Fully local personal wealth forecasting, built for you and your AI agents
Wealthos Local tracks your net worth, budget, financial goals, plans, and helps with financial forecasting — on a folder of files you own. Nothing of yours reaches our servers.
7-day free trial · then $50 / €45 once · Apple Silicon, macOS 12+
Windows version coming soon- Wealthos/
- accounts/
- checking-main.yaml
- savings-emergency.yaml
- savings-house-fund.yaml
- investments-brokerage.yaml
- pension-workplace.yaml
- goals/
- house-deposit.yaml
- trip-to-japan.yaml
- plans/
- home-purchase.yaml
- income.jsonl
- expenses.jsonl
- OVERVIEW.md
Every account in one number
Checking, savings, investments, pensions, property, crypto. Add what you own and Wealthos keeps one running total.
Plan ahead. See where you land.
Price the decision, set the target, and watch the years play out before you commit to anything.
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.
Price a big decision first
A move, a house, a sabbatical. Break it into line items, set a date, then turn the plan into a tracked goal.
Set a target. Watch it fill
Link a goal to an account and progress updates itself as your balance grows. Wealthos tells you the monthly number to hit the date.
The surplus that funds it all
Track income and expenses by category. What's left each month is the number every forecast and goal runs on.
And the numbers only you track
Describe a metric in plain words. Wealthos works it out and keeps it beside the built-in ones.
Ask your AI about your money
Your AI tools can connect to Wealthos locally on your machine. They can read balances, add entries, create financial plans, and run forecasts. Nothing goes online.
Nothing is sent online, and nothing else on your network can reach it.
Works with
Your money never reaches our servers
No account. No sign-in. Nothing of yours on our infrastructure, so there is nothing for us to read, sell, or lose. Below is exactly what does leave your Mac — and what happens when you point an AI at it.
Stays on your Mac
Your data lives as files in a folder you pick. It never touches our servers. We don't have access to it.
Works offline
The whole app runs with no connection. On a plane, off the grid — the only thing that wants a network is the exchange-rate refresh, and it falls back to the last rates it cached.
Nothing to breach
No account. No password. No company holding your data. We have nothing to leak because we have nothing of yours.
What actually leaves your Mac
Three network calls, and none of them carry your finances. Everything else stays in the folder you picked.
| What | Goes where | Exactly what is sent |
|---|---|---|
| Exchange rates | open.er-api.com | One three-letter currency code, e.g. “EUR”. Nothing about your accounts, balances or holdings. Cached for 12 hours and reused offline. |
| Licence activation | api.polar.sh | Once, when you enter your key: the key itself, our organisation id, and the label “Wealthos Desktop”. No name, no email, no machine identifier. |
| Update check | wealthos.cc | One anonymous GET for a static version file, at most once a day. No identifiers are sent, and nothing downloads or installs itself. |
Never sent, ever
- Your balances, transactions, goals or forecasts — none of it is sent anywhere by the app
- Analytics or telemetry of any kind: the local build ships without them, and the release check fails if any analytics code leaks in
- Any account, because there is no account to create
The part most pages skip
When you connect Claude Desktop, Cursor or any other AI client, the numbers it reads become part of that conversation — so they reach that model provider, exactly as if you had typed them in yourself. Wealthos never sees it. Their provider does.
This is the one part you can remove entirely. The server speaks plain stdio with no URL or API key, so a client running a model on your own machine — LM Studio, for one — connects to exactly the same 46 tools. Local file, local server, local model: then nothing leaves at all.
One-time purchase
€45
Buy once, use forever. No subscription, no renewal.
- All your accounts and net worth
- Income, expenses, and monthly surplus
- Goal tracking with live progress
- Financial planning
- Forecast simulator for life events
- Personal wealth metrics
- Local MCP server (46 tools)
- Free app updates within a year
Prefer everything in the browser, synced across devices? Wealthos Cloud has the same features, hosted by us.