The operating system for your money
WealthWise OS
User & Onboarding Guide
A calm, AI-aware command center that replaces six apps, three spreadsheets, and a notebook. This guide walks every surface — what it solves, how to use it, and the non-obvious moves that turn it into a daily habit.
Start here
Three-minute tour
The fastest possible walkthrough — what you’ll actually use on day one.
- Sign up and complete the 7-step welcome wizard. Three numbers matter most: your take-home pay, your debts, your goals.
- Land on the Dashboard. You’ll see your Net Worth, FIRE progress, and your top actionable insight at the top.
- Add your real numbers — debts on
/debt, holdings on/portfolio, monthly take-home on/budget. Five minutes of typing replaces a year of guessing. - Open the AI Advisor (the green
+button on every page). Ask it anything — “Should I pay down the credit card or invest?” — and it answers with your numbers in context.
That’s the whole loop. Everything else in this guide is depth on demand.
Part 01 · Getting started
The onboarding walkthrough
Your first five minutes. WealthWise OS opens with a seven-step welcome wizard that collects only what it needs to be genuinely useful — then hands you the keys with a local encryption setup. Here is every step, in order.
Welcome
A calm one-screen intro. No 12-field signup wall — WealthWise OS asks for exactly the numbers it needs to be useful on day one, and nothing it does not.
Fig. 01
Work
Tell it how you earn — employed, self-employed, or a blend. This single answer reshapes the rest of the app: self-employed users unlock quarterly tax estimates; W-2 users get withholding tracking.
Fig. 02
Income
Gross and take-home. Alex enters $77,800 gross / $5,000/mo take-home. Every projection, budget split, and FIRE timeline downstream is anchored to these two numbers.
Fig. 03
Savings
Current cash, emergency fund, and what you set aside each month. This seeds your savings rate — the single biggest lever on your FIRE date.
Fig. 04
Debts
Add each balance, APR, and minimum. This is where WealthWise OS earns its keep — those three fields drive the snowball/avalanche math and your real debt-free date.
Fig. 05
Debts, entered
Alex’s three real debts in place: Auto $18.4k @ 6.9%, Credit Card $4.2k @ 22.9%, Student $12.1k @ 5.5%. The 22.9% card is already flagged as the avalanche priority.
Fig. 06
Goals
What is the money for? A house, a trip, a retirement date. Goals become anchors the AI advisor reasons against — not just a number, but a reason.
Fig. 07
Summary
A one-screen recap before you commit. Everything you entered, editable in place. No surprises, no buried defaults.
Fig. 08
Encryption setup
The trust moment: you create a local encryption password (AES-256) that WealthWise OS never stores — not on disk, not in the cloud. Your data, your key. Same threat model as 1Password and Signal.
Fig. 09
Part 02 · The command center
The Dashboard
The only page you need open if you have 60 seconds. Instead of dumping fourteen charts on you, the Dashboard answers one question — what should I do today? — in a single screen.
Your morning briefing, in one screen
- The headline insight — the single most useful thing the AI spotted in your data this morning (here: “You’re spending 100% on wants — overspending by $3,500”). Click it to jump straight to the fix.
- Net Worth — assets minus liabilities, computed live from every cloud collection. Alex lands at −$19,700 (≈$15k holdings − $34.7k debts).
- FIRE dial — your single most motivating number: where you sit on the path from $0 to 25× annual expenses.
- Sidebar status — your name, plan tier, sync state, and a one-click Zen mode toggle for distraction-free work.
Part 03 · Plan & project
Calculators that pay for themselves
Six interactive models, each anchored to your real numbers and each wired to the context-aware AI Advisor.
Calculator
Investment projection
Punch in your starting principal, monthly contribution, expected real return, and time horizon. WealthWise OS projects the compound curve, the inflation-adjusted purchasing power, and the year-by-year balance.
Persona example: Alex’s $15k starting principal + $600/month at 7% real for 27 years → ~$697k in 2026 dollars. The chart shows where compounding takes over (year 12) and where contributions stop mattering (year 20+).
Debt manager Snowball / Avalanche
Three columns of data, two strategies, one debt-free date.
- Snowball — smallest balance first (CC $4.2k → SL $12.1k → Auto $18.4k). Faster early wins, more motivation, slightly higher total interest.
- Avalanche — highest APR first (CC 22.9% → Auto 6.9% → SL 5.5%). Strictly lower total interest, slower early wins.
Budget optimizer 50 / 30 / 20
- Needs (50%) — housing, utilities, groceries, insurance, transportation.
- Wants (30%) — dining, entertainment, subscriptions, personal.
- Savings & debt payoff (20%) — emergency fund, retirement, debt minimums.
The AI expense parser is the killer feature: paste a bank statement or a messy list (“Rent $1500, Groceries $400, Netflix $15…”) and Gemini sorts it into the right buckets in seconds. Active alerts fire the moment you blow a category — a fix you can act on, not a notification you ignore.
F.I.R.E. calculator
Enter your age, annual expenses, current invested net worth, and savings rate. WealthWise OS computes your FIRE number (typically 25× annual expenses — the 4% rule), your years to FIRE, and a sensitivity curve for trimming expenses or adding contributions.
Vision board
Two weeks in Japan. A Tesla Model Y. A sabbatical at 50. Attach an estimated cost, a target date, and (for places) a Google Maps lookup so the goal feels real. The advisor uses these as anchors: “Your Japan trip in 2028 means $375/month set aside in a high-yield savings account today.”
Tax planner
Self-employed? Estimate liability from YTD income, project payments, and track every quarterly deadline against the live IRS schedule — no spreadsheets. W-2 employees see effective rate, marginal rate, and whether withholding is on track for a refund or a bill.
Part 04 · Live tracking
Your money, in motion
What is actually happening with your money — holdings, bank feeds, bills, receipts, reports, and shared family views.
Tracking
Portfolio holdings
Track every asset across every account in one view — stocks & ETFs with auto-updated prices from the live market-data proxy, crypto (Alex holds 0.025 BTC @ $67,500), bonds, REITs, mutual funds, and more. The AI portfolio analysis button hands your allocation to Gemini for a diversification and concentration-risk report.
Banking Teller
Bills tracker
Rent, debt minimums, insurance, subscriptions — all in one list. WealthWise OS warns you three days before a non-autopay bill hits, so nothing surprises you.
Receipts
The original image is stored encrypted in your Vault — IRS-ready, categorized, and matched by amount and merchant automatically.
Reports
Each report rolls up cash flow, net-worth delta, top categories, and savings rate — then explains the movement in plain language.
Family mode
Share net worth without sharing individual transactions. Everyone gets their own login and encrypted vault, plus a shared view of joint accounts, debts, and goals.
Part 05 · Analytics & AI
The long arc, and the weekly brief
Where your money has been, where it’s trending, and what the AI thinks you should do about it this week.
Analytics
Net worth tracker
Snapshots are automatic. The stacked view shows whether debt paydown or asset growth is actually moving the needle.
Trends
Where is your money going, and how is that changing? “Dining out is up 28% this month — that’s $220.” Holiday spikes and summer travel are recognized, not flagged as anomalies.
AI insights
Gemini reviews your debts, holdings, budget, goals, recent transactions, and life events, then writes a three-bullet briefing. Free tier: 10 insights/month. Pro: unlimited.
Calendar
What-if scenarios
What if I get a $10k raise? Buy the house at $300k vs $250k? Extend the auto loan to 60 months? WealthWise OS recalculates your whole trajectory against your current path.
Part 06 · Specialty surfaces
Market context & the builder’s toolkit
Two surfaces beyond the core money loop — read-only market intelligence and an SEO/GEO auditor for the builders in the audience.
Specialty
Market intelligence
The page is deliberately read-only: WealthWise OS doesn’t push you to trade. It gives you context — the Fear & Greed index, upcoming earnings, CPI/FOMC/NFP dates — so you can make informed decisions about your existing strategy.
SEO tool
A bonus surface for builders — especially useful if you publish content from your WealthWise OS notes.
Part 07 · Personal data
Your second brain
Encrypted, searchable, and surfaced to the AI advisor when it needs context — notes, documents, and a free-form workspace.
Personal data
Notes (Notebook)
Tax estimates, research, debt-payoff plans, SEP-IRA vs Solo 401(k) comparisons. Everything is encrypted, searchable, and pulled into the advisor’s context when relevant.
Vault
W-2s, 1099s, receipts, K-1s, tax returns, insurance policies. The Vault is the file cabinet — searchable, exportable, and never indexed by a third party.
Workspace
A power-user surface for a free-form view of everything: sketch a plan, link the pieces, keep it all in one place.
Part 08 · Account & security
Sign-up, encryption, and your plan
How you get in, how your data stays yours, and what each tier unlocks.
Account
Signing up
Profile + plan tier
Part 09 · Public surfaces
The front door
The pages prospective users meet first — and the in-app guide that mirrors this very document.
Public
Landing page
Pricing
Blog
Learn library
In-app user guide
Part 10 · Mastery
Pro tips
The moves that turn WealthWise OS from “another finance app” into the only one you open every morning.
Pin your dashboard
It’s built to load fast and stay open. Treat it like your inbox — first thing in the morning, last thing before bed.
Set up Zen mode
Bottom-left of the sidebar. Strips the dashboard to Net Worth, FIRE, and today’s insight. Use it when you want clarity, not data.
Use the AI Advisor everywhere
It’s context-aware — on Debt it knows your debts; on Portfolio your holdings; on Budget your categories. Same + button, a different specialist on every page.
Tag notes with project codes
Tags like #fire-2050, #tax-2026, #vacation-japan let the advisor pull the right notes into context when you ask related questions.
Vision Board for non-numeric goals
“Two weeks in Japan” motivates more than “$48,000 saved.” WealthWise OS converts the dream back into a monthly savings target.
Snapshot net worth quarterly
Even though it’s auto-tracked, manually pinning a quarter-end snapshot gives you anchor points for the year-over-year story.
Connect Teller for hands-off categorization
Once your bank is linked, transactions flow in and the AI categorizer handles 90%+ correctly. You only review the edge cases.
Run What-if before every big decision
New car, refinance, a move, a contract gig. Five minutes in /whatif is worth five months of regret.
Export everything regularly
Reports → Export → CSV. Your data, in your file system, readable by every other tool. WealthWise OS is never a lock-in.
Keep your encryption password physical
A safe, a sealed envelope, a hardware key. Losing it is recoverable but painful — a written copy in a secure place turns “painful” into “not a thing.”
Need help?
+ button — handles 90% of “how do I…” questions./guide route — same content as this document.WealthWise OS — User & Onboarding Guide · v1.0 · updated 2026-05-28. Screenshots captured against the Alex Reeves persona at production parity. A Strategia-X product.