Account setup in under 3 minutes.
No day-trading, no noise, no hooks. Your money, your pace — and it's a retirement account, so it's built for the long game.
Ripen is self-directed on purpose — you pick the fund, and we never recommend, manage, or nudge. Two calm options, that's the whole menu.
Most people never start investing because it feels complicated. So we took the complicated out — and kept only what you actually need.
What's left is the whole app: one dollar opens it — and that dollar's on us. Start today, adjust anytime.
No tickers flashing, no noise, no pressure to do anything. Just your balance quietly growing, one dollar at a time.
No big minimums, no lock-ups, no financial jargon. It takes just $1 to open — and Ripen covers that first dollar for you.
Here's what just $100 a week could grow into if it earned the S&P 500's long-run average — and how little of the total is money you actually put in.
By year 40, about 94% of that $3.79M is growth — money your money earned. You'd have put in $208K; compounding did the rest.
*Hypothetical illustration for education only. The 11% figure is the S&P 500's average annual total return (dividends reinvested, not inflation-adjusted) over the 40 years ending December 2025; this projection assumes that rate holds constant, compounded weekly, with no fees or taxes. Past performance does not guarantee future results — real returns vary year to year and you can lose money. Investing involves risk.
No need to scroll back up — grab your spot in one tap.
Free to join. No spam, ever. Cancel anytime.
Your age, a few dollars a month, and a goal — our calculator shows what starting small could grow into. Then share your number.
Open the retirement calculator →🌱 How rewards work
Rewards land in your Ripen app as credit at launch. You choose how to invest it.
$1credit
Just $1 opens an account, and we cover it.
First 10,000 people on the waitlist
+$100credit + periodic bonus credits
Over the life of Ripen, we plan to send this group bonus credits from time to time to help them reach retirement.
Top 500 by points + 500 nominees
+$1,000credit
For the 10 people with the most points.
Top 10 by points
Do all three and you could get$1,101 in credit + periodic bonus credits
🌱 The Founding 1,000
Our goal is to help these 1,000 people retire. Refer friends to earn a spot, or nominate someone who deserves a head start.
The 500 people with the most points when the waitlist closes get in. You earn 50 points for every friend who joins and 25 for each share (up to 5 shares). Get your link
Anyone can nominate someone. They confirm, and a panel picks based on need and impact, not likes.
Our dream: every one of them retires.Our plan: bonus credits along the way to help get them there.
Members must be 18+ and US residents. Nominees must confirm their own nomination. Referral spots go to the 500 members with the most points when the waitlist closes; fake or duplicate referrals and shares don't count. No purchase is needed to nominate. All rewards are in-app credits you choose how to invest; Ripen doesn't recommend investments or promise returns. Periodic bonus credits are at Ripen's discretion and aren't tied to Ripen's revenue, profits or value; no amount or schedule is promised. See Official Rules.
Everything a careful saver wants to know before starting.
Yes — a genuine retirement account (a Roth IRA), where your money can grow and be withdrawn tax-free in retirement. Prefer more flexibility over the tax perk? You can open a regular (taxable) brokerage account instead — both are an option.
With a regulated brokerage partner that custodies your account and holds your investments — the same kind of infrastructure behind other investing apps. Ripen is the friendly front door; the partner safeguards the money.
No, on purpose. Ripen is self-directed — you pick your fund, and we never recommend, manage, or rebalance. Calm and hands-off by design.
Joining the waitlist is free, and it'll be free to start. We'll always be upfront about any pricing down the road — no surprises, no hidden fees.
Anytime — it's your account and your money. (Roth IRAs carry their own IRS rules on withdrawing earnings early, and we'll make those crystal clear in the app.)
Soon — that's what the waitlist is for. Join and you'll be first to know, and first in line when the doors open.
Join the waitlist — it takes ten seconds, and it's the best way to be first in.