Rica is a financial planning service designed to make managing money more practical and less intimidating. It brings together financial planning, habits, and reminders to help people care for their finances, work toward personal goals, and stay connected to the person they hope to become. Combining financial planning with behavioral science, Rica turns intentions such as saving, investing, and spending thoughtfully into manageable steps that fit everyday life.

The service can connect financial information from participating banks and cards through Open Finance, with the user’s consent, and receive investment positions and transactions from B3 when authorized. Rica also supports connections with OpenAI and Anthropic through MCP, within the context the user permits, and offers an API so external systems can interact with the service. Its planning tools encourage regular reflection, help users remember priorities, and support more considered decisions rather than choices made under pressure. Rica offers subscriptions, with pricing intended to help people choose a plan suited to their needs.