ReFinEd

Thoth Systems

In-app purchases

About this app

Learn to invest like you know what you're doing.

20 structured lessons. An AI learning companion. Live paper trading with real market data. Your data stays on your device. Free to start — no credit card required.


📚 Free Lessons (1–10)

Master the Fundamentals

• Introduction to the Stock Market — How markets work, how prices move, and what indices measure.
• What is a Stock? — Ownership, share types, IPOs, and how to buy.
• Understanding the P/E Ratio — Valuation basics, high vs. low P/E, and sector context.
• Diversification & Risk — Systematic vs. unsystematic risk and building a resilient portfolio.
• Advanced Chart Analysis — MACD, RSI, support & resistance, and chart patterns.
• Behavioral Finance — Loss aversion, confirmation bias, and herd mentality.
• Options Trading — Calls, puts, contracts, and basic strategies.
• Reading Financial Statements — Income statements, balance sheets, and SEC filings.
• Algorithmic Trading — How machines trade and quantitative strategies.
• Portfolio Optimization — Building and balancing a portfolio for your goals.

🔒 Pro Lessons (11–20)

Advanced Strategy & Analysis

• Fixed Income Securities & Bond Markets — bonds, yield curves, duration, credit analysis
• Advanced Equity Valuation — DCF modeling, WACC, intrinsic value, terminal value
• Macroeconomic Analysis — business cycles, monetary policy, inflation, yield curve signals
• Portfolio Theory & Multi-Factor Models — Markowitz, CAPM, Fama-French, the Factor Zoo
• Advanced Behavioral Finance — Prospect Theory, cognitive & emotional biases, market anomalies
• Institutional Portfolio Management — asset allocation, risk parity, VaR, stress testing
• Expert Derivatives & Risk Management — options Greeks, futures, swaps, hedging strategies
• Investment Regulation & Ethics — SEC, FINRA, insider trading law, CFA Code of Ethics
• Advanced Technical Analysis — Elliott Wave, Wyckoff, Ichimoku, ADX, complex chart patterns
• Alternative Investments — private equity, hedge funds, real estate, commodities, infrastructure

🤖 Invest Pro — Your AI Companion

Ask Invest Pro anything — lesson explanations, concept breakdowns, quiz help, or how your paper portfolio connects to what you're learning. Invest Pro understands where you are in the curriculum and uses your portfolio data to mak abstract concepts concrete.

Invest Pro is an educational tool and does not provide personalized financial advice.

📈 Portfolio Simulator

Practice without risk. ReFinEd's simulator connects to live market data so your virtual portfolio moves like a real one. Track your performance against the S&P 500 with professional metrics:

• Alpha — how much value you're generating beyond market returns
• Beta — your portfolio's sensitivity to market swings
• Volatility — how much your returns fluctuate
• Maximum Drawdown — the worst decline from peak to trough

🛡️ Security & Privacy

ReFinEd is built local-first. Your lesson progress, quiz scores, chat history, and paper portfolio are stored on your device — not our servers. Google Sign-In handles authentication. That's it.

✅ Quizzes & Progress

Every lesson ends with a quiz. Every wrong answer includes a complete explanation — so you understand the concept, not just the answer. Progress is saved locally so you can always pick up where you left off.

⚡ LESSON CONTENT AVAILABLE OFFLINE

Study on the subway, during a commute, or anywhere you have a few minutes.

💳 Subscription Plans

10 free lessons — no account required to start.

Pro access unlocks all 20 lessons and Invest Pro:
• Weekly: $4.99/week
• Monthly: $14.99/month
• Annual: $119.99/year (best value)

Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your Google Play account settings.

ReFinEd is an educational platform. Content is for informational purposes only and does not constitute financial advice.

What’s new

v1.4.7 — Performance & Accessibility
- Stripe deferred to billing only (not every page)
- Mobile Lighthouse: 76→91, LCP halved, TBT -80%
- Accessibility: 100/100
- Fixed mobile footer viewport issues

v1.4.6 — Cleanup Sprint
- Removed Firebase code & ~479 dead packages
- Self-hosted fonts, no render-blocking CDN
- Mobile perf: 53→76, FCP: 6.7s→0.9s
- Aria-labels & heading hierarchy fixes