Redefining financial literacy and planning for everyone.
Learn how we’re transforming the way people plan their finances
Your Finances, Your Future: Take Control with GrowBread
Our mission is to improve financial literacy and planning for everyone, making it accessible, understandable, and manageable across ages and incomes. We designed GrowBread to break down complex financial concepts into digestible, actionable steps, allowing users from all backgrounds to navigate their finances with confidence.
We envision a world where financial empowerment is not just a privilege but a norm.
Why GrowBread: A Game-Changer
In a market flooded with generic financial tools, GrowBread stands out with its unique blend of competitive features and accessible pricing. Our commitment to innovation is evident in every aspect of the app – from smart budgeting based on individual transaction history to long-term forecasting tools. GrowBread is tailored to meet the diverse needs of today’s users, who seek a comprehensive financial guide rather than basic budgeting tools.
Our Journey:
From an idea to an app poised to revolutionize financial planning. Discover our story:
Initiation (1987-2022)
- The idea comes from entrepreneur Rick Baff, who built a preposterously complex spreadsheet to track his finances and model how his net worth would evolve over time
Academic Collaboration (2022)
- In 2022, Rick was asked to give a guest lecture on using data analytics for effective financial planning at Rutgers University in New Jersey, and forged a relationship with the Rutgers Masters of Business & Science Program – UX Concentration
Empowered Validation (July 2022-2023)
- A semester of graduate research revealed a fragmented market ready for disruption: a better solution for personal financial planning is needed
GrowBread Founded (July 2023)
- Founded on the principle that helping people understand their finances is the first step towards a better life, GrowBread builds on the best of what is in the market while adding key features that are not currently available
GrowBread Application Tuning (2024)
- Two full Rutgers Graduate School semester classes in 2024 helped GrowBread alpha test a 1.0 release and UX tune a 1.1 release that will shortly be available for Beta testing
Meet the Team:
Rick Baff
Co-Founder, CEO
Rick is a 35+ year Fintech executive with deep financial and technology expertise. Rick’s financial experience started at age 13 trading stock options, and has included decades developing software for data analytics for the financial, insurance and banking markets.
Rick has entrepreneurial experience with multiple startups and early stage companies and has been an active investor in both private and public financial markets. Rick’s decades of comprehensively financial planning (spreadsheeting) for his personal life and companies combined with his and his co-founder’s professional experience empower GrowBread.
Dan Hulkower
Co-Founder, CRO
Dan Hulkower brings over 30 years of diverse industry experience to his role at GrowBread. His background spans technology, manufacturing, and consulting, where he has repeatedly demonstrated his ability to build successful growth strategies and drive significant revenue increases. At GrowBread, Dan is passionate about enhancing financial literacy to improve living standards and retirement outcomes for all.
Peter Munsat
Co-Founder, CFO
Peter Munsat has over 20 years working with early stage and middle market companies in the health, wellness & CPG industries. He has also held senior finance roles in companies that build and sell software as a service and on-site facilities services. He has a broad range of technical skills and expertise in building and managing the finance, accounting, operations, and HR functions in the organizations he has served, and deep experience in a wide variety of sales channels including DTC, B2B, Amazon, and brick & mortar retail. Peter has also worked on financial and operations modeling to position several start-ups to attract capital and achieve other strategic objectives. Among other strengths, he excels at and enjoys working with large datasets from disparate systems to translate transactional data into meaningful and insightful financial performance and projections.
Empower Your Financial Future with GrowBread
We make financial decision-making easier while you learn about personal finance