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AILICAI is the name of this free financial-literacy web application, published at https://www.ailicai.vip. It helps people understand everyday money decisions with transparent, math-based tools: loan, mortgage, savings, retirement and budgeting calculators, plain-language guides, and an AI assistant that explains personal-finance concepts in 12 languages.

The whole site is public: no account, login or payment is required to open the home page, read the guides, or use any calculator. You land on the home page first — nothing is hidden behind a sign-in wall.

The purpose of AILICAI is education. Every calculator runs in your browser and shows the formula behind its result. Nothing here is investment advice, a personal recommendation, or an offer to buy or sell any financial product. AILICAI never holds, transfers, pools or manages user money, and every figure is a hypothetical estimate based on the numbers you enter.

The AI assistant answers personal-finance education questions only. It is not used to generate, edit or distribute sexual content of any kind. Creating or requesting AI-generated non-consensual intimate imagery (NCII), or any content that sexualises or endangers minors, is strictly prohibited, is blocked by our policy filters, and may result in account termination.

No account is needed to use the calculators. Signing in — with an email address, Google or Apple — is optional and is used only to keep your AI conversations and to manage a subscription.