Worthy vs Richify
A private alternative to Richify that keeps your finances on your phone
Worthy
CA$24.99
One-time purchase. Free for up to 5 assets.
Richify
CA$49.99/yr
or CA$9.99/mo; free tier with limited assets
| Total cost | Worthy | Richify |
|---|---|---|
| After 1 year | CA$25 | CA$50 |
| After 3 years | CA$25 | CA$150 |
| After 5 years | CA$25 | CA$250 |
Based on Richify's CA$49.99/yr plan at today's price. Prices in CAD.
What Richify is, honestly
Richify is an AI personal-finance app for iOS and Android from Richify AI Inc., a US company with an operating entity in Turkey, founded in 2025. It is built around "Felix", an AI CFO that leads a set of specialist AI agents, alongside net worth tracking, goals, what-if scenarios and a library of calculators.
Like Worthy, it does not link to your bank: you enter accounts yourself or upload statements and holdings files for its AI to categorise. It needs an account, stores data in the cloud (including Turkey and the US), and its privacy policy lists third-party AI providers among the services that receive data. Full use is a subscription, listed at CA$9.99 a month or CA$49.99 a year on the Canadian App Store, with a limited free tier.
Both apps skip bank linking and both support Canadian accounts such as RRSP, TFSA and FHSA. The real difference is where your data goes: Richify's AI runs on your data in the cloud, while Worthy keeps everything on your device and has no AI at all.
Where Richify wins
Real strengths, no hedging.
An AI coach to talk to
Ask questions about your finances in plain language and get guidance from its AI agents.
Statement and holdings import
Upload files and let its AI categorise them, instead of typing every balance in.
Planning extras
Goals, what-if scenarios, a financial health score, mortgage rate monitoring and dozens of calculators in one app.
Where Worthy wins
Also no hedging.
Your data stays on your device
No cloud copy of your finances and no third-party AI providers processing them.
No account needed
Open the app and start. There is nothing to sign up for or close later.
One-time price
CA$24.99 once, with a free tier for up to 5 assets, instead of a monthly or yearly subscription.
Updates itself without AI
Stock, ETF and crypto prices refresh automatically, mortgages amortize on schedule and savings accrue interest.
Side by side
| Feature | Worthy | Richify |
|---|---|---|
| One-time purchase (no subscription) | ||
| No bank connection required | ||
| Data stays on your device | ||
| No account required | ||
| TFSA, RRSP & FHSA tracking | ||
| AI chat & financial coaching | ||
| Import from statements |
Which one is for you
Choose Worthy if
- You want your financial data kept off the cloud and away from AI providers
- You don't want another account to sign up for
- You want a focused net worth tracker for a one-time price
Choose Richify if
- You want an AI coach to chat with about your money
- You want to upload statements instead of entering balances
- You want goals and what-if planning in the same app
Switching from Richify
- 1
Note your current balances
You only need today's numbers to start: each account, investment, property and debt.
- 2
Add them to Worthy once
Stocks, ETFs and crypto update their prices automatically, mortgages amortize on schedule and savings accrue interest, so most numbers stay current without any bank connection.
- 3
Backfill the history you care about
Add past values month by month on the history timeline, so your net worth chart shows the journey you were on before you switched.
Richify vs Worthy FAQ
What is the difference between Worthy and Richify?
Neither links to your bank. Richify is built around an AI coach and stores your data in its cloud, with a subscription for full use. Worthy is a focused net worth tracker that keeps everything on your device, needs no account, keeps prices, mortgages and interest current automatically, and is a one-time purchase.
Is Richify better for some people?
Yes. If you want an AI coach to chat with, what-if planning, or to import statements instead of typing balances, Richify offers that and Worthy does not.
Does Worthy use AI or send my data to AI providers?
No. Worthy has no AI chat, and your financial data stays on your device. Its analytics are transparent (you can see every event in Settings) and never include your balances or net worth.
How much does Worthy cost compared with Richify?
Worthy is a one-time purchase of CA$24.99, with a free tier for up to 5 assets. Richify lists CA$9.99 a month or CA$49.99 a year on the Canadian App Store.