Lachesis
Financial literacy,
built for college students.
Budgeting, retirement planning, market news, and credit — all in one app, all explained by an AI chatbot that talks like a person instead of a textbook. Nobody teaches this in class. Lachesis does.
Budgeting
Finally know where your money goes.
Build your first real budget in minutes. Lachesis groups your spending, flags the categories quietly eating your month, and shows you exactly what changing one habit would do to your balance.
Retirement Planning
Starting at 20 beats starting at 30.
See what $25 a month becomes over forty years. Lachesis makes compounding visible, walks you through accounts like a 401(k) or Roth IRA, and shows the cost of waiting — no jargon required.
Market News Sentiment
Understand the headlines, not just read them.
Lachesis reads the day's financial news and tells you whether the mood is optimistic, nervous, or panicked — and, more importantly, what that actually means for ordinary people.
Credit Risk Analysis
Learn how lenders really think about you.
Credit scores, default odds, and lending decisions stop being a black box. Lachesis shows you the same kind of risk analysis banks run — then explains every piece of it in plain English.
Lachesis AI Chatbot
Ask any money question. Get a real answer.
"What's an index fund?" "Should I pay off my loan or save?" Ask Lachesis anything and get a clear, jargon-free answer tied to your own numbers — available whenever the question hits.
Inside the Credit Risk tab
Credit,
finally explained.
Credit is the first big financial decision most students face — loans, cards, a first apartment. The Credit Risk Analysis tab is a live lesson in how lenders size you up: the odds someone doesn't pay back, how much a lender stands to lose, and what a whole book of loans looks like when the economy turns.
What risk actually means
See the chance of a missed payment and the size of a typical loss side by side — and learn why lenders care about both.
Try a bad year
Turn up the stress and watch how a recession changes the picture. It's the fastest way to understand why credit tightens.
Real-world examples
Comes preloaded with two very different real companies so you can compare a strong borrower against a shakier one.
For learning purposes. Not financial advice.
And when you're ready to invest
Forecasting, when you want it.
Once the basics click, Lachesis can project how a portfolio might behave across a range of possible futures — always with the explanation attached, so it stays a lesson instead of a black box.
What students get out of it
Confidence, one question at a time.
5 minutes
to build your first real budget
Anytime
answers from the Lachesis chatbot
Lifelong
financial literacy to not only survive but to build generational wealth
Learn the money stuff nobody taught you.
Get early access to Lachesis and start with the part you're most unsure about — the budget, the loans, or the first investment.