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Financial guidance for every immigrant family in America

Financial guidance
in your first language.

🇨🇩 Bot ya Lingala ezali🇫🇷 Nous parlons Français🇲🇽 Hablamos Español

47 million immigrants in America deserve financial advice that speaks their language, understands their culture, and helps them build generational wealth — not just survive.

Nawiri is free. We will never sell your data or charge your community for basic financial education.
Available in 20+ Languages
No Financial Advice — Education Only
Human Advisers Available
📈 Investment Growth Simulator
Monthly Investment
Time Period — 5 Years
5y
Average S&P 500 Annual Return7% per year
Your portfolio could grow to
$7,159
$1,159 in growth on $6,000 invested
You Invest
$6,000
Growth Earned
$1,159
Talk to an Adviser About Getting Started →
For educational purposes only. Past performance does not guarantee future results. Average historical S&P 500 return used for illustration.
🇨🇩Lingala🇫🇷Français🇰🇪Swahili🇲🇽Español🇸🇦العربية🇭🇹Kreyòl🇪🇹Amharic🇧🇷Português🇻🇳Tiếng Việt🇮🇩Bahasa🇨🇳普通话🇮🇳Hindi🇨🇩Lingala🇫🇷Français🇰🇪Swahili🇲🇽Español🇸🇦العربية🇭🇹Kreyòl🇪🇹Amharic🇧🇷Português🇻🇳Tiếng Việt🇮🇩Bahasa🇨🇳普通话🇮🇳Hindi
47Mimmigrants in the U.S. underserved by the financial system
32%of foreign-born households are unbanked vs. 18% native-born
$388Bannual cost of financial illiteracy in America
20+languages supported from Day 1

Can you afford a home in America?

Answer 5 simple questions and see exactly what you can afford, how much to save, and every step to owning your first home — in plain language.

What is your credit score?
Your credit score determines if you qualify for a mortgage and what rate you pay. Enter your score or estimate it.
Credit Score (300 – 850)
300 Poor580 Fair670 Good740 Very Good850 Excellent
💡
Don't know your score? Check free at annualcreditreport.com — it will not hurt your credit. Many immigrants start with no score and build one in 6 to 12 months.
"

I have been waiting for something like this my whole life. Nobody has ever explained money to me in my language. I am 54 years old and I finally understand what a 401k is. This is what our community needs.

— Community Member, Woodbridge, Virginia

The system was not built for you. We are.

Immigrant families face walls that keep them from building the wealth they deserve. Nawiri was built to break every one of them.

01
The Language Wall
Financial advice is almost entirely in English. If you speak Lingala, Swahili, or Haitian Creole, you are effectively locked out of the system.
02
The Trust Wall
Many immigrants watched banks fail back home. Governments seized accounts. Currency collapsed. That distrust follows them here — and money stays under the mattress.
03
The Culture Wall
No adviser understands sending money home monthly, that your children are your retirement plan, or that your community pools money in informal savings circles.
04
The Cost Wall
Financial advice is often expensive, hard to find, or only available in English. Quality estate and financial guidance has never existed for many immigrant families — until now.
05
The Generational Wall
Without trusts, wills, and investments, when parents die their children open a GoFundMe — not to invest inherited wealth, but to pay for the funeral. The cycle starts over from zero.
06
The Retirement Wall
In many immigrant cultures, children ARE the retirement plan. Parents sacrifice everything. Children cannot build wealth while supporting parents. Nobody wins. Nawiri breaks this cycle.

Everything you need to build wealth — in your language.

Nawiri gives immigrant families AI financial literacy coaching, human community advisers, and professional tools to take control of their financial future.

🤖
AI Financial Literacy Coach — 24/7
Our AI explains how money works in your language — how a Roth IRA works, what a credit score means, what a trust is, how to start investing. General education only. When your question becomes personal, a human adviser takes over.
AI-POWERED
👥
Human Community Advisers
Real advisers from your community who speak your language. They provide financial education and guidance — explaining concepts, answering questions, helping you understand your options. Licensed professionals handle specific investment and estate decisions.
HUMAN + AI
📜
Trust & Estate Planning — Coming Soon
Free educational guidance on trusts, wills, and protecting your family's future. Learn how a living trust works, how to name beneficiaries, and when to connect with a licensed professional or human adviser. We'll help you understand your options before you ever speak to a lawyer.
EDUCATION FIRST
🎓
Video Curriculum Library
Short clear videos explaining stocks, ETFs, crypto, gold, 401k, Roth IRA, 529 college plans, trusts, and wills — in your language. Free. Watch anytime on your schedule.
FREE ACCESS
🤝
Ambassador Network
Community leaders at churches, cultural centers, and organizations bring Nawiri to their members. Financial literacy in your language, in your community, by people you already trust.
COMMUNITY-FIRST
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WhatsApp First
No app download required. Text us in your language and our human community advisers respond personally in Lingala, French, English, Spanish and more. Real people. Real conversations. We meet you where you already are — 24/7.
24/7 SUPPORT

Learn what nobody ever taught you — in your language.

Our video curriculum explains the financial concepts every immigrant family needs to know. Free. Clear. In your language.

Two Fathers. Two Different Endings.
What happens when you die without a trust, life insurance, or investments — and what happens when you plan ahead. A story every immigrant family needs to see.
TRUSTSLIFE INSURANCEINVESTING
COMING SOON
📈
What is a Roth IRA?
How to save for retirement tax-free — and why starting today matters more than how much you start with.
COMING SOON
💳
How Credit Scores Work
What affects your score, how to build credit from zero, and why it matters for buying a home or starting a business.
COMING SOON
🏠
How to Buy Your First Home
Step by step — from credit score to down payment to closing. What every immigrant family needs to know before buying in America.
COMING SOON
📊
ETFs and Index Funds
How to invest $100 per month and watch it grow. The simplest way to start building wealth without being an expert.
COMING SOON
📱
Access for Everyone
Future versions of Nawiri will work on low-end devices and low-bandwidth connections, so community members in underserved areas are never locked out.
Get Early Access to All Videos — Free

Real conversations. Real answers. In your language.

This is what it looks like when a community member texts Nawiri in Lingala and gets a real educational response — instantly.

🌍
Type in any language. Lingala, French, Swahili, Spanish — our AI Financial Literacy Coach understands and responds in the same language you used, directly on our website. Nawiri's AI is powered by open-source language models, meaning no single company controls the technology your community depends on.
📚
Education only — never advice. The AI explains how things work. When you need personalized guidance, it connects you with a human adviser.
👤
Human advisers for personal questions. Real community members who speak your language handle all personal financial conversations.
🌍
Nawiri Financial
Financial Literacy Coach • Online
Lingala
Nawiri, na lingi na yeba ETF ezali nini?
2:14 PM
Nawiri AI Coach
Mbote Ndeko! ETF — elakisi "Exchange-Traded Fund" — ezali lokola kitunga ya ba actions ebele. Soki o sombi ETF moko, oko zua mwa portion ya ba compagnies ebele que ko somba company moko-moko.

Na ndakisa: Soki olingi ETF na S&P 500, okozwa portion ya 500 companies ya minene na Amérique — Amazon, Apple, Google, etc.

✅ ETF ezali facile na kosomba
✅ Risk eza mukie po ba investissements eza na ndenge diversifié
✅ Taxes ezali mukie na ETF koleka ba mutual funds

Soki olingi na yeba ndenge ya kosomba ETF ya liboso to kotala ba ETF nini ezali malamu pona yo, sima yo na Adviser to pe conseiller financier na biso — akosalisa yo na Lingala! 🤝
2:14 PM ✓✓
Merci beaucoup! Je voudrais parler à un conseiller.
2:16 PM
Bien sûr! Je vous connecte avec un de nos conseillers communautaires qui parle français. Ils vous contacteront dans les 24 heures. 📅
2:16 PM ✓✓

Built by someone who lived this.

Francis Choma — Founder and CEO of Nawiri Financial
Founder & CEO

When I arrived in America from Kinshasa 14 years ago, my family who was already living here did not have a financial adviser. They had a mattress. That is where the money went. Not because they were not smart. Because every bank they had ever trusted had failed them back home.

My uncle worked every single day in America. He sent money home every month without fail. He sacrificed everything. And when he died — his children opened a GoFundMe. Not to invest his wealth. To pay for his funeral.

That is the reality for 47 million immigrants in America. Their children are their retirement plan. So their children cannot build wealth either. And when they die without a trust, without a will, without a single investment — the cycle starts over. From zero. Again.

I built Nawiri so that story never happens again. That is why I am here. That is why Nawiri exists.

— Francis Choma, Founder & CEO
Francis Choma
Founder & CEO, Nawiri Financial
Born in Kinshasa, Democratic Republic of Congo. U.S. resident since 2012. Francis is the first in his family to graduate from college — earning a Bachelor's degree in Economics and membership in Omicron Delta Epsilon. Former insurance underwriter, sales operations analyst, and SV Academy graduate. Built the original concept for this platform during a Business Analyst internship at Northwestern Mutual in 2021. Speaks Lingala, French, English, and Kikongo.
From Kinshasa, DRCFirst-Generation College GraduateSpeaks 4 LanguagesB.S. EconomicsNorthwestern Mutual AlumniSV Academy GraduateAlexandria, Virginia

Your Privacy Is Sacred To Us.

At Nawiri we believe trust is earned not assumed. Your personal information belongs to you. We will never share it with government agencies or sell it to advertisers. Full stop.

🔒
Your data stays yours
We never sell your personal information to advertisers, data brokers, or third parties. Ever.
🛡️
No government sharing
We will never share your information with any government agency. Your conversations are private and protected.
💬
Conversations stay private
Everything you discuss with our AI coach or community advisers is confidential. We are here to help, not to monitor.

What our community is saying.

"
I send money home to Africa every month but have nothing saved for myself. I never knew where to start. Nawiri is exactly what I needed.
— Community Member, DMV Area
"
My children are my retirement plan. But I worry about the burden I put on them. I want to change that. Finally someone understands our situation.
— Community Member, Alexandria, Virginia

Your family's wealth starts here.

Be among our founding members. Free for immigrant families across America.

🔒Your data is never sold
🛡️No government sharing
Free to join
🌍20+ languages supported

We are here for you — in your language.

Reach us the way that is most comfortable for you. We respond in Lingala, French, English, Spanish, and more.