What is Richwise
Richwise is a life planner, a nudge coach and a money efficiency check, all built on your household's real numbers. Budgeting is just where it starts.
Budgeting apps look backwards. Richwise also looks forward, speaks up when it matters, and finds money you're quietly losing.
Plan your life
The Crystal Ball turns today's numbers into your net worth at 40, 50, 65 and beyond. Try a bigger home, a new baby, a career break or an early retirement, and watch the line move before you commit.
Get nudged
Richwise watches quietly in the background. When spending runs above normal, cash sits idle, or interest starts to pile up, you get one clear nudge with the next step. No nagging, no guilt.
Spend efficiently
Most households lose thousands a year to card interest, idle savings, forgotten subscriptions and spending creep. Richwise finds each leak, shows what it costs you this year, and what fixing it is worth by 65.
Budget without the busywork
Connect your banks once. Every transaction is sorted, budgets fill in on their own, and your net worth updates without a spreadsheet in sight. Budgeting is where Richwise starts, not where it stops.
Knowing you spent $640 on takeout is useful. Knowing it's $210 above normal, and that fixing it is worth about $2,500 a year, is what changes things.
| Feature | Budgeting app | Richwise |
|---|---|---|
| Shows where last month's money went | ||
| Shows your net worth at 65, and how to change it | ||
| Tells you the next move, and what it's worth in dollars | ||
| Alerts you before small problems become big ones | ||
| Plans for two people, with your own and joint money | ||
| Keeps business money separate from household money | ||
| Answers money questions about your own numbers | ||
| Short lessons that explain the why |
Richwise isn't another app to babysit. It works quietly, and shows up with something useful a few times a month.
One household, two people. Keep your own accounts, share what's joint, and plan the big things together.
Run your business books right next to home, never mixed. See how the business affects your family's future.
No jargon and no judgement. Short Skill Up lessons explain each idea in a few minutes.
We can see balances and transactions. We can never move your money.
You pay for Richwise, so your data is never the product.
Your level and numbers are yours. Your Circle never sees them.
Estimates are clearly labelled. Big decisions stay yours.
Free to start. No card needed. Upgrade when Richwise has earned it.