Budget, track expenses, watch your net worth grow, plan for retirement, and crush debt — with a financial health score that tells you exactly what to fix next. Free to run, and share it with your household without giving up your privacy.
No spreadsheets, no bank fees, no upsells — just the tools that actually move your net worth.
Set spending buckets, track them against real transactions, and see exactly what's left before payday.
Log purchases in seconds, set up recurring bills to auto-post, or import a statement and categorize in bulk.
Every asset and liability in one ledger — cash, property, investments, retirement — with a live breakdown by type.
Set a target and a monthly contribution — WealthierOS tells you exactly when you'll get there.
See the real payoff horizon and total interest on every loan and card, so extra payments go where they count.
Project every account forward with compounding and contributions, benchmarked against your target retirement age.
Share a household budget and expenses with a partner or family — personal accounts stay completely private.
A full financial snapshot — budget, net worth, goals, debt, retirement — generated and downloaded in seconds.
Your financial data is encrypted with AES-256-GCM before it ever touches the database. Not even a breach reveals it.
Five weighted pillars — savings rate, emergency fund, debt-to-income, retirement progress, and net worth — rolled into a single 0–100 score with a letter grade. Every pillar comes with a plain-English reason and the one thing to fix next.
Check your scoreEmail verification, encrypted from the first click — no card required.
Income, buckets, accounts, debts, goals — or import a CSV and go.
Every change updates your health score in real time, on any device.