How can WealthWise help me reach my financial goals?

WealthWise helps you plan and track your financial goals. Set savings targets with the Investment Calculator, create a debt payoff plan with Debt Destroyer, optimize your monthly budget with the 50/30/20 rule, and calculate your path to early retirement with the FIRE Engine. The AI advisor provides guidance based on your financial profile.

Is WealthWise OS free to use?

Yes! WealthWise OS offers a generous free tier that includes all core calculators, basic AI advice, and local data storage. No credit card required.

Is my financial data private and secure?

WealthWise is built local-first. Your financial data lives in your browser's encrypted localStorage — not on our servers. We never see, store, or have access to your numbers.

What is the FIRE calculator?

FIRE stands for Financial Independence, Retire Early. Our FIRE Engine calculates your 'Freedom Number' — the exact portfolio size needed to sustain your lifestyle indefinitely using the 4% safe withdrawal rate.

How does the AI Advisor work?

The AI Advisor is powered by Google Gemini Pro and adapts its persona based on context. It provides personalized, actionable financial advice based on your profile stored locally in your browser.

What is compound interest and how does it grow my money?

Compound interest is interest earned on both your initial investment and previously earned interest. Our calculator shows how $10,000 at 7% annual return becomes $19,672 in 10 years, $38,697 in 20 years, and $76,123 in 30 years through the power of compounding.

What is the 50/30/20 budget rule?

The 50/30/20 rule suggests allocating 50% of income to needs (housing, food, utilities), 30% to wants (entertainment, dining out), and 20% to savings and debt repayment. Our Budget Optimizer analyzes your spending against this framework.

What is the difference between debt snowball and avalanche methods?

The snowball method pays off smallest debts first for psychological wins, while avalanche targets highest-interest debts first to save money mathematically. Our Debt Manager calculates both strategies and shows total interest saved.

How much do I need to retire early?

Using the 4% safe withdrawal rate, multiply your annual expenses by 25. If you spend $40,000/year, you need $1,000,000 (your 'Freedom Number'). Our FIRE Calculator personalizes this based on your actual expenses and income.

Does WealthWise work on mobile devices?

Yes! WealthWise OS is a Progressive Web App (PWA) that works on any device with a modern browser. You can install it to your home screen on iOS and Android for a native app-like experience.

Can I export my financial data?

Free users can export to CSV. Pro subscribers get PDF Wealth Reports with charts, projections, and AI-generated insights. All your data remains stored locally in your browser.

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wealthwiseos.com

Friday · May 7

Good evening, Rocky.

⌘KGemini active

Projected Freedom Number

$847,293

67% to goal·Target Mar 2042

Savings Rate

28.4%

+3.2pts vs 90d

Emergency Runway

8.4mo

Above 6mo target

Real Return (after-tax)

7.2%

Vs 6.8% benchmark

FIRE Projection · 7.2% real return

AcceleratedCurrent

Goals

3 active

Emergency Fund92%
Roth IRA 202678%
Travel · Japan 202745%

Recent Activity

View all

VTI · Auto-invest
Brokerage
+$1,400.00
Rent · May
Housing
−$2,340.00
Dividend · VXUS
Brokerage
+$84.20

Features

Everything you need.

A complete financial operating system with AI at its core. Built for those who think in decades, not days.

Wealth Projector

Visualize your financial future with AI-powered compound interest projections. See exactly when you'll hit your goals.

Debt Destroyer

Snowball or avalanche — we simulate both and show you the fastest path to zero.

F.I.R.E. Engine

Calculate your freedom number. Know exactly when you can retire early.

70%

Smart Budget

50/30/20 rule automation. AI categorizes every expense by intent, not labels.

50%

Needs

30%

Wants

20%

Save

Vision Board

Dream big. Upload images of your goals — AI analyzes costs and creates a savings roadmap.

AI Financial Advisor

Ask anything. Get personalized advice powered by Gemini. Context-aware responses based on your complete financial picture.

"Should I pay off debt or invest?"

"Based on your 4.5% loan rate vs 8% market returns, prioritize investing while making minimum payments…"

Secure Vault

Store financial documents locally. AI auto-categorizes receipts, tax forms, and statements.

PDF

TAX

Pricing

Simple, transparent.

Start free, upgrade when you're ready. No hidden fees, no surprises.

Free

Perfect for getting started

$0/forever

All core calculators
Wealth Projector & FIRE Engine
Debt Destroyer tools
Budget Optimizer
10 AI conversations / month
Local data storage
CSV export

Pro

For serious wealth builders

$12/month

or $99/year (save 31%)

Everything in Free
Unlimited AI conversations
Advanced SWOT analysis
Market Intelligence suite
PDF Wealth Reports
Priority email support
Vision Board with AI
Tax scenario modeling
Early access to features

No credit card required

Family

Plan together, grow together

$18/month

or $149/year (save 31%)

Up to 4 family members

Everything in Pro
4 separate profiles
Shared household dashboard
Combined net worth view
Family goal tracking
Couple budgeting tools
Shared document vault
Priority family support

Lifetime Access — $249

One-time payment. All Pro features forever.

30-day money-back guaranteeSecure payment via StripeCancel anytime

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Why WealthWise?

See how we stack up against other financial apps.

Feature	WealthWise	Others
100% Free Core Features
AI-Powered Advice		Limited
Complete Privacy (Local Storage)
Free Account with Cloud Sync		Paid
FIRE Calculator		Paid
Debt Payoff Strategies
Vision Board with AI
Unlimited Projections		Paid

Support

Frequently
Asked.

Everything you need to know about WealthWise OS. Can't find what you're looking for? Reach out to our team.

Still have questions?

Our team is here to help you succeed.

Get in touch

WealthWise OS includes: Wealth Projector (compound interest calculator), Debt Destroyer (snowball/avalanche payoff strategies), Smart Budget (AI-powered expense categorization), F.I.R.E. Engine (retirement calculator), Vision Board (goal visualization with cost estimates), Tax & Business Planner (LLC vs S-Corp analysis), Market Intelligence (SWOT analysis, trends), Secure Vault (document storage), AI Advisor (24/7 financial guidance), and comprehensive reporting tools.

StartBuilding.

AI-powered financial planning that's free to start and completely private. See your wealth projections, crush debt, and plan for FIRE.

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