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.

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Investing

Enrich is a financial planning app for DIY investors. Set goals such as retirement, a home, or financial independence, and map your existing accounts and investments to each one. Enrich estimates how much you need, shows what to contribute, and tracks whether each goal is on track, all without moving your money or hiring an advisor.

Your money feels like a junk drawer

Give every dollar a job

Pick a number and a date

Each goal gets its own game plan

See your strategy at a glance

Start with battle‑tested strategies

Not sure where to start? Take the quiz

Prefer to pick your own strategy?

Or auto-organize holdings into smart buckets

See how your portfolio is really doing

Put your savings on autopilot

We watch your portfolio for you

Know which goals are on track

Clear, read‑only rebalance suggestions

401k here, IRA there, random brokerage logins and spreadsheets everywhere. Enrich pulls the mess into one simple view, organized by the goals you actually care about.

Instead of one giant pile, tell Enrich what each chunk of money is for—retirement, a home, kids, FI. When every dollar has a job, it's way easier to see if you're on track.

Choose how much you're aiming for and when you'll need it. Enrich shows whether you're roughly on track, and which levers you can tweak—savings, risk, or timeline.

Saving for a house in 3 years is not the same as retirement in 30. Enrich lets each goal have its own strategy, timeline, and risk level—no one-size-fits-all portfolio.

See exactly how your portfolio is allocated across asset types, regions, and styles. No black boxes — full transparency.

Browse a library of diversified strategies built around different goals and preferences. Pick one that fits how you like to invest, then customize it as much—or as little—as you want.

Answer a few quick questions about your comfort with risk and timelines. Enrich suggests a strategy that fits your answers, so you're not guessing in the dark.

Use Enrich's framework but choose the exact ETFs and funds you want. Build a custom portfolio and still keep everything mapped to your goals and target allocation.

Group your investments by asset type and their factors—geography, market cap, credit rating, and more—and set target percentages for each. Enrich tracks how close you are to your targets, with look-through data from Morningstar®

Get a snapshot of risk, return, diversification, and how your portfolio compares to common benchmarks. Use the numbers to tune your strategy. No spreadsheets required.

Tell Enrich how much you add each month and to which goals. We project where you're headed so you can see how consistent contributions move you toward your targets.

Enrich flags goal status changes, idle cash, drifts from your target mix, and tax-loss harvesting opportunities. You get a heads-up when something needs attention, instead of finding out by accident.

See each goal labeled clearly: on track, at risk, or off track. If something slips, Enrich helps you explore adjustments to contributions, timing, or risk so you can course-correct.

When it's time to rebalance, Enrich shows you which moves would bring you closer to your targets and why. We stay read‑only—you review the suggestions and place any trades yourself in your own accounts.

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Why does goal-based planning help?

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.

How do you set up a goal?

Pick a goal, a target amount, and a date, and Enrich estimates what it will take to get there.

Not sure of the number? Built-in calculators for retirement, college, a home, or a car pull in current costs and historical cost growth, factor in inflation, and estimate how much you may need. You set the date and the amount, and Enrich shows whether you are ahead or behind.

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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.

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How do you fund a goal?

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.

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How do you know if you are on track?

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).

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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.

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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.