The all-in-one app that connects your daily spending to your retirement timeline. Budget, track net worth, plan for FIRE, and build wealth — all in one place.
Everyone hits the same wall.
YNAB for budgeting
but no investments
Empower for investments
but no real budgeting
ProjectionLab for FIRE
but no daily tracking
From daily transactions to 30-year retirement projections, every tool works together in one unified platform.
Four modes: envelope, flex, percentage, and simple. Switch anytime to match your style.
Instantly find any transaction. Smart rules auto-categorize spending as you go.
See every recurring charge in one place. Never get surprised by a forgotten subscription.
Visualize upcoming bills, income, and financial events on a unified calendar view.
Split purchases across categories and add custom tags for powerful filtering.
Automated daily snapshots chart your wealth over time with detailed breakdowns by account.
Track holdings, asset allocation, and performance across all your brokerage accounts.
Monitor property values, mortgages, equity, and rental income in your net worth.
Uncover hidden fees across your accounts and see their long-term impact on returns.
Track your savings rate over time — the single most important number for building wealth.
See exactly how each spending change affects your FIRE date in real time.
Run 1,000+ market scenarios to understand your true probability of success.
Find out when you can stop saving aggressively and let compounding do the work.
Model Roth conversion ladders to minimize lifetime taxes in retirement.
Optimize which accounts to draw from first to minimize your tax burden.
Compare claiming strategies to maximize your lifetime Social Security benefits.
Compare snowball vs. avalanche strategies and see your debt-free date.
Ask questions about your finances in plain English and get instant, data-driven answers.
Create custom rules that automatically categorize transactions as they come in.
Keep business and personal finances separate within the same account.
Invite your partner or family with configurable permissions and shared goals.
Generate visual reports for spending, income, net worth, and more.
Export any data set to CSV or PDF for your records or tax professional.
Three simple steps to financial clarity.
Link bank accounts securely via Plaid, or add them manually. Your choice, your control.
Your dashboard shows net worth, budget status, and FIRE progress at a glance.
Monte Carlo simulations, retirement projections, and goal tracking keep you on course.
Start free. Upgrade when you need more power.
Get started with the basics
For serious budgeters
The complete financial toolkit
Other apps do one thing well. We do everything.
| Feature | Richometer | Monarch | YNAB | Empower | ProjectionLab |
|---|---|---|---|---|---|
| Flexible Budgeting (4 modes) | |||||
| Net Worth Tracking | |||||
| Investment Tracking | |||||
| FIRE Calculators | |||||
| Monte Carlo Simulations | |||||
| Tax Planning | |||||
| Transaction Categorization | |||||
| Real Estate Tracking | |||||
| Subscription Tracker | |||||
| AI Financial Assistant | |||||
| Household Sharing | |||||
| Free Tier Available |
Every
asset type tracked
4
budgeting modes
1,000+
Monte Carlo simulations
Bank-Grade
security standards
Got questions? We have answers.
Absolutely. We use 256-bit AES encryption for all data at rest and TLS 1.3 for data in transit. Bank connections are handled through Plaid, which is used by thousands of financial institutions. We never store your bank credentials, and we never sell your data. Your financial information stays yours.
Yes! You can import your transaction history via CSV files from Mint, YNAB, and most other financial tools. We provide step-by-step import guides for each platform to make the transition as smooth as possible.
No. While connecting via Plaid enables automatic transaction imports and real-time balance updates, you can use Richometer entirely with manual entry. Many users prefer manual tracking for greater control and awareness of their spending.
FIRE stands for Financial Independence, Retire Early. Our FIRE calculator analyzes your income, expenses, savings rate, and investment returns to project when you can reach financial independence. It includes Coast FI and Barista FI calculations, Monte Carlo simulations with thousands of market scenarios, and spending impact analysis.
Yes! Our household sharing feature lets you invite family members to your financial dashboard. Each person gets their own login with configurable permissions. You can share accounts, budgets, and goals while maintaining individual transaction tracking.
Richometer is built as a progressive web app (PWA), which means it works beautifully on any device. Simply visit the site on your phone and add it to your home screen for a native app-like experience with offline support, push notifications, and fast load times.
We support four budgeting modes: Envelope (allocate every dollar to a category), Flex (set targets with rollover), Percentage-based (allocate by percentage of income), and Simple (just track spending against a total budget). Switch between modes anytime.
Yes, you can cancel your subscription at any time with no cancellation fees. Your data remains accessible through the free tier, so you never lose your financial history. We also offer a 14-day free trial on all paid plans.
Join thousands of people who have replaced their patchwork of finance apps with one unified platform. Start for free — no credit card required.
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