Features
Most people use three apps to manage their money — one for budgeting, one for net worth, one for projections. Rikdom is all of them, plus tools that tell you what to do next.
Connect accounts, categorize spending automatically, and build budgets that match how you actually live. No manual spreadsheets.
Included in EssentialsStop tagging every purchase by hand. Rikdom learns your patterns after three transactions and auto-categorizes the rest. Confirm suggestions with one click — or let them flow.
Assign every dollar before you spend it. Allocate income across categories, track what you've spent, and see what's left in real-time. Surplus rolls over automatically when you want it to.
See your cash flow at a glance. Visualize income and expenses over time, drill into any single month's anatomy as a Sankey flow diagram, and project 3 months forward based on your actual recurring transactions.
How long can you last on savings? Slide income and expenses up or down to see how changes extend or shorten your runway. Plan sabbaticals or career gaps.
Bring what you already built. The wizard reads your export — YNAB's, or a Monarch CSV — and recreates your accounts, categories, and transaction history inside Rikdom. You review what it matched before anything is written. From YNAB, your envelope structure survives the move; Monarch's export doesn't carry budget amounts, so you set those fresh.
Banks, brokerages, real estate, vehicles. Everything in one place. See your true net worth, not just your checking balance.
Included in EssentialsConnect checking, savings, and investment accounts from 200+ institutions via Plaid and SnapTrade. Balances refresh automatically. Track individual holdings and cost basis, not just account totals.
Your home is probably your largest asset — track it alongside vehicles, jewelry, and collectibles. Property values auto-refresh via RentCast every 30 days so your net worth stays current without manual updates.
Not all net worth is accessible. Your home equity can't pay rent next month. Rikdom classifies every asset by liquidity tier and calculates a weighted score showing what percentage of your wealth you can actually use — plus how many months of runway that gives you.
Monte Carlo projections, tax-loss harvesting, rebalancing alerts, and AI-powered queries. The layer that turns tracking into action.
Pro OnlySee your financial future as a probability distribution, not a straight line. 10,000-path simulations account for market volatility, sequence-of-returns risk, and your actual asset allocation. Toggle between nominal and inflation-adjusted dollars.
Rikdom scans your brokerage positions daily for lots trading below cost basis. See harvestable losses ranked by potential tax savings, with wash sale windows flagged automatically. Target 0.85%–1.10% annual alpha from TLH alone.
Set target allocations and Rikdom tracks drift. When your portfolio strays beyond your bands, you get specific trade suggestions: which positions to buy or sell, and how much.
Ask your financial data questions in plain English. "What's my effective savings rate?" "How did my dining spending change quarter over quarter?" Rikdom translates your question to a query, runs it, and returns the answer with context.
How does your savings rate compare to people who earn what you earn? Opt-in benchmarking shows where you stand across 8 KPIs — without exposing anyone's individual data.
One PDF that says where you stand: net worth and what moved it, cash flow and savings rate, portfolio composition, quarterly trend. Built for the annual sit-down with your spouse — or with the advisor charging you 1% for a version of the same summary.
Set goals, link accounts, and see your probability of success — not just a progress bar, but an analytical model based on your actual portfolio growth.
Essentials: GoalsCreate goals with target amounts and deadlines. Link specific accounts to each goal so progress reflects real balances. Drag-and-drop to prioritize. Status badges tell you at a glance if you're on track, behind, or at risk.
A progress bar shows where you are. A probability gauge shows if you'll make it. Rikdom models your goal's likelihood using an analytical lognormal growth model based on your linked accounts' actual performance.
Are you saving fast enough? See the required monthly savings rate for each goal vs. your actual rate, plus a 90-day sparkline showing your velocity trend over time. Know when to adjust before it's too late.
When to convert, when to claim, what to sell first. Three decisions that swing six figures, modeled year by year against the balances already in your account.
Pro OnlyConverting means paying tax now to avoid paying it later. Rikdom models both paths year by year to age 95 — what the conversion costs you today, the RMDs it spares you at 73, and the age the two lines finally cross. Move the slider, watch the break-even move with it.
Claiming at 62 instead of 70 can cost six figures across a retirement — or save you money, if you don't expect to need the later years. Enter the benefit estimate from your SSA statement and Rikdom runs all nine claiming ages against each other, including your spouse's record.
Which account do you drain first? Rikdom compares conventional sequencing against Roth-first and proportional, then hands you a year-by-year plan: which account, how much, and what the tax bill looks like. RMDs are enforced rather than assumed, and Medicare surcharge thresholds get flagged before you cross one.
Simple pricing
Both include a 31-day free trial. Cancel anytime.
Budget, track, and understand your money.
Everything in Essentials, plus Intelligence.