Snap a photo of your contract and get a plain-English
breakdown in seconds. Ratifi uses AI to flag hidden fees,
calculate your true cost, and tell you exactly what to
negotiate — before you sign.
Your first analysis is free. No subscription required.
WHAT YOU GET:
• Risk score with clear explanation
• Total cost breakdown with nothing hidden
• Interest rate comparison vs. national averages
• Line-by-line fee analysis
• Specific negotiation tips with dollar amounts
• AI chat to ask follow-up questions
HOW IT WORKS:
1. Take a photo of your contract (or upload a PDF)
2. Ratifi extracts every detail using AI
3. Get your full analysis with actionable insights
Built by an engineer who got tired of confusing contracts.
Every number is independently calculated — Ratifi never
guesses at the math.
What's new (v1.0.4)
• Faster signup — only the essentials are required up front; credit
score, location, and income are now optional inputs.
• Better email verification — tap the link in your email and you're
signed in automatically.
• More accurate contract analysis — improved benchmarking, smarter
vehicle classification, and fairer fair-market-value comparisons
for new vehicles.
• Bug fixes and stability improvements.