How HeyRich Works.
Discover how Rich combines Singapore regulatory training, advice designed by a renowned financial expert, persistent conversation memory, and automated net worth tracking into one seamless financial dashboard.
Rich: Trained Specifically for Singapore & Tailored to You.
Rich is not a generic chatbot. He is a specialized financial intelligence model trained on Singapore regulations, real-time market data, and decades of financial leadership.
Singapore Regulations & Global Data
Rich is built around Singapore MAS regulatory guidelines, CPF allocation structures, SRS tax optimization rules, and has real-time access to the entire universe of global financial markets.
Designed by a Financial Expert
Conceived and engineered by a renowned financial expert and industry pioneer who built major licensed financial institutions. Rich reflects a battle-tested wealth philosophy: eliminating hidden fund management fees, securing liquid safety buffers, and compounding through low-cost passive index growth.
Passing CMFAS Advisory Exams
Rich is engineered to be the first AI personal advisor to pass all Singapore financial advisory examinations (CMFAS Modules 5, 8, 9), guaranteeing gold-standard compliance and rigour.
Persistent Self-Learning Memory
Rich self-learns and remembers every past financial discussion, statement upload, and goal milestone. Over time, his advice becomes uniquely tailored specifically to your life.
"Most financial advice is polluted by product commissions and high fund management fees. Rich was built to give every individual clear, bank-grade financial guidance with total transparency."
The 4-Bucket Framework & 3 Input Methods.
Track your full net worth automatically. Categorize wealth into 4 clear buckets, input data flexibly via 3 methods, and capture monthly expenses against a smart budget.
The 4 Net Worth Buckets
Click a bucket to explore how Rich structures your wealth allocation.
Cash Bucket (Liquidity Buffer)
Keep 3 to 6 months of living expenses in high-yield, easily accessible liquid accounts. This provides psychological peace of mind and ensures you never have to sell long-term investments during market dips.
3 Ways to Build Your Balance Sheet
Manual Balance Sheet Input
Single-click inline editing directly on the interactive spreadsheet balance sheet. Update asset values or add custom rows in seconds.
Spreadsheet File Upload
Drag and drop Excel (.xlsx) or CSV files. Rich automatically parses transaction rows using ExcelJS and Claude 3.5 Sonnet to populate asset history.
Bank Statement PDF Parsing
Upload PDF or image bank statements. Rich extracts line items, detects recurring subscription charges, and automatically maps balances to net worth buckets.
Expense Capture & Target Budgeting
Rich automatically categorizes spending across groceries, utilities, dining, and subscriptions. Real-time notifications alert you if monthly expenses approach your target budget threshold.
"Rich: You have S$1,380.00 remaining in your budget buffer for this month."
Coming Soon Features 🚀
We are constantly expanding Rich's capabilities. Here is a preview of the upcoming features launching soon on our platform.
Native Apple & Google Applications
Native iOS (App Store) and Android (Google Play) mobile applications featuring biometrics, real-time balance sheet sync, push notification insights, and offline viewing.
Automated Push & Email Expense Tracking
Zero-effort passive expense tracking. Rich will securely parse incoming transaction push notifications from bank apps and e-receipt transaction emails to log spend instantly.
Ready to Talk to Rich?
Start building your 4-bucket net worth balance sheet and receive unbiased, bank-grade advice today.