WealthX
App Store

WealthX 2.3 for iOS

A clearer structure for personal finance.

Accounts, budgets, transactions, investments, goals, and cash flow—organized in one iOS workspace, so everyday decisions and long-term plans stay connected.

View on the App Store Explore features Read privacy policy
Manual-first finance app Budget + investment tracking Recurring money flows Import and export workflows

Feature map

Different jobs for money. One clear system.

Daily spending, travel, family, side projects, long-term goals, and investments can keep their own boundaries while still belonging to one system.

01

Flexible budgets

Plan by month, quarter, year, or project-like context.
02

Scenarios

Keep travel, family, side projects, and other contexts clear.
03

Flows

Reuse common income, expense, transfer, and refund patterns.
04

Investments

Review holdings, trades, deposits, withdrawals, and value.
05

Goal Tracker

Connect budgets and accounts to longer-term targets.
06

Insights and map

Use search, trends, charts, and Cashflow Map to see patterns.
07

Widgets

Surface selected finance status in daily routines.
08

Import, export, privacy

Keep long-term records portable and under your control.

Product details

Built for the whole financial picture.

Daily records, recurring patterns, long-term goals, investments, and portable data stay connected without collapsing into one noisy view.

Budgets

Shape a budget around the job it needs to do.

Budgets are not limited to one flat monthly view. WealthX helps you plan across the periods and contexts that match how your money is actually used.

  • Review budget progress by different time frames.
  • Switch between scenarios without rebuilding your records.
  • Keep context-specific budgets and insights readable.
Scenarios

Give each part of life its own context.

Travel, family, side projects, pets, education, or personal growth can have their own scenario, so budgets, accounts, and insights do not collapse into one noisy view.

WealthX smart budget screen WealthX scenario switch screen
Flows

Reuse the pattern. Confirm the real amount.

Flows speed up common expenses, income, transfers, refunds, and recurring bills without turning WealthX into a bank-sync app.

  • Save repeated entries as structured templates.
  • Use planned Flows for recurring bills that still need manual review.
  • Reduce repeated input while keeping control over each record.
WealthX Flow management screen
Goal Tracker

Keep today’s records connected to tomorrow’s plans.

Goal Tracker helps you follow savings goals and financial targets with linked accounts, milestones, and progress views.

  • Link goals with accounts to keep status grounded in records.
  • Review holdings and account value in one place.
  • Understand long-term assets alongside budgets and goals.
Investments

See investments beside everyday money.

WealthX tracks investment accounts, holdings, trades, deposits, withdrawals, buys, sells, market value, and performance views without presenting investment advice.

WealthX goal tracker detail screen WealthX investment overview screen
Insights and Cashflow Map

See the same money from more than one angle.

Search, trends, distributions, and Cashflow Map make it easier to understand spending habits, budget progress, and money movement at a glance.

  • Search across transactions, accounts, budgets, holdings, and Flows.
  • Use charts to inspect trends and distributions.
  • Use Cashflow Map when location permission is granted.
WealthX chart overview screen WealthX Cashflow Map screen
Widgets

Keep the right status within reach.

Widgets help surface selected budgets, reminders, and financial status without requiring you to open the app for every glance.

  • Keep important budget signals close to daily routines.
  • Use widgets as lightweight reminders, not financial advice.
  • Connect app structure with system-level visibility.
WealthX widgets screen

Questions people ask

Is WealthX the right personal finance app for this job?

These answers are written for people and for search systems that need to understand what WealthX is, what it is not, and how it fits a manual-first finance workflow.

What kind of finance app is WealthX?

WealthX is a manual-first personal finance workspace for iOS. It organizes accounts, budgets, transactions, investments, goals, scenarios, Flows, charts, widgets, and data transfer workflows.

When does it help most?

It helps when one monthly budget is too simple for real life. Travel, family, side projects, pets, education, investments, and daily spending can stay structured without becoming separate spreadsheets.

What does WealthX avoid promising?

WealthX does not promise guaranteed savings, investment advice, bank-level security, or fully automatic bank sync. It focuses on clear structure and user-controlled records.

Is WealthX only a budget tracker?

No. Budget tracking is one part of the workspace. WealthX also tracks accounts, transactions, scenarios, Flows, investments, goals, insights, Cashflow Map, widgets, and import/export workflows.

How is budget tracking different from cash flow tracking?

A budget helps plan limits and targets. Cash flow shows how money moves over time. WealthX keeps both visible so planning and actual movement can be reviewed together.

What are scenarios in WealthX?

Scenarios are separate finance contexts such as travel, family, side projects, pets, education, or personal growth. They keep related records clear without forcing every part of life into one view.

What are Flows?

Flows are reusable patterns for repeated income, expenses, transfers, refunds, and recurring bills. They reduce repeated entry while keeping records manual and reviewable.

Can WealthX track investments with daily spending?

Yes. WealthX can track investment accounts, holdings, trades, deposits, withdrawals, buys, sells, market value, and performance views alongside budgets and everyday transactions.

Does WealthX require automatic bank sync?

No. WealthX is manual-first and supports import/export workflows. It is designed for people who prefer direct control over their finance records.

Can I export my data?

WealthX supports data transfer workflows so records can remain portable for migration, backup habits, or personal review outside the app.

How does WealthX approach privacy?

WealthX keeps finance records on your device or in your private iCloud database. iCloud sync is optional on iOS and required for WealthX Pro on macOS; WealthX services process only the limited account and subscription metadata needed to verify access.

Data and control

Privacy Policy

This policy covers WealthX on iOS and macOS. Your finance records remain under your control; WealthX services process only the limited account and subscription metadata needed to verify access.

Effective date: 2026-07-14 Applies to: WealthX for iOS and macOS

1. Finance records and optional permissions

WealthX works with personal finance records that you create or import, including accounts, transactions, budgets, scenarios, Flows, investments, goals, chart settings, icons, and related notes.

  • Finance records are stored on your device or in your private iCloud/CloudKit database. They are not uploaded to the WealthX account and subscription service.
  • Location is optional and is used for Cashflow Map only when you grant permission.
  • Custom images, emoji, and system symbols are used for personalization only when you choose them.
  • On iOS, you can choose whether to enable iCloud sync. On macOS, WealthX Pro requires an available iCloud account and keeps CloudKit sync enabled while the workspace is unlocked.

2. Account and subscription information

To verify WealthX Pro access and support entitlements across supported platforms, WealthX processes limited account and subscription metadata.

  • Account metadata may include an internal WealthX user ID, an Apple-verified App Transaction identifier, a SHA-256 one-way digest derived from the current CloudKit user record identifier, an app account token, a hashed session token, platform, and verification timestamps.
  • Subscription metadata may include Apple or Stripe purchase and subscription identifiers, product, plan, status, expiry, trial state, verification timestamps, and a Stripe customer identifier when Stripe applies.
  • The raw CloudKit user record identifier and signed App Transaction are processed to verify the account but are not retained in raw form.
  • WealthX does not receive payment-card or bank-account details entered with Apple or Stripe.

3. How this information is used

Account and subscription metadata is used only to authenticate sessions, verify or restore Pro access across supported platforms, prevent conflicting account claims, maintain entitlement status, provide account support, and carry out account deletion. WealthX does not use this information for advertising or tracking.

4. Service providers and disclosure

Apple provides App Store, StoreKit, and iCloud/CloudKit services. Stripe processes Stripe subscriptions when applicable. Render hosts the WealthX account and subscription service and may process network request metadata. We do not sell personal finance data or account metadata. Information is disclosed only as needed to operate these services, when required by law, to protect rights and safety, or at your request.

5. Storage, security, and retention

Finance records remain on your device or in your private iCloud database. WealthX limits the account and subscription metadata it stores, and hashes tokens or encrypts credentials where appropriate. This metadata is retained while your WealthX account exists or as reasonably needed to operate and secure the service, meet legal obligations, or resolve disputes. No digital system should be treated as risk-free.

6. Import, export, locking, and deletion

You control import and export workflows. Locking WealthX hides finance data and stops app access to CloudKit, but does not delete the underlying records. After a confirmed WealthX account deletion succeeds, WealthX removes the server-side account, sessions, entitlement records, App Transaction/CloudKit binding, applicable legacy installation mapping, and pending Stripe Checkout state.

  • Deleting a WealthX account does not cancel an Apple or Stripe subscription. Manage or cancel each subscription through its billing provider.
  • Local and private-iCloud finance records remain after account deletion. You can manage or remove them separately in WealthX or through Apple platform settings where applicable.
  • Files you export are external copies under your control. Locking or deleting WealthX does not remove those files.

7. Children

WealthX is not intended for children below the age required by local law to manage personal finance records without appropriate consent.

8. Contact

For privacy questions, contact us at ericdai2013@gmail.com.

Give your money a clearer structure.

Bring daily spending, goals, investments, scenarios, and recurring money flows into one iOS workspace without giving up the boundaries that keep them understandable.

View on the App Store