The financial planning app that maps your money to your goals

Set goals like retirement, a home, or financial independence, and connect the accounts you already have. See how much you need, what to put in, and whether you are on track. No advisor, no moving your money.

Start free

Investing

Enrich is a financial planning app for DIY investors. Set goals like retirement or a home, map your accounts to each, and Enrich shows what to contribute and whether you're on track, without an advisor or moving your money.

Because giving each goal its own plan tends to lead to clearer decisions than managing one big pot of money.

Retirement, a home, and your kids’ college are different jobs with different timelines, so treating them as one lump makes it hard to tell what is actually on track. One Morningstar analysis estimated that organizing money by goal rather than a single pool improved a hypothetical household’s outcomes by about 15% on a utility-adjusted basis, roughly the same as adding 1.65% in return per year (Blanchett and Kaplan, 2013).

Other research suggests that focusing on the likelihood of achieving each goal, rather than on daily market swings, can help people stay invested and avoid bias-driven mistakes (goals-based investing research).

Goal-based planning in Enrich is completely optional. If you would rather keep one overall portfolio, you can, and Enrich still tracks your allocation, drift, and taxes across everything.

Can you map specific accounts and investments to a goal?

Yes. Assign a whole account to a goal, or map individual holdings within an account to different goals

You do not have to keep one goal per account. A single brokerage account can have some holdings working toward retirement and others toward a home, and several investments across accounts can all feed the same goal. Each goal can also have its own target allocation, because a goal 5 years away usually calls for a steadier mix than one 25 years away. First, connect your accounts, then assign what belongs where.

Set recurring contributions, add one-time amounts like a bonus, and Enrich folds them into each goal’s projection.

You can schedule regular contributions per account and per goal, with optional step-ups over time, and model one-time events such as a bonus or a vesting date. Enrich applies IRS contribution limits, including age-based catch-ups, to accounts such as IRAs, 401(k)s, and HSAs, and warns you if a plan exceeds them. When contributions exceed the limit, it models the excess in a taxable account so your projection stays realistic.

Enrich labels each goal on track, at risk, or off track, and tells you when something changes.

Every goal shows a clear status based on your real accounts, your target, and your contributions. If a goal slips, you get an alert, along with the drift, idle-cash, and tax prompts that help you act (see Rebalancing & Alerts).

Can you plan for spending the money, not just saving it?

Yes. You can model how you will draw down from your portfolio when the time comes.

For each goal, set a withdrawal plan that fits it: a one-time withdrawal for a home down payment, a set amount each year for a few years of college, an ongoing income in retirement, or an open-ended drawdown with no fixed end date. That way, the plan reflects both putting money in and taking it out.

Do you need to drop my advisor for this?

No. If you have a financial advisor, keep them. Enrich provides a capability to see your connected accounts and how each of your goals are progressing for a flat fee, with you in control. Many of our users have both an advisor and subscribe to Enrich to inform them when they aren’t speaking with their advisor.

You keep your accounts and place any trades yourself. There is no percentage-of-assets fee and no one is selling you products (how Enrich compares to an advisor, pricing).

Need Answers?

Frequently asked questions

What is goal-based investing?

Goal-based investing means giving each financial goal, such as retirement, a home, or college, its own plan, instead of managing one big pot. It makes it easier to see whether each goal is funded and on track. In Enrich, it is optional.

Do I have to split my portfolio into separate goals?

No. Goal-based planning is optional. You can keep one overall portfolio, and Enrich still tracks your allocation, drift, and taxes across everything.

Can Enrich tell me how much I need for retirement or college?

Yes. Built-in calculators estimate how much each goal needs, using current costs and inflation, and show whether you are on track to reach it.

Can I map specific investments to a goal?

Yes. You can assign a whole account to a goal, or map individual holdings within an account to different goals, and several investments can feed the same goal.

Can Enrich plan for withdrawals, not just saving?

Yes. You can model drawing a goal down as a one-time withdrawal, a set amount over several years, ongoing income, or an open-ended drawdown.