Getting Started
Most users are set up in under 10 minutes. Connect accounts, confirm a few categories, allocate your income, and Rikdom handles the rest.
Six steps
Follow these in order. Each step builds on the previous one.
Choose your bank from the Plaid directory and authorize read-only access. Transactions start flowing immediately. Your credentials never touch Rikdom's servers.
~2 minutesYour recent transactions will have suggested categories. Tap the checkmark on 5 of them to confirm — this trains the auto-categorization engine to learn your patterns.
~2 minutesEnter your monthly income, then assign dollars to categories until "Ready to Assign" hits $0. This is zero-based budgeting — every dollar gets a job.
~3 minutesAdd your home, car, or another tangible asset. Property values auto-refresh via RentCast. Your net worth now reflects more than just your bank balance.
~1 minuteDefine a target amount, deadline, and link the accounts that contribute to it. Rikdom calculates your success probability and tracks velocity automatically.
~2 minutesSee your 4 KPIs, net worth trend, and any opportunities at a glance. From here, everything updates automatically. Check in weekly — or daily, if you're that kind of person.
~1 minuteFeature guides
Detailed walkthroughs for each major feature. Start with the quick start above — come back here when you want to unlock more.
Transactions, budgets, cash flow, and recurring payments. The foundation of how Rikdom works.
→Connect accounts, add real assets, understand your liquidity score, and see your complete financial picture.
→Set targets, link accounts, and track success probability. Velocity gauges show if you're saving fast enough.
→10,000-path simulations, sampling methods, inflation presets. See your future as a probability distribution.
→Find harvestable losses and their estimated tax savings, and understand wash sale rules.
→Ask questions in plain English. Rikdom translates to SQL, runs it, and returns the answer with charts.
→A 0-100 score that flags anomalies in your spending. Detects when categories spike above your 90-day rolling baseline.
→Monthly income vs expenses, projected months, and a Sankey flow diagram that shows exactly where each month's money went.
→How many months your liquid assets last at current spending. What-if sliders let you model income and expense changes in real time.
→Compare converting traditional retirement accounts to Roth. Year-by-year tax impact, break-even timelines, and rate-based recommendations.
→Find your optimal claiming age between 62 and 70. Cumulative benefit comparison and direct Monte Carlo integration.
→Build a tax-efficient retirement drawdown plan. Compare conventional vs. Roth-first ordering with RMD enforcement.
→Download one page that says when you can stop working, your net worth at month end, and what moved it.
→Opt-in peer comparison across 8 KPIs. See how you compare to people in your income bracket — with differential privacy built in.
→Retired in September 2026, and this page explains what replaced it. The restraint became the default, so there is no longer a mode to switch on.
→A heatmap-style calendar of your spending. Click any day to see transactions, categorize in place, and spot spending patterns.
→Common questions
It's just me, and I actually read every message.