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WealthWise OS

Your AI Financial Operating System

Free AI-powered personal finance app featuring investment projections, debt management, budget optimization, FIRE calculations, and AI-driven financial advice powered by Google Gemini.

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verified_user 100% Free | No Signup Required | Privacy-First

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15+

Financial Tools

4.8

User Rating

20+

Currencies

Forever Free

Complete Financial Toolkit

Everything you need to take control of your finances, powered by AI and built for privacy.

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Investment Calculator

Compound interest calculator with detailed projections. See exactly how your investments will grow over time.

Compound interest projections
Multiple scenarios comparison
Visual growth charts
Inflation-adjusted returns

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Debt Payoff Planner

Snowball and avalanche strategies to eliminate debt faster. Know exactly when you'll be debt-free.

Snowball method
Avalanche method
Payoff timeline
Interest savings calculator

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Budget Optimizer

50/30/20 budget optimization with AI analysis. Get personalized recommendations for your spending.

50/30/20 rule automation
AI spending insights
Category breakdown
Monthly tracking

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FIRE Calculator

Calculate your "Freedom Number" — the exact portfolio size needed to retire early using the 4% rule.

Financial independence target
4% safe withdrawal rate
Retirement timeline
Coast FIRE calculations

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AI Financial Advisor

Google Gemini powered
Personalized advice
Context-aware responses
Multi-persona support

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Vision Board

Set financial goals with AI-powered cost estimation. Visualize your dreams and track progress.

Goal visualization
AI cost estimation
Progress tracking
Timeline projections

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Document Vault

Secure document storage with AI categorization. Keep all your financial documents organized and safe.

Encrypted local storage
AI categorization
Quick search
Export functionality

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Tax Planning

Business entity comparison and tax optimization strategies. Make informed decisions about your business structure.

Entity comparison (LLC, S-Corp, etc.)
Tax bracket analysis
Deduction tracking
Estimated payments

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Portfolio Tracker

Track your investments with asset allocation visualization. Monitor performance across all accounts.

Asset allocation
Performance tracking
Rebalancing alerts
Diversification analysis

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Bill Reminders

Never miss a payment with smart bill tracking and reminders. Keep your credit score healthy.

Payment reminders
Recurring bills tracking
Due date calendar
Payment history

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Receipt Scanner

OCR-powered receipt scanning for expense tracking. Automatically extract and categorize expenses.

OCR text extraction
Auto-categorization
Expense reports
Tax-ready exports

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Family Mode

Household budgeting for the whole family. Manage shared expenses and financial goals together.

Shared budgets
Multiple profiles
Family goals
Expense splitting

By The Numbers

Comprehensive tools for complete financial management.

Financial Tools

15+

Currencies

20+

Platforms

User Rating

4.8

Cost

Data Privacy

100%

AI Model

Gemini

Export Formats

CSV/PDF

Common Questions

Is WealthWise OS really free?

Yes! WealthWise OS offers a generous free tier that includes all core calculators, basic AI advice, and local data storage. No credit card required.

Is my financial data private and secure?

WealthWise is built local-first. Your financial data lives in your browser's encrypted localStorage — not on our servers. We never see, store, or have access to your numbers.

What is the FIRE calculator?

FIRE stands for Financial Independence, Retire Early. Our FIRE Engine calculates your "Freedom Number" — the exact portfolio size needed to sustain your lifestyle indefinitely using the 4% safe withdrawal rate.

How does the AI Advisor work?

The AI Advisor is powered by Google Gemini Pro and adapts its persona based on context. It provides personalized, actionable financial advice based on your profile stored locally in your browser.