Fruitful

Fruitful

Personalized financial guidance and planning service

About Fruitful

Simplify's Rating
Why Fruitful is rated
A-
Rated B on Competitive Edge
Rated A on Growth Potential
Rated A on Rating Differentiation

Industries

Fintech

Financial Services

Company Size

51-200

Company Stage

Series A

Total Funding

$43M

Headquarters

London, United Kingdom

Founded

2021

Overview

Fruitful provides personalized financial guidance through certified financial professionals known as Fruitful Guides. These experts offer tailored advice and education to help individuals manage, save, and invest their money effectively. The service operates on a subscription model, allowing members to access personalized financial advice, tools for tracking their finances, and educational resources all in one platform. This approach simplifies money management for clients from various backgrounds, whether they are facing financial stress or seeking to improve their financial health. Unlike many competitors, Fruitful focuses on empowering clients with insightful and analytical advice from experienced professionals, ensuring they can confidently take control of their financial futures.

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Simplify's Take

What believers are saying

  • Fruitful's launch of Cash Accounts and Card offers a no-fee, transparent financial experience.
  • The company raised $43M in funding, supporting its growth and product development.
  • Integration of AI-driven analytics enhances personalized financial advice and user engagement.

What critics are saying

  • Increased competition from fintech startups could dilute Fruitful's market share.
  • Economic downturns may reduce consumer spending on subscription services like Fruitful's.
  • Regulatory scrutiny on financial advisory services could increase compliance costs for Fruitful.

What makes Fruitful unique

  • Fruitful offers a unique financial wellness membership with personalized guidance and innovative products.
  • The platform integrates financial functions, breaking traditional banking silos for a seamless experience.
  • Fruitful's team includes experienced professionals like Andrea Easterling and Andrew Rotz.

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Funding

Total Funding

$43M

Above

Industry Average

Funded Over

3 Rounds

Notable Investors:
Series A funding typically happens when a startup has a product and some customers, and now needs funding to scale. This money is usually used to grow the team, expand marketing, and improve the product. Venture capital firms are frequently the main investors here.
Series A Funding Comparison
Above Average

Industry standards

$15M
$8.2M
Discord
$15M
Canva
$25M
Fruitful
$30M
Kalshi

Growth & Insights and Company News

Headcount

6 month growth

-4%

1 year growth

3%

2 year growth

13%
Fintech Futures
Mar 19th, 2025
Fruitful Named "Best Financial Planning Platform" In 9th Annual FinTech Breakthrough Awards Program

Last month, Fruitful launched Fruitful Cash Accounts and Fruitful Card, which work in concert to upend traditional banking models and provide users with a seamless, transparent financial experience that maximizes earnings, rewards, and financial control, all with no fees, no credit card debt risk, and no carryover balances.

FF News
Feb 12th, 2025
Fruitful Launches High-Yield Cash Account & Cash Back Charge Card, Pairing Unparalleled Saving And Spend Management With One-On-One Financial Guidance In First-Of-Its-Kind Membership

Today, Fruitful, the financial membership helping Americans understand, organize, and optimize their finances, announced the launch of two innovative products: Fruitful Cash Accounts and Fruitful Card. These new offerings work in concert to upend traditional banking models and provide users with a seamless, transparent financial experience that maximizes earnings, rewards, and financial control, all with no fees, no credit card debt risk, and no carryover balances.Fruitful Cash & Card are available as part of Fruitful’s $98/month membership that includes one-on-one expert financial guidance tailored to members’ unique lifestyles, goals, and stressors, seamlessly integrated with smarter, stress-free saving, spending, and investing.“Fruitful is reimagining what financial wellness means for Americans, and the launch of Cash & Card is a significant step toward empowering our members to take full control of their financial present and future,” said Sam Lewis, CEO of Fruitful. “For too long, the financial services industry has embraced outdated banking and advisory models to muddle customers’ full financial picture and ultimately profit off of them. We’ve designed an entirely fresh approach to empower our members to get organized, earn more, and avoid fees and credit card debt while getting advice from their Fruitful Guide and taking action. Cash & Card means more financial progress and peace of mind for our members and a new model for the financial services industry.”Historically, banks have partitioned checking, savings, and credit in ways that silo customers’ full financial picture, making it harder for them to track spending and manage money effectively. This model can lead to Americans becoming trapped in a cycle of overspending, surprise fees, debt, and confusion.Fruitful is changing that by breaking down the barriers between these core financial functions and integrating one-on-one expert financial guidance

Fintech Global
Jun 9th, 2022
Fruitful Emerges From Stealth With $33M

Fruitful, a startup that aims to encourage healthy financial habits for its users, has raised $33m in equity funding from a seed and Series A round.

PRWeb
Jun 9th, 2022
Fruitful springs out of stealth with $43M on a mission to make expert...

NEW YORK (PRWEB) June 08, 2022 Fruitful, the world’s first financial wellness membership, today announced $43 million in pre-launch capital anchored by an $8 million seed round led by Emigrant Ba

TechCrunch
Jun 8th, 2022
Fruitful Emerges From Stealth With $33M In Funding And An App That Aims To Fuel Healthy Financial Habits

As inflation continues to grow persistently higher, millions of Americans are struggling financially. With that struggle comes a whole lot of financial stress. Fruitful is a startup that wants to provide access to financial planning to the masses at a cost that won’t eat up whatever savings — if any — they might have. Fruitful []

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