Built by a CFA Charterholder · Always Free

Finally take investing
seriously. Without
the confusion.

You've saved money. Now what? OraFi shows you exactly where you stand, where you're headed, and what to do next. Free. Built by a CFA Charterholder.

No credit card. No conflicts. Built by a CFA Charterholder.

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Built by a CFA Charterholder
No ads. No commissions.
Always free
Plain English. No jargon.

How It Works

Three things. One clear picture.

Most financial apps show you where your money went. OraFi shows you where it's going — and how to make sure it gets there.

01
Picture

Add your accounts and see your complete financial life in one place. Net worth, investments, savings, and debt — with a clear benchmark showing exactly how you compare to peers your age and income level.

Complete Financial Snapshot
02
Path

Set your real goals — a home, retirement, financial independence — and see the precise path to each one. Your timeline drives your strategy. OraFi shows what it takes monthly to get there and whether you're on track.

Goal-Based Planning
03
Options

Understand exactly what investment options match your goals and timeline. Low-fee funds, savings rates, risk levels — laid out plainly and compared side by side. No jargon. No commissions. Just clarity.

Unbiased Investment Education

The App

Three tabs. One complete financial picture.

Picture shows your real net worth and how you compare to peers your age. Path tracks your goals with live progress. Options explains your investment choices in plain English.

OraFi Picture screen
PICTURE

Your real net worth, sparkline chart, and peer benchmark — all in one place.

OraFi Path screen
PATH

Real goals with live progress, retirement projection, and total savings summary.

OraFi Options screen
OPTIONS

Investment options explained in plain English with expense ratios, returns, and OraFi Insights.

Get Free Access — No Credit Card

Free forever for founding members

Interactive Preview

Tap the tabs below to explore each screen.

9:41●●● WiFi
OraFi
JD
Picture
Path
Options
Total Net Worth
$187,420
↑ +$4,210 this month
Ahead of 68% of peers your age.
Fidelity 401(k)
$94,200
Schwab Brokerage
$52,100
Marcus HYSA
$41,120
Explore the Full Interactive Preview →

Tap all three tabs — Picture, Path, and Options

Why Join Now

Built for people who are ready
to take control.

Joining today is not just getting on a list. It comes with real benefits.

🔒
Free Forever
Founding members never pay — even when a premium tier launches. Lock in free access today.
📱
Early Access
The app is in active development. Join now to get early access and help shape what gets built next.
💬
Shape the Product
Your feedback directly influences what gets built. This is your tool — help make it right.

The OraFi Framework

Your timeline
changes everything.

Most people invest without knowing their horizon. A 2 year goal and a 15 year goal require completely different strategies — different risk levels, different accounts, different funds.

OraFi maps each of your goals to the investment approach that actually fits. Not generic advice. A specific framework built around your specific timeline.

This is how institutional investors think. Now it's how you think.

Investment Horizon Guide
0–2 yrs
Capital preservation
2–5 yrs
Moderate growth
5–10 yrs
Growth oriented
10+ yrs
Full growth
OraFi is being built to match your investment options to your specific goal timeline — so you always know what makes sense for your situation.

Know Where You Stand

68%
of peers your age and income

"At 34 with $187,000 saved, you're ahead of most people in your position — but your current allocation may be leaving significant returns on the table."

Behind peers You are here Top 10%

Join the Waitlist

Your money should be
working harder than it is.

Most people with money saved have no idea if they're actually on track. OraFi tells you exactly where you stand, matches every dollar to a specific goal, and explains your investment options without trying to sell you anything.

Get Free Access — No Credit Card

Free forever for founding members · No conflicts · Built by a CFA Charterholder

From The OraFi Blog

Financial clarity,
in plain English.

Written by a CFA Charterholder. No jargon. No conflicts. Just insight you can actually use.

Research & Data
Federal Reserve SCF 2022: Median Retirement Account Balances by Age

The Federal Reserve's 2022 Survey of Consumer Finances shows exactly what Americans have saved for retirement by age group — and why median matters more than mean.

8 min read →
Investing Fundamentals
The Three Fund Portfolio — What It Is, How to Build It, and Which Funds to Use

Three index funds. One simple strategy. A CFA Charterholder breaks down the three fund portfolio, how to allocate by age, and which funds to use at Vanguard, Fidelity, and Schwab.

10 min read →
Retirement Planning
How Much Should You Have Saved for Retirement by 28

At 28 you have 37 years of compounding ahead. A CFA Charterholder breaks down the benchmarks, the goals-based framework, and why starting now is worth $365,000 more than waiting until 33.

9 min read →
View All Posts →
12 articles · All free · Written by a CFA Charterholder