WealthWise OS

Introduction to WealthWise OS

WealthWise OS is a personal finance operating system that combines planning calculators with an AI advisor to help individuals and families project wealth, manage debt, optimize budgets, and plan for financial independence. It is designed for users who prefer long-term planning and scenario analysis over retrospective tracking.

The platform runs in the browser with a local-first architecture. Core data is stored locally and can be exported or deleted at any time. AI capabilities are powered by Google Gemini models (Pro and Flash variants) through Google’s enterprise API. Core calculators work offline; AI features require an internet connection.

Key Takeaways

• AI-assisted wealth projections, debt payoff simulations (snowball and avalanche), and F.I.R.E. planning using established assumptions (e.g., 4% withdrawal rate)
• Budget optimization with 50/30/20 automation and intent-based categorization; wealth leak detection based on long-term opportunity cost
• Context-aware AI financial advisor with voice input and module-specific guidance (e.g., investments, debt, budgeting)
• Local-first data storage with encryption, export/delete controls, and privacy practices aligned with GDPR/CCPA
• Secure Vault for local document storage with AI auto-categorization (receipts, tax forms, statements)
• Pro features include SWOT-based market intelligence, PDF wealth reports, and tax scenario modeling
• Family plan supports up to four profiles with shared dashboards and combined net worth views
• Offline support for core calculators; CSV import/export for budgets and transaction data

How WealthWise OS Works

Users begin by entering income, savings, debts, and goals or by importing data via CSV or pasted text. The Budget Optimizer categorizes expenses by intent (needs, wants, savings) and applies the 50/30/20 framework. The system flags potential "Wealth Leaks" by calculating the long-term opportunity cost of recurring expenses.

Planning modules run projections and simulations. The Wealth Projector models compound growth to estimate timelines for goals. Debt Destroyer compares snowball and avalanche strategies and rolls payments as balances are cleared. The F.I.R.E. Engine estimates a target portfolio using the 4% rule and stress-tests plans against inflation and market drawdowns. The AI Advisor uses the user’s local profile to provide context-aware explanations and recommendations; it does not execute decisions on the user’s behalf.

Data remains in the browser’s local storage by default. When AI features are used, only the minimum context needed for processing is sent to the Gemini API. Users can export their data to CSV or clear all local data. Core calculators function without internet access; AI chat, parsing, and market analysis require connectivity.

Core Benefits and Applications

• Long-term wealth planning: Estimate time to reach savings milestones and retirement readiness under conservative, moderate, and aggressive scenarios.
• Debt reduction planning: Determine the fastest or most cost-effective payoff strategy and quantify interest saved and payoff dates.
• Budget discipline: Apply the 50/30/20 rule automatically, categorize spending by intent, and identify high-impact expense reductions.
• Early retirement analysis: Calculate a F.I.R.E. target and test resilience to inflation and market shocks.
• Documentation and reporting: Store financial documents locally, auto-categorize files, and generate PDF wealth reports (Pro).
• Market and tax exploration: Use SWOT analysis for market perspectives and model tax scenarios (Pro); business entity comparisons (e.g., LLC vs S-Corp) are included in planning tools.
• Collaboration: Create up to four profiles under the Family plan with a shared household dashboard and combined net worth view.
• Practical safeguards: Zen Mode obscures monetary values on shared screens; privacy controls support export and full deletion.

Pricing Overview

Notes: 14-day free trial available for Pro and Family; 30-day money-back guarantee; cancel anytime. Bank integrations via Plaid are planned for Q1 2025. WealthWise OS is not a registered investment advisor; projections are not guarantees and should be used as planning tools.