WealthWise Logo

AI-powered financial operating system

Track net worth, control cash flow, and get AI guidance to stay on pace for retirement.

WealthWise connects your accounts and uses AI to explain what changed, what is driving spending, and what to do next, from weekly cash-flow decisions to long-term retirement and estate planning.

Coming Soon to GitHub
NET WORTH $823,400 +$12,340 this month Jan Mar May Jul Sep Nov SAVINGS PACE On Pace $3,140 / $3,000 monthly target 104% of target RETIREMENT 2048 Projected: $3.2M portfolio 22 yrs to target
Net worth trajectory, planning pace, and retirement progress
SURPLUS $1,694 +8% vs avg SAVINGS RATE 18.2% of monthly income SAFETY NET 5.4 mo of expenses covered HEALTH SCORE 84 Strong NET WORTH Assets, liabilities, and trend $823,400 › CASH FLOW Monthly income vs spending +$1,694 › INVESTMENTS Allocation and holdings $412,180 › RETIREMENT Projection and scenarios 2048 · $3.2M ›
Dashboard summary with surplus, savings rate, safety net, health score, and section-level drilldowns

How WealthWise Works

3 steps to clarity
1

Connect your accounts

Securely sync banking, credit, debt, and investments using SimpleFIN.

2

Get an AI-driven plan

Analyze net worth, spending behavior, and retirement trajectory from your real data.

3

Optimize every week

Use Money Flow, advisor prompts, and recurring audits to improve cash decisions.

AI Financial Advisor: Get Instant Answers About Your Finances

Your AI advisor sees your complete financial picture: accounts, spending, debts, goals, and retirement plan. Ask anything, or use built-in prompts tailored to your data.

💰 Net Worth Analysis
💸 Cash Flow Analysis
🛍️ Spending Analysis
💳 Debt Payoff Strategy
🔄 Subscriptions & Recurring
📈 Investments & Portfolio
❤️ Financial Health Score
🎯 Goal Tracking
Financial Advisor Connected to your data · 12 accounts You Do I have recurring charges I should cancel? ADVISOR Found 4 recurring charges over the last 90 days: Unused gym membership $59.00 / mo Duplicate streaming service $14.99 / mo News subscription (unread 60 days) $9.99 / mo Old cloud storage plan $19.99 / mo Potential savings: $103.97 / month Ask about your finances… →
Financial Q/A powered by your own data

AI Estate Planning: Protect Your Legacy with AI-Drafted Legal Documents

WealthWise uses supported AI providers to draft four essential estate planning documents tailored to your financial data and family details. Review, download, and regenerate at any time.

AI-Generated Documents

Last Will and Testament

Distributes assets, names executor and guardians.

✓ Complete

Revocable Living Trust

Holds assets in trust and helps avoid probate.

✓ Complete

Financial Power of Attorney

Authorizes your agent to manage financial affairs.

● Generating...

Healthcare Power of Attorney

Names healthcare agent and advance directives.

◷ Queued

Attorney-ready workflow

Every draft reflects your actual portfolio, beneficiaries, and wishes. Export to Word, review with counsel, and regenerate whenever life changes.

  • Last Will
  • Living Trust
  • Financial Power of Attorney
  • Healthcare Power of Attorney

Your Security is Our Priority

Bank-Grade Protection

Your data is encrypted in transit and at rest, with strict access controls.

We use bank-level encryption, multi-factor authentication (MFA), and secure account links via SimpleFIN. WealthWise never sees or stores your bank credentials.

Bank-Level Encryption Multi-Factor Authentication SimpleFIN Secure Connections No Stored Bank Credentials

Understand where every dollar goes

90-day average, monthly rate

The Money Flow view shows income, fixed bills, variable spending, investments, and net surplus in a single visual so you can spot leaks and opportunities quickly.

$16,186 total income
90-day average monthly rate
$1,694 net surplus
10.5% monthly cushion
$6,363 housing and bills
Largest spending bucket
$1,632 to savings
Monthlyized investing flow
Cash Inflows & Outflows (90-day period totals) Salary Other Total Income Housing & Bills Savings Food & Dining Net Surplus $12,420 $1,240 $13,660 100% $6,363 46.6% $1,632 12.0% $1,180 8.6% $1,694 12.4%
Money Flow cash-flow map with category-level breakdown

Income vs spending trend

Income vs Spending Monthly totals, last 8 months Income Expenses $16k $12k $8k $4k Aug Sep Oct Nov Dec Jan Feb Mar
Monthly trend of income and expenses

Typical month details

Typical Month 90-day average, monthly rate INCOME $16,186 FIXED BILLS Housing, utilities, insurance $6,363 VARIABLE SPENDING Food, shopping, travel $4,497 SAVINGS & INVESTMENTS Emergency, retirement, goals $3,632 NET SURPLUS +$1,694
Fixed bills, variable spend, and savings totals

Investments and allocation

Allocation by Institution Total invested: $412,180 Vanguard $186,400 45.2% Fidelity $112,860 27.4% Schwab $74,220 18.0% Empower 401(k) $30,660 7.4% Other $8,040 2.0%
Balances and allocation by institution

Retirement scenario path

Retirement Projection Investable portfolio through 2048 Target Scenario $4M $3M $2M $1M 2026 2032 2038 2044 2048
Projected growth against your target line

Core Capabilities and Use Cases

WealthWise combines AI planning, secure account sync, and smart categorization for households, professionals, and self-hosters who want one system instead of scattered tools.

AI-Powered Financial Plan

Build a retirement roadmap from your goals, balances, and spending behavior.

Automated Account Sync

Securely sync balances and transactions via SimpleFIN without manual imports.

Smart Categorization

Automatically classify spending and apply rules for recurring patterns.

For Couples

Plan cash flow and retirement together with one shared view.

For Professionals

Track progress weekly and make faster money decisions.

For DIY Investors

Monitor allocation, projections, and portfolio-driven outcomes.

For Self-Hosters

Run WealthWise OSS in your own environment with full data control.

Open Source Deployment Model

WealthWise is open source and self-hosted. We do not host your data for you. Run it locally with XAMPP or in your own VPS/server environment, and pay only your own infrastructure and API providers.

Open Source Codebase

MIT Licensed

Full source access with self-hosted control.

  • Unlimited dashboards
  • Money Flow + AI advisor UI
  • Estate planning workflows

Bring Your Own Keys

Your API Accounts

Use your own AI and market-data providers with direct billing.

  • Anthropic/OpenAI key support
  • FMP or equivalent market APIs
  • No platform markup

Your Infrastructure

Local (XAMPP) or VPS/Server

Run locally for testing or deploy in your own stack for personal or family use.

  • Run locally with XAMPP
  • Docker-friendly deployment
  • Data stays in your environment
  • Scale on your own terms
Coming Soon to GitHub