Financial planning that
never leaves your device.
Full-power retirement, tax, real estate, and investment modeling — with the math engine running entirely on your hardware. No bank credentials on any server. No SaaS company holding your net worth data.
Built for households that take privacy seriously
Empower and Monarch are excellent products — if you're comfortable handing your bank credentials to a third party. WealthWhiz is for the household that isn't.
Your data never leaves your device
The math engine runs natively on your hardware. Raw financial data — account balances, salaries, debts — is never transmitted to any server, ours or anyone else's. The app works fully offline.
Read our privacy policyMath you can read and verify
Every projection formula, tax bracket calculation, and Monte Carlo implementation is open-source. If you're skeptical of how a number is computed, you can read the exact code producing it — no black box.
View math engine on GitHubBuilt for households, not corporations
Dual-earner Social Security modeling, spousal asset sharing, real estate up to 3 properties, Roth conversion ladders, estate tax planning, college funding, and a 50-state tax engine. Depth that individual investors actually need.
Explore every featureFrom zero to a full plan in minutes
No account creation. No bank credentials. No data upload. Just open the app and start modeling.
Open the app, enter your numbers locally
Type in income, savings, debts, and assets directly on your device. The app is a local file, not a web form submitting data somewhere. Nothing is transmitted during input.
The engine runs projections on-device
Year-by-year net worth, retirement drawdown, tax-aware rebalancing, Monte Carlo scenarios — all computed locally using the open-source math engine. Results are instant, no server round-trip.
Iterate on scenarios, export what you need
Adjust assumptions, compare bull/bear/base, run sensitivity sliders. When you're ready, export a PDF summary or raw data. Your plan file lives on your device, encrypted if you choose.
Everything a serious household needs
Retirement modeling, Monte Carlo simulation, 50-state tax engine, real estate scenarios, Roth conversion ladders, estate tax, and more — none of it requiring an internet connection.
Projection Engine
Year-by-year net-worth in nominal and real terms. Bull, base, and bear scenarios side-by-side.
Retirement Planning
Sustainable withdrawal rate, drawdown sequencing, depletion-risk detection, "years until you can retire."
Real Estate
Up to 3 properties with mortgage P&I, rental income, refinance/sell events, and appreciation modeling.
Monte Carlo
Thousands of market-sequence simulations to compute a realistic success probability for your retirement plan.
50-State Tax Engine
Federal MFJ progressive brackets, all 50 states + DC, FICA — all inflation-adjusted forward through time.
Privacy Architecture
File-on-device. Offline-capable. Optional anonymized LLM advisor. One-tap export and delete.
Free to start. Priced fairly.
The Free tier is a fully functional financial planning app — no credit card, no trial countdown. The paid tiers add encryption, bank sync, PDF reports, spousal sharing, and a managed LLM advisor.
A one-time Lifetime license is capped at 1,000 per year for those who prefer to pay once and never think about it again.
Your financial plan, on your terms.
No account required. No bank credentials. No data upload. The full app runs in your browser right now — or download for desktop when it ships.