Let’s make
things clearer.

Start in the Riki app. Connect the financial account you choose, review your financial picture and explore your next step.

Riki stands for Residual Income Knowledge Index. It uses cash-flow patterns to help you understand your ability to pay and explore loan options.

Cash flow is the money coming in and going out. What remains after your regular expenses helps you understand the room in your budget.

Rent is part of your regular financial commitments. Reviewing housing payments alongside income and other expenses adds context to your financial picture. This does not mean that payments are automatically reported to credit bureaus.

Look at income patterns, recurring obligations and what remains after expenses. These insights can help you understand how a new payment might fit your budget.

No. It subtracts the spending and cushion you enter from your monthly income. The result is a budget estimate, not a loan offer, Riki Score or borrowing limit.

Explore personal loans, home purchase, mortgage refinance and home equity. Availability and terms depend on the loan and your eligibility.

Riki puts cash flow and ability to pay at the center. Individual loan programs may also consider credit history and other eligibility requirements.

There is no single maximum across all loan options. The amount depends on the product, your financial picture, the property where applicable and underwriting requirements.

Ask about cash flow and loan options. Do not enter bank passwords, account numbers or Social Security numbers into this website’s chat.

Choose New chat in Ask Riki or reload the page to clear this browser’s conversation.

Read the connection permissions and privacy information presented in the app. Understand the information requested before choosing what to share.