Your AI Financial
Operating System
One trusted intelligence layer for your accounts, cash flow, investments, goals, loans, insurance, taxes and wealth decisions — where every figure carries its source, and missing information is shown as missing.
How Ritsora presents a figure
Illustrative demo — no personal financial data shown.Recorded
Directly supported by financial records you entered or imported.
Calculated
Derived transparently from recorded inputs using a fixed, published method.
Estimate
Based on explicit assumptions, which are always stated alongside the figure.
Scenario
A hypothetical “what if” outcome. It is a projection, never a prediction.
Ritsora: Your emergency fund cover cannot be calculated yet — monthly essential expenses are not recorded. Add them and this becomes a Calculated figure.
Example response. Ritsora never turns missing information into a fake number.
The operating system
Every part of your financial life, in one place
Six connected domains sharing one canonical financial context — so a number never changes meaning between screens.
Money
- Cash Flow
- Budget
- Emergency Fund
- Debt & Loans
Wealth
- Portfolio
- Mutual Funds
- Stocks
- Fixed Income
- Wealth Allocation
Goals
- Goal Planning
- Goal Probability
- Retirement
- Education
- Major Purchases
Protection
- Insurance
- Protection Gap
- Family Financial Planning
Intelligence
- Ask Ritsora
- Daily Briefing
- Financial Health
- Scenario Analysis
- Financial Reports
Professional
- Advisor Workspace
- Client Profiles
- Portfolio Review
- Client PDF Reports
Ask Ritsora
Not just an answer — a structured decision
Ritsora answers in a fixed structure so you can check its reasoning instead of trusting it blindly. Every figure is labelled, every assumption is stated, and every gap in your records is named.
Recommendation
What to consider, phrased as a suggestion.
Why
The reasoning, in plain language.
Numbers
Only figures supported by your records.
Assumptions
Anything assumed is written down.
Missing data
What is absent — never filled with a guess.
Confidence
One consistent scale across the product.
Example answer
Illustrative demo — no personal financial data shown.- Recommendation
- Reviewing your emergency fund before increasing monthly investing may be worth considering.
- Why
- A shorter cash buffer usually means market dips have to be funded by selling investments.
- Numbers
- Cash balance: Recorded. Essential monthly expenses: not recorded, so months of cover cannot be calculated.
- Assumptions
- Essential expenses are assumed stable month to month once recorded.
- Missing data
- Monthly essential expenses; insurance cover amounts.
- Confidence
- Low — key inputs are missing.
Trust by design
Built so you can check our work
Ritsora never turns missing information into a fake number. These are engineering commitments in the product, not marketing lines.
Privacy-first architecture
We do not sell or share your financial data for advertising. Payments are handled by Paddle as Merchant of Record, so we never store card numbers.
Owner-scoped financial data
Every financial record is scoped to its owner at the database level, and that scoping is covered by automated access-control tests.
Source-labelled information
Each displayed figure states whether it is Recorded, Calculated, an Estimate or a Scenario — one definition per metric, product-wide.
No fabricated numbers
When inputs are missing, Ritsora shows “Not recorded” or “Not enough data” instead of defaulting to zero.
Explainable AI outputs
AI answers must quote only recorded figures, state assumptions, and are checked against a trust boundary that blocks invented numbers and guarantee-style wording.
Security regression testing
Data-ownership, privilege and database-function checks run as an automated regression suite, so a fix stays fixed.
Missing-data transparency
Gaps are listed as gaps, with the exact records needed to close them — no silent substitutions.
Your records, your control
You enter or import what you choose, and you can export a report of it at any time.
One canonical context
Cash, portfolio, debt, protection and goals resolve from a single financial context, so screens agree with each other.
Analysis you can audit
Health scores and projections show their components and exclude anything that is not recorded, rather than penalising you for it.
Professional-grade output
Structured reviews, scenario comparisons and exportable reports for individuals, families and advisors.
Pricing
Simple monthly plans
Start free. Upgrade any time. Paid plans are recurring monthly subscriptions billed in USD and processed securely by Paddle (Merchant of Record).
Free
For individuals
Understand your money
- Unified dashboard
- Accounts, transactions, goals
- AI Copilot — up to 20 requests/day
- PDF financial report
- Multi-currency & multilingual interface
Pro
For individuals
Build your financial intelligence
- AI Copilot — up to 500 requests/day
- AI Portfolio Builder & Monitor
- Tax planner & Insurance analyzer
- Retirement Monte-Carlo simulator
- Higher daily AI allowance
Family
For one household
Plan together
- Everything in Pro
- Up to 5 family members (one household)
- Shared goals & family events
- Household net-worth view
- Family financial education library
Advisor
For financial professionals
Serve clients at scale
- Everything in Pro
- Up to 100 client profiles (one advisor account)
- Professional PDF client reports
- Advisor dashboard & analytics
- Advisor AI workspace
Paid plans renew automatically until cancelled. Cancel any time — access continues until the end of the current paid billing period. See our Refund Policy.
Financial disclaimer
Ritsora provides financial information, analysis, planning tools and AI-assisted insights. It does not guarantee investment returns and does not replace a qualified financial professional. Financial decisions involve risk.