant only if you have a home loan, but for people who do, it's a specialist tool built into the app.

The Life Events Planner (Charlie) helps you prepare for major life changes. Getting married, having a baby, buying a house, starting a business, losing a job. These are moments when your finances change dramatically, and Charlie helps you model what they mean for your net worth and your goals.

Scale and Active Users

Richify is tracking $1 billion in user assets across more than 40,000 users. This is real usage: people have actually put their financial data into the app and are using it regularly. The site mentions 250,000+ AI conversations completed, which suggests that users are actually engaging with the AI team, not just entering data and leaving.

The fact that a substantial portion of the tracked assets are in real estate portfolios suggests the app has found an audience with significant net worth. Richify's net worth and strategy focus appeals to people building wealth across multiple asset classes rather than simple account balancing.

Pricing

Richify is free on iOS and Android. You can download it, enter your financial data, and talk to the AI team at no cost. The Pro tier costs $9.99 per month. The site offers a 7-day trial of the Pro tier, so you can test the full feature set before paying.

The exact difference between free and Pro isn't detailed on the captured page. Typically for apps structured this way, the free tier gives you the core features (asset tracking, the AI coaching) with some limits, and Pro removes those limits or adds advanced features. Without seeing the comparison table, you'd want to check before subscribing to understand what you're paying for.

Educational Tool, Not Financial Advice or a Broker

The site states clearly that Richify is "for educational purposes only - not financial advice." This matters because some budgeting or investment apps sit somewhere on the spectrum from pure tracking to actual financial advice or brokerage services. Richify is on the educational tracking end. You input your portfolio, the AI coaches you on your thinking, and you make your own decisions. The app doesn't execute trades, doesn't manage your money, and doesn't replace a financial advisor for major decisions.

What Richify Offers That's Different

The AI coaching model is the standout feature. Most budgeting apps are dashboards: they show you numbers and charts. Richify is conversational. You talk to Felix and the specialists about your financial situation, your decisions, and your goals. This is more engaging for some people and may actually change behavior better than looking at a pie chart of spending.

The net worth focus is another differentiator. Most budgeting apps focus on monthly cash flow: income, expenses, budget. Richify is more interested in your total wealth and how to build it over time. If you want to understand your financial picture comprehensively (what you own, what you owe, where you're headed) rather than just manage this month's paycheck, that's Richify's angle.

The specialist team structure means you get focused advice on specific topics. A person who's confused about mortgages gets a specialist. A person working through emotional issues with money gets a specialist. A person planning for retirement gets a specialist. This is closer to how financial advice works in the real world, just delivered by AI instead of humans.

Who Richify Suits

Richify works for people with meaningful net worth who want to understand and grow their total financial picture. If you own real estate, have multiple investments, or earn enough that your decisions about money actually matter in the long term, the app is built for that. It suits people who like talking through their thinking (or who want to develop that habit) rather than just looking at numbers. It's helpful for anyone whose finances are complex enough that a simple budgeting app feels inadequate, but who doesn't necessarily want to hire a financial advisor.

Richify is not a bank, a broker, or a financial advisor. It's an AI coaching and tracking tool. If you're looking for a place to actually buy investments or transfer money, you still need your real brokerage and bank accounts. Richify works alongside those, helping you make better decisions about the money you have.