How can we help?

Yes, fully. The math engine runs on your device — no server computation is required for projections, tax calculations, or Monte Carlo. You can use WealthWhiz on a completely air-gapped machine. The only features that require a connection are: license validation (once on first use), optional Plaid sync, and the AI advisor if you use the managed AI Concierge.

The most common causes of surprising projection results:

• View mode: Check whether you're viewing nominal (future dollars) or real (today's purchasing power) values. Real values will grow more slowly because inflation is subtracted out.
• Tax drag: The engine deducts taxes at each year's applicable rates. For high earners, this can be significant and is often larger than users expect.
• Cash reserve policy: If your configured cash reserve target is high, surplus cash above that threshold is what gets invested — not your gross savings.
• Debt payoff: Aggressive debt payoff reduces investable surplus in early years, which can make the curve look flat before it accelerates.

If numbers still don't make sense, export your plan file and email it to support@wealth-whiz.com with the file attached (sanitize sensitive values first).

It depends on the platform:

• Web app: In your browser's IndexedDB (local storage). It does not leave your browser session. Use the Export function to save a portable copy.
• Desktop (macOS/Windows/Linux): In the location you chose when you first saved — the app prompts you to pick a folder. Default is your Documents folder.
• Mobile (iOS/Android): In the app's sandboxed storage, accessible via the OS file manager (iOS Files app, Android's Documents provider). Exportable at any time.

The file format is JSON and is fully documented. You can open and read it in any text editor.

Go to Settings → AI Advisor → Custom API Key. Enter your API key from OpenAI, Anthropic, Mistral, or any OpenAI-compatible provider. You can also point it to a local Ollama instance (e.g., http://localhost:11434/v1). The key is stored in encrypted local storage on your device; it is never sent to WealthWhiz servers.

Supported endpoints are any that accept the OpenAI Chat Completions API format (/v1/chat/completions).

The tax engine models federal ordinary income, long-term capital gains, qualified dividends, FICA (Social Security and Medicare), and state income tax for all 50 states + DC. Current-year brackets and standard deductions are applied, with those parameters growing with CPI in future years.

What it does not model: AMT, Net Investment Income Tax (NIIT), deductions other than the standard deduction, state-specific credits, or the full complexity of itemized deductions. For current-year tax filing, use tax preparation software. WealthWhiz's tax engine is designed for multi-decade forward modeling, not precise current-year return computation.

The Family tier includes spousal sharing: two seats can access and collaboratively edit the same plan file. For sharing with an advisor or anyone else, use the Export function to generate a PDF summary or a JSON data file, and share that directly. The JSON file can be imported into another WealthWhiz installation.

If you prefer not to share raw numbers, the Export function allows you to generate a scenario summary report that shows projections without underlying account values.

Please email us at support@wealth-whiz.com with a description of the bug. Include:

• A description of the expected versus actual result
• The specific inputs that reproduce the issue
• Your platform and app version

Because the engine is open-source, you're also welcome to identify the specific formula or function and submit a pull request. We review and merge engine fixes promptly.

Go to Settings → Subscription → Cancel plan. Your paid tier remains active through the end of the current billing period; after that, you're automatically on the Free tier. Your data is never deleted as a result of cancellation. If you change your mind within 30 days of an initial subscription charge, contact us for a full refund.