Comparison

Richify vs Richify AI Financial Wellbeing

Price, ratings, monetisation and update history for both apps, side by side β€” with what reviewers say about each.

Head to head
About

Richify

Features
Read full description

Richify is one-stop shopping for all your Financial needs. You can use this state of the art app to stay on top of your Complete Financial Portfolio with all assets: - Mutual Funds - Equity Shares - Bonds - Fixed Deposits - PMS - Insurance Key Features: - Complete Portfolio report download including all assets. - View historical Performace of your Portfolio easily - Transaction statement of any period - 1 Click Statement of Account Download for any Asset Management Company in India - Advanced Capital Gain Reports - Invest Online in any Mutual fund scheme or New Fund Offer. Track all orders till the allotment of units to keep complete transparency - SIP Report to be informed of your Running and Upcoming SIPs, STPs. - Insurance list to keep track of premiums to be paid. - Folio details registered with each AMC. Calculators and Tools available: - Retirement Calculator - SIP Calculator - SIP Delay Calculator - SIP Step up Calculator - Marriage Calculator - EMI Calculator

About

Richify AI Financial Wellbeing

Features
Read full description

The AI wealth tracker that sees everything you own β€” and everything you owe. Richify is your complete financial dashboard: a real-time net worth tracker, investment tracker, debt manager and AI money coach in one app. Track every asset and every debt across stocks, real estate, retirement and savings β€” then ask AI to explain what's happening to your money. YOUR REAL NET WORTH, IN REAL TIME Richify tracks every asset class you actually own: stocks, ETFs, mutual funds and bonds; real estate and rental properties; retirement accounts including 401k, IRA, super and SIPP; cash, savings and checking accounts; vehicles, valuables and collectibles; gold, silver and precious metals; and foreign currency holdings. It tracks every debt working against you too: mortgages with payoff curves, personal loans and student debt, credit cards and lines of credit, and auto loans and financing. Net worth is what you own minus what you owe. Updated as markets move. Multi-currency across global markets. The full financial picture, not the partial one. ADD ANYTHING IN SECONDS File import lets you upload statements and holdings, and AI categorizes them automatically. Manual entry handles offline assets and private holdings. Daily sync refreshes markets in the background. Multi-currency support tracks AUD, USD, GBP, EUR, TRY and more, side by side. Set goals and retirement targets and see if your trajectory hits them. No spreadsheets. No manual reconciliation. No more guessing what your net worth actually is. AI THAT UNDERSTANDS YOUR WEALTH Other money trackers show you charts. Richify explains them. Your AI Feed delivers daily insights tied to your actual holdings, not generic market news. You'll see things like "Your tech allocation is now 47% β€” concentration risk is rising," "Mortgage payoff is on track β€” you'll be debt-free 14 months early," "Your AUD/USD exposure shifted with this week's rate decision," or "Goal: $250K by 50 β€” you're 8 months ahead." Ask anything in your own words, by voice or text. Questions like "Is my portfolio too concentrated?", "Am I on track for retirement?", "Should I pay off my credit card or invest the bonus?", or "What's hurting my net worth this month?" all get personalized answers based on your actual holdings. Read the answer or listen to it. Your call. DEBT, DONE DIFFERENTLY Most money apps treat debt as an afterthought. Richify makes debt management part of your daily wealth view. Track mortgages, credit cards, auto loans and student debt in one place. See debt payoff timelines and exactly when you'll be debt-free. Get AI guidance on debt payoff versus investment trade-offs. Watch your debt-to-asset ratio shrink in real time. BUILT FOR REAL WEALTH Richify works whether your net worth is $5,000 or $5 million. It's built for first-time investors building wealth from zero, mid-career professionals across multiple accounts, real estate investors with multiple properties, retirees tracking drawdown across portfolios, and anyone with money in more than one place. WHY RICHIFY IS DIFFERENT Most wealth trackers are just dashboards. Robo-advisors are black boxes. Spreadsheets are work. Richify is the wealth tracker with a brain β€” a personal AI money manager that knows every dollar you own and every dollar you owe, and tells you what it means in plain language, every day. This is wealth tracking, not financial advice. PRIVACY Your financial data is yours. You control what gets tracked. Your data is never sold. PREMIUM SUBSCRIPTION Richify is free to download and try. Premium unlocks unlimited AI conversations, advanced analytics, daily AI insights and unlimited tracked assets. Plans available monthly or annual. Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your account settings. Privacy Policy: https://www.richify.ai/privacy Terms of Service: https://www.richify.ai/terms

Screenshots

Richify4 screens
Richify AI Financial Wellbeing4 screens

Verdict

The call

The clearest difference is in-app purchases: Richify at none against Richify AI Financial Wellbeing's 2. Richify also leads on ads (none vs shown). Richify AI Financial Wellbeing's advantage is update cadence (every 4 days vs every 3 months). On price, device support and iOS requirement there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Richify AI Financial Wellbeing sells 2 in-app purchases, starting at $7.99 per month. Richify asks for nothing beyond the download.

UpkeepUpdate frequency

Richify ships an update every 3 months, Richify AI Financial Wellbeing every 4 days. The most recent releases landed on October 25, 2026 and October 28, 2026 respectively.

Scorecard3 real differences Β· 3 level
Richify versus Richify AI Financial Wellbeing: the parameters behind the verdict, then further details
ParameterRichifyRichify AI Financial Wellbeing
PriceFreeFree
Update frequencyEvery 3 monthsEvery 4 days β€” better
AdsNo β€” betterYes
In-app purchasesNo β€” betterYes
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.0 β€” better
Further details β€” not scored
Size86 MB88 MB
Age rating4+17+
DeveloperDSK Investment Advisors Private LimitedRichify AI Inc.

In-app purchases

None

Richify

No in-app purchases

2 purchases

Richify AI Financial Wellbeing

Subscriptions2
  • Richify AI Monthly$7.991 Month
  • Richify Premium - Yearly7 Days trial$59.991 Year

Questions

Is Richify free?
Richify is free to download, with no in-app purchases.
Is Richify AI Financial Wellbeing free?
Richify AI Financial Wellbeing is free to download, with in-app purchases available.
Do Richify or Richify AI Financial Wellbeing have ads?
Richify AI Financial Wellbeing shows ads; Richify does not.
Which is updated more often, Richify or Richify AI Financial Wellbeing?
Richify ships an update every 3 months, and Richify AI Financial Wellbeing every 4 days. Most recently, Richify was updated on October 25, 2026 and Richify AI Financial Wellbeing on October 28, 2026.

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