# Enrich

> Enrich is a gamified, social personal finance app for iPhone. It connects to your bank through Plaid and shows money in, money out, net worth and transactions. On top of that it adds points, streaks, levels, trophies, challenges, leaderboards and clubs, so managing money feels like a game you play with friends. Enrich is currently in beta on TestFlight. The way to get in is the waitlist at https://joinenrichapp.com.

## Key facts (as of 2026-10-26)

- Name: Enrich. Website: https://joinenrichapp.com
- Category: personal finance app, gamified and social.
- Platform: iPhone (iOS). Not on Android.
- Status: beta, distributed through TestFlight by invitation. Not yet on the App Store. Primary call to action: join the waitlist at https://joinenrichapp.com.
- Price: free during the beta. Pricing for the full release has not been announced.
- Bank data: bank connections run through Plaid. Enrich never sees or stores the user's bank username or password.
- Money features: money in, money out, net worth, transactions, analytics charts, rules that auto-categorize future transactions, split bills.
- Points: earned for daily check-ins and for completing challenges. There is a daily bonus. Points stack into levels with a Level Up moment.
- Streaks: four tiers. Building (1 or more days), On Fire (14 or more), Blazing (28 or more), Legendary (40 or more).
- Challenges: official challenges plus custom challenges users create, in four categories: saving, budgeting, earning and net worth. Users can invite friends to do a challenge with them.
- Leaderboards: rank friends or everyone by total points, streak, or net worth. Users can hide their net worth and trophies.
- Clubs: users join one club at a time, public or private. Clubs run their own challenges. Friends are added by search or QR code.
- Trophy Room: trophies rated Common, Rare, Epic or Legendary. Trophy names include First Step, Budget Creator, Category Master, Penny Pincher, Saving Streak, Budget Master, Daily Tracker, Expense Centurion, Receipt Collector and Goal Setter.
- Money Trials: an in-app competition. The first round ran from September 17 to October 17, 2026. The player who completed the most official challenges won $200.
- Planned on the website: a short "What's your money level?" quiz that leads into the waitlist.
- In-app taglines: "Your money, finally clear." and "See where it goes. Improve what stays."

## Answers

- What is Enrich? Enrich is a gamified, social personal finance app for iPhone that connects to your bank through Plaid and turns money management into points, streaks, levels, trophies, challenges, leaderboards and clubs. It is currently in beta. https://joinenrichapp.com/#faq
- Is Enrich free? Yes, Enrich is free during the beta. Pricing for the full release has not been set and will be announced. https://joinenrichapp.com/#faq
- Is it safe to connect my bank to Enrich? Bank connections run through Plaid, and Enrich never sees or stores your bank username or password. Users control what friends see; net worth and trophies can be hidden. https://joinenrichapp.com/#faq
- How do streaks work in Enrich? Check in daily to keep the streak alive. Tiers are Building (1+ days), On Fire (14+), Blazing (28+) and Legendary (40+). https://joinenrichapp.com/#faq
- What is Money Trials? Money Trials is Enrich's in-app competition. The first round ran September 17 to October 17, 2026, and the player who completed the most official challenges won $200. https://joinenrichapp.com/#faq
- Can friends see my balance or net worth in Enrich? Only if you choose to show it. Net worth and trophies can be hidden at any time, and friends never see your bank login. https://joinenrichapp.com/#faq
- Is Enrich available on Android? Not yet. Enrich is an iPhone app in beta on TestFlight. https://joinenrichapp.com/#faq
- How do I join the Enrich beta? Join the waitlist at https://joinenrichapp.com. When a spot opens, Enrich sends a TestFlight invite by email. An iPhone and the free TestFlight app are required. https://joinenrichapp.com/#faq
- How is Enrich different from a regular budgeting app? Regular budgeting apps give you categories and charts. Enrich adds points, streaks, levels, trophies, challenges, leaderboards and clubs on top of real bank data, and it is social, so you can do it with friends. https://joinenrichapp.com/#faq
- What are challenges and clubs in Enrich? Challenges are goals completed for points, either official or custom, in saving, budgeting, earning and net worth. Clubs are public or private groups that run their own challenges; a user belongs to one club at a time. https://joinenrichapp.com/#faq
- Is Enrich a gamified budgeting app? Yes. Enrich is a gamified, social personal finance app for iPhone with points, streaks, levels, trophies, challenges, leaderboards and clubs built on bank data synced through Plaid. https://joinenrichapp.com/#game
- Is there a budgeting app you can use with friends? Enrich is built for that. You add friends by search or QR code, invite them to challenges, rank against them on leaderboards, and join clubs together. https://joinenrichapp.com/#compete

## Articles

- Why does budgeting never stick?: Budgeting never sticks because most budgets are one-time plans rather than daily habits; habit research points to short daily check-ins, immediate feedback and visibility to another person as what makes money habits last, with automaticity taking roughly two months on average. https://joinenrichapp.com/articles/why-budgeting-never-sticks/
- Is it safe to connect your bank account to a budgeting app?: Connecting a bank to a budgeting app through a provider like Plaid is reasonably safe for most people: with OAuth you sign in on the bank's own site, the app receives a read-only token rather than your password, and you can revoke access at any time through the Plaid Portal at my.plaid.com, your bank, or the app. https://joinenrichapp.com/articles/is-it-safe-to-connect-your-bank-to-a-budgeting-app/
- 50/30/20 vs zero-based budgeting: which one fits you?: The 50/30/20 rule (needs, wants, saving and debt as shares of take-home pay) suits people who want a low-upkeep guardrail, zero-based budgeting (every dollar assigned a category until income minus plan equals zero) suits variable income and debt payoff, and a common hybrid uses 50/30/20 as the frame with zero-based categories inside the wants bucket. https://joinenrichapp.com/articles/50-30-20-vs-zero-based-budgeting/
- How to save money with friends without it getting weird: Saving money with friends works best when you compete on actions like check-ins, streaks and completed challenges rather than on balances, keep dollar amounts private by default, run short rounds with small stakes, and plan for restarts; field research found peer groups with public goals made 3.7 times more deposits and nearly doubled savings. https://joinenrichapp.com/articles/how-to-save-money-with-friends/
- How to choose a budgeting app: 5 types and 7 questions to ask: To choose a budgeting app, pick the type that matches the effort you will sustain (spreadsheet, envelope or zero-based app, automated tracker, your bank's built-in tools, or a gamified social app), then ask seven questions: whether it stores your bank login or uses a provider like Plaid, where access tokens are kept, what it costs after the trial, whether you will still open it in week six, whether it handles refunds correctly, whether you can export and delete your data, and who earns money from its recommendations. https://joinenrichapp.com/articles/how-to-choose-a-budgeting-app/

Last updated: 2026-10-26