⚡
AI Wealth OS
AI Engine Ready
✨ New · PRO 3.0 Smart Engine

Every Dollar,
Planned by AI

Enter your income and expenses — get a personal cash-flow diagnosis, a 50/30/20 budget split, and a 10-year compound growth forecast in 30 seconds.

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Users Served
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Assets Analyzed
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Satisfaction
Gold (XAUUSD): $2,735.40 +0.82%
Treasury Yield: 4.18% -0.03%
Global Quality Index: 5,864.20 +1.15%
Inflation Hedge Allocation: 15% ~ 20%
Gold (XAUUSD): $2,735.40 +0.82%
Treasury Yield: 4.18% -0.03%
Global Quality Index: 5,864.20 +1.15%
Inflation Hedge Allocation: 15% ~ 20%
🧮 Smart Asset Allocation Model
PRO 3.0
$
$
Monthly Free Cash Flow: $2,400
Annual Savings Potential: $28,800
Savings Rate: 40.0% (Excellent)
$
🔴 Needs (50%) $3,000
🟡 Wants (30%) $1,800
🟢 Invest / Save (20%) $1,200
$
%
Projected in 3 Years: $40,163
Projected in 5 Years: $72,008
10-Year Compound Value: $174,086
📋 1-Minute Financial Health Quiz

Answer 3 questions to get your instant financial health score.

1. Can your emergency fund cover 3-6 months of expenses?
2. What share of your income goes to monthly debt payments (mortgage / auto / credit card)?
3. Do you keep a clear monthly budget and track your spending?
50
Health Score
Based on your answers, there's still room to optimize your financial structure.
✨ Core Features

One tool covering the full loop: see where you are → plan the split → project the future.

📊
Cash-Flow Diagnosis
Instantly compute free cash flow and savings rate — see exactly where your money goes.
🎯
Smart 50/30/20 Budgeting
Based on the classic rule, income is auto-split into needs, wants, and savings.
📈
Compound Growth Engine
Project your 3 / 5 / 10-year asset curve with a month-end annuity model.
🔒
Privacy-First, Local
Everything runs locally in your browser — no network requests, no data collected.
💬 What Users Say
Michael T. (Software Engineer) ★★★★★

"I earned well but never saved. After re-planning with the 50/30/20 rule, I finally hit my first $10K savings goal this year!"

Sarah L. (Product Manager) ★★★★★

"The compound projection is so intuitive — it completely changed my spending habits and got me investing monthly."

David R. (Freelancer) ★★★★☆

"With irregular income, planning is everything. The quiz flagged my thin emergency fund, and the report gave actionable fixes."

🔒 256-bit SSL Encryption • Local Privacy-First Computation
🧭 Get Started in 3 Steps
1
Enter Your Numbers
Fill in monthly income, fixed expenses, and planned investment — it takes 30 seconds.
2
Real-Time AI Analysis
Cash flow, budget split, and compound curves update live as you type.
3
Get Your Personal Report
Quiz-score-aware advice tells you exactly what to optimize next.
💎 Plans & Pricing

All core calculators are free forever. Upgrade only if you need more.

FREE
Free Forever
$0 / forever
  • ✓ 3 core calculators
  • ✓ Basic health quiz
  • ✓ Local privacy-first computation
  • ✕ AI personalized advice
  • ✕ Saved report history
POPULAR
PRO Member
$9 / mo
  • ✓ Everything in Free
  • ✓ AI personalized advice
  • ✓ Unlimited report history
  • ✓ Early access to new models
  • ✓ Priority support
❓ FAQ
No. All calculations run locally in your browser — no backend, no network requests, and data is cleared when you refresh.
Generally 30% or higher. Below 20%, review your fixed expenses first and cut low-value subscriptions and impulse spending.
Projections use the future value of an annuity formula (FV = P × ((1+r)^n − 1)/r × (1+r)). The annual return is an assumption — real markets fluctuate, and results are not a guarantee.
Free includes all core calculators; PRO unlocks AI personalized advice, unlimited saved reports, and early access to new models.