Features

Each module asks a few questions, compares your realistic options, and explains what each one costs you.

• College ROI

  Compare schools by real cost, debt, and earnings outcomes.

• Credit Cards

  A starter card that fits your credit and spending.

• Banking

  Stop leaving interest on the table with the right account.

• Budget

  See where your money goes and your true savings rate.

• Loans & Mortgages

  What home or car actually fits your budget, before you borrow.

• Investing Basics

  Accounts, compounding, and your next move, in plain English.

• Insurance

  What coverage you actually need, minus the sales pitch.

• Taxes

  Brackets, marginal vs. effective rate, and your real tax bill.

• Pension & Annuities

  Lump sum or monthly income? See the trade-off in plain English.

• Estate Planning

  Who decides, and who inherits, if you can't say so yourself.

• Career & Income

  The other half of the equation: earning more, not just spending less.

• Financial health score. One score per module across four dimensions, so you can see which area is dragging and why.
• Net worth tracking. Assets against debts, updated as your numbers change.
• Score simulator. Change an input and watch the score move before you change anything in real life.
• Forecast and FIRE projection. Where your current trajectory lands, with the assumptions stated on the page.
• Goals and to-dos. Turn a recommendation into a short list of next steps.
• Monthly checkups. A recurring pass over what moved and what to look at next.

Cipili does not hand you a figure and ask you to trust it. Each recommendation carries the inputs it used, the assumptions behind it, and a confidence level. Change an assumption and the number changes with it.

Recommendations are ranked by fit to your situation. Nothing is ranked by what a partner pays us.

A high schooler comparing colleges and someone five years from retirement should not see the same dashboard. Onboarding adapts to your life stage and orders your modules by what actually matters right now.