Meet Ribbit — your financial sidekickYou’re not behind.
You just don’t have
a next move.
WeLeap finds the money sitting idle in your accounts and shows you the single move that does the most — 401(k) match, HYSA, Roth, or debt. You approve it. That’s a Leap.
Capture your full 401(k) match
You’re deferring 3%. Your employer matches every dollar up to 6% — you’re leaving half of it on the table.
by age 60
Your money isn’t lazy.
It’s just unassigned.
You’re earning. You’re saving a bit. But it sits in checking doing nothing while you scroll conflicting advice from people who don’t know your numbers.
don’t have a clear, complete view of their finances in one place
feel very confident about basic financial concepts
rarely or never use financial tools to manage their money
Source: WeLeap Financial Needs Survey.
What people said when they saw it.
A lot of times I know I should be doing more, but I don’t know exactly what.
Everyone I hear is just like “max out your account” — okay, but what does that even look like? … it was like a coach almost.
It meets you where you are and explains where you could be if you put some steps in place…
My thoughts were always I just put things in savings and then I didn’t know what to do with it after that…
It’s just an easy way to say: this is how much money I’m making, I don’t know what to do with it, just help me figure out what to do with it.
Quoted from moderated user research sessions. Participants were compensated for their time.
Three steps. Then one decision a week.
Connect your accounts
Two minutes, read-only, bank-level security through Plaid. We never touch your money.
Ribbit finds your Leap
He reads your whole picture — cash, debt, 401(k), goals — and ranks every option to find the one that does the most.
You approve it
See the move, the dollar impact, and exactly what changes — before and after. Tap confirm, or edit it. Nothing happens without you.
Not advice. A specific move, with a number on it.
Every Leap tells you exactly what to do, what it’s worth, and why it beat the alternatives.
Capture your 401(k) match
You’re at 3%, they match to 6%.
Move $4,200 to a HYSA
It’s earning 0.01% in checking today.
Hit the 22% APR card before investing
No portfolio reliably beats 22%.
Open a Roth IRA at $200/mo
Tax-free growth, and you’re early.
Or just ask, in plain English.
No jargon, no lecture about your coffee. Ribbit answers using your actual numbers.
Illustrative answers. Ribbit uses your real numbers once your accounts are connected.
Here’s where this actually goes.
In 40 years, at $500 a month
You put in $250K. Compounding does the other $1.1M.
That gap is the plan. Protecting it is Ribbit’s whole job.
Illustrative: $10,000 starting balance, $500/month, 7% average annual return, versus 0.4% in checking. Not a forecast — your numbers will differ.
Try the math before you trust us with anything.
Answer the question you're actually facing, in under a minute. No account, no email wall.
Money help that won’t make you feel like an idiot.
No shame about your spending, your debt, or how late you think you started.
Ribbit drafts the move and shows the math. You decide. Nothing is automatic.
Not to advertisers, not to lenders, not to anyone. Read-only access via Plaid.
We don’t make money steering you into products you don’t need.
The stuff you’re actually wondering.
WeLeap is a personal finance app built around an AI financial sidekick called Ribbit. You connect your accounts and Ribbit looks at the whole picture — cash, debt, 401(k), goals — then names the single move worth making next, called a Leap. It is not a budgeting app: it does not categorise last month's spending, it tells you what to do with the next dollar. It is free during early access, and the calculators need no account at all.
Find out what your money should be doing.
Connect your accounts and get your first Leap in about two minutes.
Free to start · No card · Cancel whenever