Financial Tools that Include You

In too many neighborhoods, traditional banking has failed, leaving 63 million Americans burdened with predatory options or nothing at all. Econofi Calculator is a voice-first financial wellness platform: a free mobile app for individuals and white-label technology for Minority Depository Institutions. Users speak calculations in English or Spanish, set budgets based on their life stage, and receive AI-powered coaching that connects everyday transactions to their financial goals. No bank account required, no subscription fees, no judgment. We're not bringing people into a broken system - we're building tools that work for everyone from the start.

Financial Infrastructure That Works Both Ways

CRA Documentation That Generates Itself

90% reduction in annual CRA reporting time: 80 to 120 hours → 8 to 12 hours

Are you a MDI or Community Bank?

See How It Works
One platform. One action. Two impacts.

The Interaction

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A community member sets up a budget, completes a financial education module, or logs a savings goal.

The Individual Impact

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Build financial capability.
Budget discipline formed.
Saving habits take hold.

The Institution Impact

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The interaction is logged in real time, mapped to 12 CFR §228.12(h)(2), and added to the institution’s examiner-ready CRA documentation package. Automatically. Without a single hour of manual reporting.

Econofi is the only compliance automation platform that converts customer financial wellness activity into examination-ready CRA documentation in real time. Every financial education module completed, every budget session logged, every savings goal set by a customer or community member maps automatically to 12 CFR §228.12(h)(2). That provision has defined qualifying CRA community development activity across six administrations and 30 years of regulatory history.

The result is a continuous, timestamped documentation record that builds from the day of deployment forward. Not a retrospective reconstruction assembled before an examiner arrives. A program record with verified LMI status, confirmed assessment area geography, and documented service quantity: the three dimensions a CRA examiner evaluates.

One platform. Two impacts. The community member builds financial capability. The institution builds its examination position.

 This is not two products. This is one system with two beneficiaries.

MDIs and Community Banks are invited to learn more about how we document your CRA community development service.