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
Financial Wellness is
Financial Inclusion.
The app built for those who have been overlooked by traditional banking.
Available now
Built for the Communities You Serve
Financial Wellness
for the Workforce
We started with a simple conviction: financial wellness should not be a luxury. Our mobile app gives workers and their families a personal budget planner, bill tracker, expense manager, and financial literacy coach, available in English and Spanish, voice-enabled, and designed for the smartphone already in their pocket.
We do not replace banks. We give people the skills and confidence to use them.
For worker centers, unions, and community organizations on the front lines of economic mobility, Econofi is the financial wellness layer you can offer your members today, with no IT investment and no cost to them.
"For millions of Americans, the paycheck arrives and it disappears."
Not because of bad decisions. Because of the system they were born into.
Rent, utilities, groceries, the phone bill, the car payment are all due before the next check arrives. No savings cushion. No emergency fund. No clear picture of where the money actually goes. And when the unexpected hits, a medical bill, a car repair, a missed shift, the only options left are a payday loan at 300% interest or asking family who cannot afford it either.
This is not a story about irresponsibility. It is a story about a financial system that was not built for everyone.
The unbanked and underbanked population in the United States, more than 63 million people, works hard, contributes to their communities, and deserves the same financial tools that everyone else takes for granted. Tools that help them understand where their money is going. Tools that explain financial concepts in plain language, and in their language. Tools that do not charge fees to access their own money.
FREE Public Resource
The SAR Narrative Library
CRA Documentation
Five agents that generate continuous,
examiner-ready CRA documentation — built on
§228.12(h)(2).
The provision that has held through six administrations and 30 years of
regulatory history. Add to TransactionMonitor when your institution is ready.
DATAGUARD | LENDSCOPE | CRACREDIT | COMPLIANCEGEN | EXAMPREP
CURRENT BSA/AML SPEND
AML software license $50k–80k/yr
50–60% false positive rate consumes Officer time.
Annual independent review $15k–35k/yr
Mandated outside review of the BSA program.
Exam preparation $20k–40k/cycle
Reconstruction in the weeks before each cycle.
TOTAL - ANNUAL $110k–230k/yr
TRANSACTIONMONITOR
Under 15% false positive rate.
Continuous monitoring — not periodic batch scans.
SAR narratives drafted with citations.
Your BSA Officer reviews, edits, files.
Immutable audit trail from day one.
Every alert, every disposition, every outcome.
Succession-proof.
The detection logic and history belong to the institution.ost alerts your Officer reviews will clear.
PRICING Less than you spend today.
90% reduction in annual CRA reporting time.
80 to 120 hours reduced to 8 to 12 hours.