Features — WealthWhiz

Privacy Architecture

The foundational constraint that shapes every design decision: your raw financial data never leaves your device. This is not a marketing claim — it is a technical property enforced by the architecture.

File-on-device storage Your plan is a local file, not a cloud record. You own the file, you choose where it lives, and you can open it without an internet connection — permanently.

Raw data never transmitted Account balances, salaries, debts, and asset values are never sent to any server — ours or a third party's. There is no data ingestion pipeline on the backend.

Open-source, auditable math engine Every formula is published on GitHub. Tax brackets, Monte Carlo logic, projection algorithms — you can read, fork, and verify the exact code computing your results.

Optional anonymized LLM advisor If you enable the AI advisor, only anonymized, aggregated summaries are sent to the LLM endpoint — never account numbers, names, or raw balances. You can also self-host with any OpenAI-compatible API key.

Local-only mode Disable all network access at the OS level and WealthWhiz continues to function identically. No hidden telemetry calls, no "phone home" on update checks when offline.

One-tap export and delete Export your entire plan as a portable JSON or CSV at any time. Delete locally with one tap — no need to contact support to purge a backend database that doesn't exist.

Projection Engine

A deterministic, year-by-year financial model that compounds every variable — income, savings rate, expenses, market returns, taxes, debt payoff, and real estate — forward through time.

Year-by-year net-worth projection See exactly how your assets and liabilities evolve every year from today through an age you define — with all income, expenses, debt payoff, and investment growth compounded correctly.

Nominal and inflation-adjusted (real) views Toggle instantly between nominal dollar projections and real (today's purchasing power) projections. The inflation rate is a configurable assumption, not a hard-coded constant.

Bull, base, and bear scenarios Define distinct return assumptions for optimistic, base, and pessimistic markets. Compare all three curves side-by-side in a single chart or table.

Sensitivity sliders Drag any assumption — inflation, equity return, savings rate — and watch projections update instantly. Understand which inputs your plan is most sensitive to.

Retirement Planning

Not just "how much do I need" — but a full drawdown model that accounts for tax, Social Security timing, inflation, and sequencing risk through and beyond retirement.

Retire-age planning Set a target retirement age and see whether your current trajectory supports it. Adjust savings rate, spending, or target age to find a viable path.

Sustainable withdrawal rate Compute a safe annual withdrawal given your asset mix, expected returns, and planning horizon. The engine accounts for tax drag on withdrawals — not just the gross rate.

Drawdown sequencing Model which account type to draw from first — taxable, traditional IRA, Roth — to minimize lifetime tax burden while sustaining spending. Integrates with the Roth conversion ladder planner.

Depletion-risk detection The engine flags the projected year your portfolio falls below a defined floor (or zero), so you can see exactly how much buffer you have under downside assumptions.

"Years until you can retire" indicator A live counter that recalculates every time you change an assumption. Concrete, unambiguous, and tied to your actual numbers rather than a generic rule of thumb.

Roth conversion ladder planning Model year-by-year Roth conversions during low-income years to reduce RMDs and future tax exposure. The engine computes the tax cost of each conversion in context.

Monte Carlo Simulation

Stochastic modeling to answer the question a deterministic projection can't: what is the probability that my plan survives a realistic range of bad market sequences?

Success-probability score Runs thousands of simulations with randomized annual returns drawn from your configured distribution. Reports the percentage of runs that reach your target without portfolio depletion.

Sequence-of-returns risk Monte Carlo naturally captures the danger of a bad market in the first years of retirement — the scenario most harmful to a portfolio that deterministic models systematically understate.

Configurable return distribution Set mean return and standard deviation per asset class. The engine uses these parameters to draw annual returns, giving you control over the assumptions rather than hiding them.

All computation is local Running thousands of simulations requires real computation. WealthWhiz does it on your CPU — no server, no queuing, no waiting for a backend job to complete.

Tax-Aware Modeling

A complete federal and state income-tax engine built into every projection — not a post-hoc estimate, but a computation that correctly sizes your after-tax income at every future year.

Federal MFJ progressive brackets All ordinary income brackets for Married Filing Jointly, applied correctly to each taxable income layer. Long-term capital gains and qualified dividends taxed at the appropriate preferential rates.

All 50 states + DC State income tax for every US jurisdiction, including states with flat rates, graduated brackets, and no income tax. The correct bracket structure for your state is applied automatically.

FICA (Social Security + Medicare) Employee and employer-side FICA computed correctly, with the Social Security wage base indexed forward through time using the configured wage-growth assumption.

Brackets and standard deduction inflation-adjusted forward in time Tax parameters are not frozen at today's values. Brackets and the standard deduction grow with CPI over the projection horizon — a critical detail most tools omit.

Tax-aware rebalancing with LTCG realization When the engine rebalances your portfolio, it computes the tax cost of realizing gains in taxable accounts, models tax-loss harvesting offsets, and optimizes across account types to minimize the drag.

Estate tax planning Model federal estate tax exposure, applicable exemptions, and basic gifting strategies. Understand your estate's projected tax position at various net-worth levels.

Social Security

For dual-earner households, claiming-age optimization is worth tens of thousands of dollars over a lifetime. WealthWhiz models it correctly for both spouses.

Dual-earner modeling Two separate Social Security benefit streams, each with its own earnings history estimate, Full Retirement Age, and configured claim age. Benefits coordinate correctly with spousal and survivor rules.

Configurable claim age (62–70) Adjust each spouse's claim age independently. The engine computes the actuarial break-even and integrates the chosen benefit level into every subsequent year's income and tax computation.

Real Estate

A full property model for primary residences, rentals, and future acquisitions — not just a line item in your net worth, but a cash-flow and appreciation engine integrated with the broader plan.

Up to 3 properties Model a primary home, a rental, and a future acquisition simultaneously. Each property has its own mortgage, appreciation rate, and cash-flow profile compounded forward independently.

Mortgage P&I and amortization Full amortization schedules for fixed and adjustable mortgages. Principal paydown is tracked accurately — equity grows correctly as the loan amortizes.

Rental income, management fees, and rent growth Annual gross rent, vacancy rate, property management percentage, maintenance reserve, and configurable annual rent-growth rate — each feeding into net operating income used in projections.

Convert primary to rental event Schedule a future date when a primary residence transitions to a rental. The engine handles the reclassification, depreciation basis change, and rental income starting from that year.

Refinance and sell events Schedule a future refinance (new rate, term, and cash-out) or sale (projected price, closing costs, capital gains tax) on any property. Net proceeds flow into investable assets automatically.

Buy-vs-rent crossover analysis Given your local rent level, estimated property price, and financial assumptions, find the holding period at which buying overtakes renting in total wealth — accounting for opportunity cost on the down payment.

Investment Strategy

From a simple 60/40 to a multi-decade glide path with tiered tax-location rules — the investment engine adapts to how seriously you want to model your portfolio.

Static or glide-path allocations Use a fixed allocation or a dynamic one that shifts automatically with age — 110-minus-age, age-in-bonds, or a fully custom linear glide you define by specifying start and end allocations.

Tiered strategy chains over time Define different allocation strategies for distinct phases of your life. Example: aggressive growth until 45, glide path 45–65, conservative distribution in retirement — all chained in a single plan.

Tax-aware rebalancing with LTCG optimization Rebalancing respects account types. Taxable-account rebalances realize gains/losses; the engine computes the net-of-tax cost and can defer realizations until losses offset them.

Dividend reinvestment with tax handling Dividends are modeled at the specified yield, classified as qualified or ordinary, taxed at the correct rate for the projection year, and the after-tax remainder reinvested — no approximations.

Configurable cash-reserve policy and surplus behavior Set a target cash reserve in months of expenses. Define what happens to surplus cash above that level — auto-invest by allocation, pay down debt, or hold. The engine enforces this policy year by year.

Custom calculators (Ultimate) Build your own projection formulas using the engine's variable set. Useful for specialized situations — rental depreciation recapture, ESPP tax treatment, deferred compensation schedules.

Debts, Cars, and Lifestyle Costs

A complete picture of outflows: consumer debt payoff schedules, vehicle replacement cycles, rent, itemized monthly expenses, and a cash-reserve target — all integrated into cash-flow projections.

Multiple consumer debts Credit cards, student loans, personal loans — each with its own balance, rate, and minimum payment. Model avalanche or snowball payoff strategies and see the interest savings.

Car plan with replacement cycles Set your current vehicle value and loan, plus a future replacement cycle (how often, at what cost). The engine projects car payments and depreciation forward across the full plan horizon.

Rent and itemized monthly expenses Model rent as a separate expense (distinct from owned-property mortgage) alongside itemized monthly budget categories — all grown by their own inflation rates over time.

Cash reserve target in months Define how many months of expenses you want to hold in cash at all times. The engine protects this reserve — investable surplus is the amount above it, not total savings.

Life Events

Place discrete, dated events on your timeline that alter the trajectory of the plan — one-time cash flows, ongoing expense changes, or structural shifts to market assumptions.

Buy, sell, or refinance a house Place a property acquisition, sale, or refinance event on a specific future date. The plan instantly reflects the capital outflow, proceeds, new debt, or equity release.

College funding Schedule a college expense starting in a future year for a set duration. Model it as a lump sum draw on savings or a loan — and see the long-run impact on retirement.

One-time income or expense An inheritance, a bonus, a medical expense, a business sale — any single-year cash event, taxable or not, placed on the timeline and propagated correctly through subsequent years.

Ongoing spend changes Model a lifestyle upgrade, a recurring expense starting at a future date, or a cost that phases out (like childcare) — with the correct start year, end year, and growth rate.

Inflation regime changes Model a future shift in the inflation environment — a lower-for-longer decade followed by a higher regime — with a transition at a date you choose. Useful for stress-testing long plans.

Built-In Financial Advice

Actionable, quantitative guidance derived from your own data — not generic rules of thumb, but ranked recommendations computed from your actual numbers.

"Where should your next $1 go" — ranked by expected return A ranked list of your possible uses of excess cash flow — pay off debt at X%, contribute to Roth at Y%, invest in taxable at Z% expected — ordered by risk-adjusted expected return given your situation.

Buy-vs-rent crossover analysis Find the holding-period break-even between buying and renting given your local market, expected appreciation, down payment amount, and what the down payment would earn if invested instead.

Home affordability calculator Based on your current income, debts, savings, and target location, compute a defensible maximum purchase price that keeps housing costs within a sustainable fraction of gross income — with the math shown.

Scenarios, Comparison, and Sensitivity

Good financial decisions come from comparison, not single-path thinking. WealthWhiz is built to run multiple scenarios side-by-side and surface which variables matter most.

Compare base, bull, bear, and custom strategies side-by-side Up to four scenario tracks displayed simultaneously in chart and table views. Overlay any combination of assumptions — market returns, spending levels, retirement ages — to understand the range of outcomes.

Multi-roadmap planning (Ultimate) Maintain separate, fully independent plan files — one for your primary assumptions, one for early retirement, one for a scenario where you change careers — and navigate between them in one interface.

Sensitivity sliders Drag any assumption — equity return, inflation, savings rate, retirement age — and watch all scenario outcomes update in real time. Immediately see which inputs your plan is most exposed to.

Cross-Platform

The same open-source math engine on every platform. Your plan file is portable across all of them — one format, one source of truth, regardless of device.

iOS, Android (native apps) Native mobile apps with biometric lock (Face ID / fingerprint) on Plus and above. The full engine runs on-device — no mobile-specific feature cutdown.

macOS, Windows, Linux (native desktop) Electron-based desktop apps with native OS integration. Local file-system access means you can keep your plan file in your own encrypted volume or cloud sync folder.

Web / PWA — available now at /app/ The full planning engine runs in-browser using WebAssembly. No install required. Your plan is stored in your browser's local storage — it never leaves your browser session to a server.

50 achievements / gamification Completing financial milestones — funding a 6-month emergency reserve, maxing a 401(k), reaching a net-worth target — unlocks achievements. Available on all tiers including Free.

Every tool a serious household needs — running on your device.