GoldRatio

GoldRatio is a finance education and budgeting app that helps you balance spending, saving, and investing with a simple ratio-based framework. It combines AI insights, bite-size lessons, and clear visuals to improve financial literacy and daily money decisions. Key features - Ratio-based budgeting templates such as 50 30 20, Golden Ratio, and fully custom rules, with real-time tracking and alerts - Interactive personal finance lessons and quizzes on credit, compounding, ETFs, and risk, built for beginners and busy professionals - Goal and portfolio planner with AI suggestions, including gold-to-stocks and cash-to-investments ratio dashboards for smarter allocation Ideal for users seeking a practical budgeting app, investment education, AI-driven insights, and a clean portfolio tracker to build long-term financial confidence

1. Download GoldRatio and create your account with email or single sign-on. 2. Set your goals like emergency fund or debt payoff, then choose a budgeting template that fits your lifestyle. 3. Connect your bank and cards securely or add transactions manually, categorize spending, and watch your ratio-based budget update in real time. 4. Open the Learn tab to complete a 5-minute lesson and quiz, track progress, and bookmark topics for later review. 5. Build a simple portfolio plan, review ratio dashboards and AI suggestions, then enable alerts for budget limits, goal milestones, and rebalancing reminders.