Is WealthWise a replacement for QuickBooks Self-Employed?

No. QuickBooks does bookkeeping (P&L, balance sheets, invoicing, mileage logs in GAAP-style ledgers). WealthWise does planning, advisory, and personal-finance integration — the layer that sits above your books and ties business and personal money to your long-term wealth goals. Most self-employed people use both: QuickBooks for the books, WealthWise for the strategy.

Can WealthWise file my taxes?

No. WealthWise calculates and tracks your estimated quarterly taxes, organizes your deductions and 1099s, and exports a CPA-ready package to your tax preparer or filing software (TurboTax, H&R Block, FreeTaxUSA). We get you to filing-ready in a fraction of the time — but we do not file. Filing is a regulated activity we deliberately stay out of.

How does the AI Advisor work? Is it just ChatGPT?

It runs on Google Gemini 3, which is in the same league as Claude and ChatGPT. The difference: it sees your real numbers (when you connect your bank). It knows you are self-employed. It remembers your goals, prior decisions, and tax situation across sessions. ChatGPT does none of that — every chat starts from zero, and it cannot see a single one of your accounts.

Is my financial data safe?

Yes. Bank connections happen through Teller (rolling out Q3 2026), which uses bank-certified direct integrations and never shares your password with us. Data at rest is encrypted (AES-256). We are GLBA-compliant and follow industry-standard security practices. We do not sell or share your data — ever. Your data is yours; export or delete it anytime.

What banks does WealthWise connect to?

Once Teller integration ships in Q3 2026: 7,000+ US institutions including all major banks (Chase, Bank of America, Wells Fargo, Capital One, Citi, US Bank), all major brokerages (Schwab, Fidelity, Vanguard, Robinhood, E*Trade), and most regional banks and credit unions. Until then, you can import via CSV or enter manually — and the AI advisor still works.

What if I have an LLC, S-corp, or sole proprietorship?

All three work. Tell us your business structure during onboarding and the AI advisor and quarterly tax math adjust accordingly — pass-through SE-tax math for sole props and single-member LLCs, payroll + distribution math for S-corps, partnership splits for multi-member LLCs. The Studio plan handles multiple businesses simultaneously.

Can my CPA see my data?

Yes. Generate a CPA Export Package any time — a clean zip of your YTD income, deductions categorized to IRS schema, 1099s, mileage logs, and prior-year comparisons. Most CPAs will tell you it is the most organized year-end package they have ever received. Your CPA does not need a WealthWise login.

Why does WealthWise cost $99 a year?

Because the moment we monetize through ads or data, we stop being on your side. $99/year is what it costs to deliver this value sustainably. We are not subsidizing through ads, data sales, lead generation, or pushing you toward financial products. You pay for the tool. We build the tool. Simple.

What if I am not self-employed?

WealthWise still works as a general AI financial OS — budget, debt, investments, FIRE, advisor, vault. We just will not be the best tool for you specifically. If you have a single W-2 income with a normal household structure, try Monarch Money or Copilot Money — they are optimized for that life. We are optimized for yours.

Can I export my data if I leave?

Always. Full CSV and JSON export for everything you have ever entered or imported. No export wall, no friction, no 'sorry we couldn't make this work' surveys. Your data is yours — that is a foundational principle, not a marketing line.

Free Educational Guides

Learn personal finance.

Free guides to the strategies behind every WealthWise tool. Each article explains a concept, shows real numbers, and links to the calculator so you can apply it to your own finances.

Guide
How Compound Interest Works
Learn how compound interest grows your money exponentially. Understand the formula, see examples, and use our free compound interest calculator.
Read article
Guide
Debt Snowball vs. Avalanche Method
Compare the debt snowball and avalanche methods. Learn which strategy saves the most interest and which keeps you motivated.
Read article
Guide
FIRE Movement: Financial Independence, Retire Early
Learn about the FIRE movement, the 4% rule, and how to calculate your Freedom Number for financial independence and early retirement.
Read article
Guide
The 50/30/20 Budget Rule Explained
Master the 50/30/20 budget rule. Learn how to allocate 50% to needs, 30% to wants, and 20% to savings with practical examples.
Read article
Guide
How to Track Your Net Worth
Learn how to calculate net worth (assets minus liabilities), why tracking it matters, and how to grow it over time.
Read article

Learn personal finance.

How Compound Interest Works

Debt Snowball vs. Avalanche Method

FIRE Movement: Financial Independence, Retire Early

The 50/30/20 Budget Rule Explained

How to Track Your Net Worth