- No lender money. No bank, lender, card company or debt firm pays us.
- No data sales. Your information is never sold, rented or shared.
- No bank logins. You type in only what you choose.
- You choose. Every option side by side; we never call one “best”.
- Maths you can check. The method and worked examples are public.
- Free help first when money is tight.
Richer Road is planning software, nothing more
Richer Road shows you, on your own numbers, what’s left each month, when you’ll reach your goals, when anything you owe will be paid off, and what moves those dates. Everything it shows comes from the numbers you enter and the choices you make.
It isn’t a lender, a broker, a financial adviser or a debt management company. It doesn’t give financial, credit or legal advice, contact lenders for you, handle your money, or check or change your credit file.
How we make money
- One price for the full plan, paid once. No subscription and no renewals.
- No money from lenders, banks, card companies, brokers or debt firms. No ads. No referral fees.
- We never recommend products, so nobody can pay to be recommended.
- Some creators earn a commission when people they introduce buy the full plan. It doesn’t change your price, and they must tell their audience.
Your choices stay yours
We show every option side by side, in the same way. We never call one “best”. You choose the order you pay, how much extra you put in and what you try.
How the numbers work
What’s left each month is your take-home pay minus your spending and minimum repayments. A savings goal date is what you still need divided by what you put aside each month, rounded up. For anything you owe, each month interest is added, minimums are paid, then your extra goes to your debts in the order you chose. How the numbers work sets out the formulas and worked examples you can check yourself. A second, separately written model gives the same answer to the cent on every example.
Every result assumes your rates and repayments stay as you entered them. Fees aren’t included. A rate change is only included if you try one in the full plan’s What if? tools. Found a mistake? Tell us. We fix it and list it in our corrections log.
Privacy and security, in plain words
What we keep: your email address; the numbers you enter (income and spending, savings goals, bills, debts, rates and repayments); your currency; a daily total of what you owe and have saved, for your progress chart; the creator code you arrived with, if any; dates such as when you joined, confirmed your email, changed your email settings or upgraded; and, if you buy the full plan, the payment reference.
What we never ask for: bank logins, card numbers, passwords, ID documents, your name, your address, your date of birth or your employer.
Who sees it: only you. We never sell, rent, share or trade your information. Creators never see your email address or your numbers, only that a sale came through their link. Your numbers are never sent to any AI service, advertiser or data broker.
Who helps us run the service: our web host, Ethernet Servers, stores the site and its database; Brevo delivers our emails; and if you buy the full plan, Stripe takes the payment on its own secure page. Each gets only what it needs to do that job.
How we protect it:
- Encrypted connections (HTTPS) on every page.
- Sign-in by email link, so there’s no password to steal or reuse.
- Card details go straight to Stripe and never touch our site.
- Spam protection keeps only a scrambled form of your connection address, and it expires after an hour.
Your control: change anything at any time on your dashboard. “Delete my account” removes your email address and numbers straight away. “Download my data” gives you everything we hold about you as a spreadsheet. Every email has a one-click unsubscribe.
Cookies: a sign-in cookie, a 30-day cookie if you arrived through a creator’s link, and your currency choice saved in your browser. No advertising or tracking cookies. No visitor statistics cookies either.
If something went wrong: we’d tell the people affected and the relevant regulator promptly. The full detail is in our privacy policy.
When Richer Road isn’t the right tool
If your repayments don’t cover the interest, or rent, food or bills are at risk, talk to a free, independent service first. They can do things software can’t. Find free debt help. Richer Road shows this message whenever your numbers look tight.
Refunds
Not for you? Ask within 14 days of buying the full plan for a full refund. No questions.
Who runs Richer Road
Richer Road is run by Richer Road, ABN 22 693 549 847. Richer Road is for adults aged 18 and over. Questions or complaints: send us a message. We reply within 1 business day.
Accessibility
Richer Road is built to work with a keyboard and with screen readers. If anything gets in your way, tell us and we’ll fix it.