WealthWise

Personal finance intelligence — WealthWise helps you consolidate manual portfolio and household data so you can reason about wealth with confidence, without drowning in spreadsheets or hype.

Project Overview

WealthWise is a foundation-first personal finance portal: structured data, sensible defaults, and room to grow. It brings portfolio tracking, cash flow, budgets, loans, FX, and notifications into one calm workspace—built for understanding, not noise.

Built for Steady Decisions

A foundation-first portal designed for people who want clarity and control over their financial picture, not hype or speculative tips.

Clarity over chaos

See portfolio, cash flow, and budgets in one calm workspace—built for understanding, not noise.

Security by design

Your data stays scoped to your account with strict isolation and modern authentication.

Insight-ready

Structure your finances so future intelligence features can answer real questions—not generic tips.

Product Capabilities

Portfolio & wealth

• Portfolio & P/L — Manual transactions, performance views, and deeper history and analytics (planned Pro tier)
• Cash flow, budgets & recurring rules — Track inflows and outflows with budget targets and automation-friendly recurring rules

Household finance

• Loans & debts — Practical tracking with sensible limits on Free; full limits on Pro when enforcement is enabled
• Bill splits & settlements — Split shared expenses and settle up with household members

Automation & data capture

• Exchange rates & FX tools — Multi-currency support with essential rates; extended history and pairs planned for Pro
• Receipt capture & OCR — Manual or limited capture on Free; full OCR throughput planned for Pro
• Rate conversion — Automatic conversion plus an in-app rate calculator for quick comparisons

Preferences & experience

• Light / dark theme — Calm UI that respects your environment
• Localization & translations — Multi-language support for a global household
• Currency preferences — Set your preferred display currency across the workspace

Notifications

• Email & Telegram — Core alerts via email or a single Telegram endpoint (Free); multi-endpoint routing and higher volume planned for Pro

AI Financial Assistant

WealthWise is building an assistant that reads only your stored workspace data to explain trends and answer structured questions—not a general-purpose chatbot.

Current availability

The in-product assistant described in the roadmap is not a general-purpose chatbot yet. Until features ship, rely on your recorded data and help pages—not speculative outputs. This portfolio page will be updated when capabilities launch.

Planned strengths (when launched)

When available, the assistant should be good at:

• Summarizing portfolio and cash flow patterns from data you already saved
• Explaining how dashboard metrics were derived in plain language
• Suggesting next steps inside the app (for example, filling missing categories or budgets)

Hard limits

• It will not execute trades, move money, or connect to institutions on your behalf
• It will not provide personalized tax, legal, or investment recommendations
• It should not be treated as infallible—always verify important numbers against your source documents

Data use & isolation

Retrieval and answers stay scoped to the signed-in user. Service credentials stay server-side. RAG is backed by pgvector on Supabase PostgreSQL so embeddings and answers remain tenant-isolated.

Early Access & Pricing

WealthWise is in early access: billing is not turned on, and every signed-in user gets the full feature set while pricing and plan enforcement are finalized.

• Free — Solid foundation for one household workspace ($0/mo during early access)
• Pro — Higher limits, full OCR, portfolio-aware AI assistant, and multi-endpoint notifications (pricing announced before billing turns on)

Capabilities change as the product evolves; check the live site and in-app release notes when in doubt.

Technology Stack

Frontend

• Next.js — App Router, server and client components
• TypeScript — End-to-end type safety
• Tailwind CSS & shadcn/ui — Responsive, accessible UI
• Zustand — Lightweight client state
• TanStack Query — Server-state caching and sync
• PWA — Installable, mobile-friendly experience

Backend & data

• Supabase — PostgreSQL with row-level security and auth integration
• pgvector — Vector storage for RAG over user-scoped financial data
• Zod — Runtime validation for APIs and forms
• Cron jobs — Scheduled tasks (rates, reminders, background sync)

Auth & security

• Google OAuth — Primary sign-in flow
• JWT — Encrypted session tokens with server-side verification
• Per-account isolation — Strict data scoping at the database layer

Integrations

• Resend — Transactional email for alerts and account flows
• Telegram — Notification webhooks for household alerts
• Multi-LLM providers — DeepSeek, OpenAI, OpenRouter, and others behind a unified abstraction for the future assistant

Deployment & ops

• Vercel — Hosting, previews, and edge-friendly delivery

Security & Privacy

• Data is scoped to the signed-in user with strict tenant isolation
• Service credentials and API keys remain server-side only
• AI retrieval (when enabled) uses only the current user's workspace data
• Policies and privacy FAQ on the product site are updated when behavior changes

Live Demo

Visit https://wealthwise.yongsen.space/ to explore the platform, sign in, or create an account.

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WealthWise represents a deliberate approach to personal finance software: structured data first, sensible defaults, and intelligence that earns trust by staying grounded in what you actually recorded.