Forecast your financial future
Wealthos helps you track your personal wealth, financially plan for life events, and forecast where you're heading.
Once you sign up, your accounts, income, expenses, and goals update these numbers automatically.
All your accounts in one dashboard
Privacy and security of your data
Forecasts of life's big decisions
Automatic currency conversion
Purpose built for humans and AI agents
Once you sign up, your accounts, income, expenses, and goals update these numbers automatically.
Financial clarity for your life
You’re building something. A career, a business, a life.
Your finances should help you move forward, not hold you back.
You're growing
You explore new opportunities. Your financial tools should keep up with your life.
You're international
Your finances span multiple countries and need one place to come together.
You dream big
You need a forecast for your ambitious goals, not a guess.
One number that matters
Your total net worth, always up to date. No spreadsheets needed.
Add all your accounts, see the total
Your money data, on your terms
Two ways to run Wealthos, same product either way. Keep everything on your own machine, or let it live encrypted in the cloud and reach it from anywhere.
Fully local
Wealthos Local is a desktop app over a folder you pick. All your financial data sit there as plain files. No user account, no sign-in, and it runs even offline.
- Your files never touch our servers
- No user account to sign up
- Your own AI tools read it over a local MCP server
Secure in the cloud
Wealthos Cloud keeps your data encrypted on EU-based servers, so you can open them on the web, on your phone, or from the AI tool you already use.
- Encrypted at rest, EU-based storage
- Never shared, never sold, never used for training
- Export or delete everything, whenever you want
Connect to your bank accounts if needed
If typing balances gets old, you can let a bank send them over through Open Banking, the EU standard for sharing financial data.
- Pick your bank from 3,000+ institutions across Europe.
- Safely log-in at your bank. We never see your credentials.
- Bank account balances arrive read-only. You can revoke access any time.
Wealthos cannot move money or change anything in your bank accounts.
What comes in. What goes out. What's left
Income, expenses, and your monthly surplus. All tracked side by side.
A clear view of your budget
Set goals. Track them automatically
Set a target and track progress automatically as your wealth grows.
Plan the big stuff before it arrives
Home purchase, wedding, sabbatical, career break. Break it down into line items, set a date, and see how much you need to save.
Put the years ahead on one timeline
Add the big things ahead of you. See how each one changes your money, and compare the ways life could go.
Simulation of life scenarios
- Total Balance
- Contribution
- Interest Return
- Expenses
Reaching Safety net takes €530 a month on top of the usual saving until Jul 2027. After that the plan goes back to normal.
In Wealthos these come from your tracked plans and goals.
Talk to your money
Ask questions. Run scenarios. Update anything.
Use Wealthos’ built-in AI assistant, or connect to your AI tool.
What’s my wealth?
Your total wealth is €49,600 across 7 accounts. That’s up 8.3% this month.
Save for a down payment on a house in 3 years
Done! I’ve created your House Down Payment goal.
You’re already 55% there. Save €1,550/mo to reach your target on time.
Am I on track for my vacation goal?
You’re 31% there. At your current pace, you’ll hit the target 2 months early. Keep it up!
Already chat with Claude, ChatGPT, or other AI tools?
Easily connect Wealthos with your AI tool. It reads your balances, runs forecasts, adds accounts, and tracks goals — all with your permission.
Works with any MCP-compatible AI tool. Same data. Same level of protection.
See the setup guideTrack exactly what you care about
Make a request about what your want to keep track of. Get a live metric on your dashboard.
Track for how long I could live on my savings if I stopped earning money
Done — I've added Runway to your dashboard. It divides your total balance by monthly expenses.
Simple, transparent pricing
One product, two ways to run it. Every plan includes a 7-day free trial.
Wealthos Local
A desktop app over a folder of files on your own machine.
7-day free trial · then pay one time
Download for macOSApple Silicon, macOS 12 or later.
Windows version coming soon
What you get, forever
- Forecast simulator with life events and scenarios
- All your accounts and net worth
- Income, expenses, and monthly surplus
- Goal tracking with live progress
- Financial planning
- Personal wealth metrics
- Local MCP server for your own AI tools
- Your data as plain files on your device
- Works fully offline
- No user account needed
- Free app updates within a year
- One licence covers up to 3 devices
Wealthos Cloud
Your data are securely stored and encrypted on EU servers.
7-day free trial · cancel anytime
Everything included
- Unlimited forecasts with life events on one timeline
- Side-by-side scenarios and unlimited saved simulations
- Unlimited financial plans with templates & monthly targets
- Goal tracking with live progress
- Income & expense tracking
- Multi-currency tracking with automatic conversion
- Personalized wealth metrics with AI-powered formulas
- Built-in AI assistant with 100 monthly credits
- Wealthos MCP with AI tools to all functionality
- Optional European bank connections with balance sync
- Bank-level security and encryption at rest
- EU-based data storage
- Designed with GDPR principles in mind