Built to be useful, not to sell you a product.

Why Cipili is different

Three things, and they are all consequences of the same decision about how it makes money.

• —Ranking is fit to you only. Never by affiliate payout, and a better non-monetized option is never suppressed. Where an affiliate relationship exists, it is disclosed on the page.
• —Every number shows its work. Inputs, assumptions, formula version, and confidence. If a figure has no source we can cite, it does not ship to you.
• —The limits are explicit. Cipili does not do personalized investment, tax, or legal advice, and refuses rather than improvising when a question crosses that line.

Behavior-based scoring

A credit score measures one behaviour and is the only score most people have. The Financial Score covers savings, debt, credit, income, career, education, investments, insurance, housing, and taxes. Every component is scored against a published benchmark and carries its own explanation, so the number is something you can argue with rather than something you have to accept.

AI personalization

The AI reads your situation and explains it. It is fenced in by design: numeric claims come from Cipili's calculations rather than model recall, out-of-scope requests are refused by the application layer, and disclosures are attached by code rather than left to the model to remember.

Life-stage planning

Onboarding works out your stage, and that changes what you see: which components weigh most in your score, which modules appear and in what order, and which priorities come first. Someone comparing colleges and someone weighing a pension offer should not be handed the same checklist.

Actionable recommendations

The gap between knowing and doing is where most financial tools quietly stop. Cipili closes it by ordering recommendations by impact, showing what each is estimated to be worth, and turning them into a to-do list, a set of goals, and a monthly checkup that tells you what actually moved.

Built with the rules in mind, not around them

Financial data is encrypted in transit and at rest, access is row-level so only your account can read your records, and your banking credentials are never stored by Cipili. Account deletion and consent revocation are built-in features rather than support tickets. Every figure that reaches you is reproducible from versioned config and your inputs, which is what makes it defensible.