Connect by choice
Choose which supported financial accounts to connect through Plaid. You can explore the public calculator without connecting anything.
Learn moreHow it works
Your real life.
A fuller financial picture.
A little clarity can make a big difference. Riki helps you understand your money before you take your next step.
Start in the appYour next chapter starts with a clearer picture.
Your next move,
in three steps.
- 01
Understand your cash flow
Income, spending and rent—in one picture.
Choose which supported accounts to connect through Plaid. See how money comes in, goes out, and changes over time.
- 02
See what you could afford
Explore a payment that fits your life.
Make room for recurring bills, your existing housing payment, savings, and a cushion. An estimate is a starting point, not an offer.
- 03
Explore prequalification
Continue your loan journey in the app.
Review your next steps and record your interest. Any lender handoff requires your separate authorization; only a lender can make an approval decision.
Understand what’s there
See available income and spending patterns, recurring obligations, and what remains. Data can be incomplete or change as history updates.
Learn moreStay in control
Review the purpose, recipient, and included information before authorizing any future lender handoff.
Learn moreA few good questions.
How does cash flow help me explore a loan?
Cash flow shows how money comes in and goes out over time. Income, recurring bills, rent payments, and what remains can help you understand how a new payment might fit. Lenders may also review credit, income documentation, the property, and their own program requirements.
Is prequalification a loan approval?
No. Prequalification is an initial estimate based on available information. It is not a loan offer, commitment to lend, or final approval. A lender must verify your information and complete its underwriting process.
How is my financial information used?
With your permission, connected-account data helps Riki organize your cash flow and prepare your financial picture. You choose whether to connect accounts and authorize sharing. Learn more on our privacy & security page and in our Privacy Policy.