WealthX brings accounts, budgets, transactions, goals, investments, and cashflow insights into one precise, intuitive system. When you need it, the next step is already there.
The complete system
Daily money, long-term plans, assets, liabilities, and the contexts around them stay connected without losing the boundaries that make them understandable.
See cash, accounts, cards, investments, assets, liabilities, and multiple currencies together.
Plan different time frames and life contexts without forcing everything into one month.
Record income, expenses, transfers, refunds, recurring transactions, and reusable Flows.
Keep one payment, its purposes, and what happened afterwards connected.
Follow long-term progress and investment records beside everyday money.
See trends, Change, Concentration, Structure, distributions, and location patterns.
Find records across the system and use supported import, export, and backup paths.
Keep useful status close and your records under your control.
WealthX 3.0
WealthX brings likely next steps forward, helps you review what deserves attention, and leaves every financial decision in your hands.
Smart Flows use recent activity and spending frequency to bring likely Flows forward. Choose a Flow, enter the amount, and the record is done.
Smart Budget analyzes historical transactions and current budgets, then suggests a future category amount or time frame that may make progress more meaningful and measurable.
Everyday life, travel, family, and projects can keep their own purpose and boundaries. Scenarios express those contexts through budgets and do not bind directly to an Account.
Split one actual payment across multiple budgets, then keep shared-expense repayments, reimbursements, and full or partial refunds linked to the original transaction.
Turn more data into clearer questions. Review trends, distributions, Change, Concentration, and Cashflow Structure, or see location patterns in Cashflow Map when permission is granted.
Set goals for saving, debt repayment, and asset purchases, then follow progress with linked accounts and milestones.
Track accounts, holdings, trades, deposits, withdrawals, buys, sells, and market value for records and context. WealthX does not provide investment advice, predictions, or return guarantees.
Most pages have been redesigned to put focus where it belongs. Distinct symbols show recurring, refunded, and completed transaction status, while consistent menu icons make actions easier to recognize at a glance.
Cashflow Calendar and Spending Heatmap widgets are now available to Free users, keeping daily activity visible without opening WealthX for every glance.
Search across the system, use currently supported import, export, and backup paths, and keep a portable copy when you need one.
Clear answers
A concise, first-party view of the product, its 3.0 intelligence, and the boundaries that keep financial records reviewable.
WealthX is a structured personal finance system for iPhone and iPad. It connects accounts, budgets, transactions, Scenarios, Flows, goals, investments, search, insights, widgets, and portable data.
Smart Flows bring likely entries forward, Smart Budget offers reviewable suggestions, Split Bill keeps one payment clear across budgets, and richer cashflow views show what deserves attention.
Suggestions do not silently change financial records. Investment information remains records and context—not advice, predictions, or return promises. Storage and sync depend on platform and settings.
No. WealthX is a structured personal finance system for accounts, assets and liabilities, multiple currencies, budgets, Scenarios, transactions, Flows, goals, investments, search, insights, maps, widgets, and data control.
Smart Flows use recent activity and spending frequency to show Flows you may need. You choose a Flow, enter the amount, and confirm the record.
No. It analyzes historical transactions and current budgets to suggest an amount or time-frame change. Every suggestion is reviewable and applies only after you confirm.
No. Scenarios express everyday life, travel, family, and project contexts through budgets. They do not create a direct Scenario-to-Account relationship.
Split Bill allocates one actual payment across multiple budgets. Repayments, reimbursements, and full or partial refunds can stay linked to the original transaction. This is not collaboration or automated settlement.
No. WealthX can track investment accounts, holdings, trades, deposits, withdrawals, buys, sells, and market value for records and context only.
Cashflow Calendar and Spending Heatmap widgets are available to Free users, alongside basic views. Availability of other views and features depends on access.
Yes. WealthX provides search across key record types and currently supported import, export, and backup paths. Depending on platform and settings, records remain on your device or in your private iCloud database.
Data and control
Your finance records remain under your control; WealthX services process only the limited account and subscription metadata needed to verify access.
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.
To verify WealthX Pro access and support entitlements across supported platforms, WealthX processes limited account and subscription metadata.
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.
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.
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.
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.
WealthX is not intended for children below the age required by local law to manage personal finance records without appropriate consent.
For privacy questions, contact us at ericdai2013@gmail.com.
Bring everyday records, long-term plans, and the cashflow signals worth noticing into one clear WealthX workspace.
