Build YourFinancial Freedom
Ontop Fi is the easiest way to stay on top of all your finances—so you can better save, invest, and build financial freedom.
The best thing moneycan buy is freedom.
Ontop Fi is built on three tenets for wealth building.
Start today to accelerate your path to independence.
One picture of your entire financial life.
You cannot change what you cannot see. Connect your accounts once and Ontop Fi keeps a single live picture of everything — what comes in, what goes out, what you own and what you owe.
- Earnings. Salary, bonus, side income, rent — synced on payday.
- Spending. Every transaction, categorized the moment it lands.
- Investments. Brokerages, crypto, retirement in one allocation.
- Holdings. Property, businesses, cash — valued and counted.
- One number. Net worth, live. Finally true.
Always-on advice that speaks first.
A clear picture is only the start. Your Ontop Fi Companion reads it every day and messages you before problems arrive — with the move, the reason and the math behind it.
- Proactive, not reactive. Alerts arrive before the bill, the drift and the deadline.
- Ranked by impact. Every suggestion is ordered by how far it moves your freedom date.
- One tap to act. Approve a move and the whole plan updates itself.
- Local by default. Taxes, benefits and retirement rules for the country you live in.
Stay in control, month after month.
Advice only works if it keeps running while you sleep. Set your targets once and Ontop Fi holds every budget, bill, plan and deadline on schedule — adjusting the moment your life changes.
- Plans that run themselves. Auto-invest, auto-sweep and bill calendars on autopilot.
- Limits that hold. Pacing alerts and spend caps keep every category inside its line.
- An initiative queue. Debt payoff, house deposit, tax season — sequenced by impact.
- Early warnings. Runway, drift and deadline alerts weeks before they can hurt.
We guide your next move.
With clarity, guidance and control in place, growth stops being luck. Ontop Fi Radar sweeps the world outside your accounts and brings back only what matches your picture.
- Money you already qualify for. Grants, matches, credits and incentives found weekly.
- Better rates, flagged. Refi windows, yield upgrades and fee drag — ranked by value.
- Rebalancing with the tax math. Every move shows its cost and its gain first.
- Compounding, on schedule. Surplus swept into your plan automatically.
Freedom with a number and a date.
Freedom is not a mood. Ontop Fi turns your picture into a number you can defend and a date you can plan around — then walks you to it, one lit segment at a time.
- A number you can defend. Built from your real spending, not a generic rule.
- A date that moves when you do. Every action re-runs the projection instantly.
- A ring that fills as you master each part. Progress you can see every day.
- People who shorten the climb. Ontop Fi Network opens verified circles, partners and capital.
We found 7 moves worth $27,872 this year.
Ontop Fi scans your finances and your country's programs every week. It brings back money you already qualify for.
A $10,000 grant you qualify for.
TX small-business grant. 70% match. Apply in 12 minutes.
$10,000Free employer money, unclaimed.
Your 401(k) match sits 2% below the full match. Raise it.
$2,400/yrKeep more of your own tax.
HSA triple-tax advantage. 90% eligibility. Fund to the limit.
$1,120/yrYour cash is earning nothing.
A high-yield upgrade on idle cash. Same access, same safety.
$312/yrWe analyze everything.
Hundreds of expert-built checks run on your picture, every day. A few of them:
Freedom, in their own words.
“Nobody in my family invested. Ontop Fi taught me in my language, my country's rules. My daughter watches my ring fill up. That's the point.”
“26 months: payday-to-payday to a 6-month fund. Then I quit the job that was breaking me. My fund said yes.”
“Two businesses, one marriage, zero money fights. The grant it found paid for our first oven.”
“Retirement at 53, four years early. The what-if told me before my advisor did.”
“My verified profile got my mortgage approved in 9 days. The bank saw proof, not paperwork.”
“My circle sequenced my deposit step by step. Keys in hand, 14 months later.”
“Morning snapshot, coffee, two minutes. My whole financial day, decided.”
“Drift alert caught me 8% off target. One rebalance. Back on the mountain.”
Light your Freedom Ring.
Every part of your financial life you master lights one segment. When all eight shine, the ring is complete — and freedom is forged.
of your ring lit — tap segments to explore
Your summit is waiting.
Start free. Climb together. Light your ring. From $0 — 30-day trial on every paid plan.