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I want to be a millionaire

See your future. Change it.

A financial plan built on your habits and your numbers.

Free to start. No card needed.

You at 65

Move the sliders. Watch your life change.

Invested today$20,000
You invest$500/mo
Average growth10% a year
Years to grow33 years
32
Your starting point. The earlier you start, the bigger the climb.
+$0/mo
Cook at home a few more nights. Invest what you save.
+$0/mo
A raise, a side hustle, a business. Invest the extra.

The little changes add up. Your future self gets the difference.

At 65 you're worth

$1,858,080

This is your path if nothing changes.

You're on your way. Every dollar helps you climb.

Millionaire at 59Financially IndependentFinancial Freedom
In TroubleBelow zeroSpending more than you earn
Get BySome savingsBills paid, a little put away
ThriveGrowingOn the way to a million
Millionaire$1MSeven figures
Financially Independent$2MWork becomes optional
Financial Freedom$10MFree to choose how you spend your time
HNI$25MHigh net worth. Banks call you
Private Jet$150MYou are allowed to buy a private jet
God Level$500M+You can influence politics

Example only. Assumes your investments grow 10% a year, roughly the S&P 500's long-run average, before inflation. Education, not financial advice.

Three steps to your future self

No spreadsheets. No guessing. Your real numbers, sorted and projected in minutes.

1

Connect your money

Link banks, cards, loans and investments in a couple of taps. Add your home, car and mortgage by hand.

ChequingVisaTFSA401(k)MortgageHome
2

Every dollar gets a head

AI sorts each transaction into a head like Groceries or Ordering in. Change any of them, and it remembers.

Whole FoodsGroceries
-$142
Uber EatsOrdering in
-$38
Mobile planMobile phone
-$95
3

Look into the Crystal Ball

See where you'll be at 45, 55 and 65. Move a slider and watch a better future appear.

You at 65$2.14MEstimated future, one small change at a time.

Climb from In Trouble to God Level

Your level comes from your real numbers, not a quiz. Wiseguard shows exactly what it takes to reach the next one, and when you'll get there at your current pace.

Only you see your level. Always.
In TroubleBelow zeroSpending more than you earn
You are hereGet BySome savingsBills paid, a little put away
ThriveGrowingOn the way to a million
Millionaire$1MSeven figures
Financially Independent$2MWork becomes optional
Financial Freedom$10MFree to choose how you spend your time
HNI$25MHigh net worth. Banks call you
Private Jet$150MYou are allowed to buy a private jet
God Level$500M+You can influence politics

A financial companion that finds what you're leaking

Every week it spots money slipping away and shows the fix. You pick how you want to hear it.

Estimated savings
$1,400 a year

Ordering in is up 40%

You spent $412 on delivery this month, 40% above your average. Getting back to normal saves about $1,400 a year.

Estimated savings
$420 a year

$12,000 is sitting idle

$12,000 has sat in chequing for 4 months earning almost nothing. High-interest savings could earn about $420 a year.

Estimated savings
$360 a year

Your phone plan costs too much

You pay $95 a month for mobile. Similar plans start around $65, which saves about $360 a year.

Illustrative savings estimates. Richwise is a money coach. Education, not financial advice.

Grow rich together

Invite the people you care about. Every friend who joins and pays gets you a free month. They pay their first month and get the second one free. The stronger your circle, the better your deals on insurance, loans, phone plans and more.

Mighty

10 paying friends

  • Better deals as your circle grows.
  • Every friend who pays gets you a free month.

Your friends never see your money.

Start free. Unlock your future for $10.

One price for your whole household, you and your partner. No ads, and we never sell your data.

  • Run a business too? Household + Business is $20 a month.
  • Your friend's second month is free too.
  • Every friend who pays gets you a free month.

Prices in US dollars. Pay monthly, or yearly and save $21.
Upgrade anytime. Cancel and keep your data.
Everyone pays their first month.

Questions

Is my money safe?

Bank connections use Plaid with read-only access. Richwise cannot move your money. You control your data.

Will my friends see my numbers?

Never. Your circle sees your first name and your circle's tier. Not your balances, your level or the deals you use.

Can my partner and I share one account?

Yes. Pick couple when you sign up. You each log in with your own Google account.

Is this financial advice?

No. Richwise is a money coach for planning and education. For personal investment advice, talk to a licensed professional.

What do I get for free?

Manual accounts, spending, CSV imports, budgets, net worth, your level, Skill Up and your circle.

Can I pay yearly?

Yes. Member is $10 a month or $99 a year, which saves $21. Each business you add costs the same as one more membership.

What happens if I cancel?

You move to the free plan and keep all your data. Bank connections are removed and AI turns off.

How do free months work?

When a friend joins through your link and pays, you both get a free month. It moves your next charge date 30 days later, on the monthly or the yearly plan.

Your climb starts today.

See where you're heading in about 3 minutes.