A clearer view of your finances

See every detail. Plan what comes next.

From day-to-day spending to shared project costs, bring accounts, budgets, and long-term plans into one clear view of your finances.

View on the App Store Explore Expense Sharing

The WealthX Summary screen shows net income, net assets, and budget status.

Everyday money management

Your finances, connected.

Smart Budget

Budgets that fit your life

Organize budgets around daily life, family, or travel. Review Smart Budget suggestions for future amounts or time frames, and apply only what fits.

Review every suggestion before anything changes.
Plan by month, quarter, year, or project.
Adjust future budget amounts or periods when your plans change.

Smart Flows

Make everyday entries easier

Suggested Flows help you start routine entries faster. Use Planned Flows to keep recurring income and bills organized.

Reuse familiar entries without setting them up from scratch.
Record income, expenses, transfers, refunds, and recurring transactions.
Choose a Flow, enter the actual amount, and confirm.

The Today screen shows common Flows and Planned Flows.

Reconcile

Check your statement before adding entries

Import a supported bank or payment statement and compare it with your records. Review matches, differences, and entries awaiting confirmation, then choose what to confirm.

A WealthX statement-reconciliation screen for reviewing imported entries.

Cash flow and insights

See how money moves

Explore cash flow trends, spending by category, and how money moves between income and expenses. Allow location access to view your recorded locations on a map.

See where your money goes and how spending changes over time.
Search transactions, accounts, budgets, goals, holdings, and Flows.
Explore your records through maps, charts, and widgets.

A cash flow chart shows the connections between income, budgets, and spending.

Goal

Give your plans a clear starting point.

Set a goal for saving, paying down debt, or a future purchase. Link the accounts that support it, then follow your progress.

Track savings, repayment, and purchase goals.
Link accounts to track progress from your records.
Keep your goals in view alongside everyday budgets and transactions.

Widgets and data management

A clearer view, right on your Home Screen

Add a WealthX widget to see cash flow trends and category summaries at a glance. The information shown depends on the widget you choose.

WealthX widgets on an iPhone Home Screen show cash flow trends and category summaries.

Questions

How is Expense Sharing different from Split Bill?

Expense Sharing tracks payments made on behalf of a group, each person’s share, and suggested transfers to settle up. Split Bill allocates a single payment across multiple budgets.

Does WealthX transfer money automatically?

No. Send or receive the money using your usual payment method, then use Checkout in WealthX to confirm that the payments are complete.

Where can I use Expense Sharing?

Open a project budget in a Scenario to record prepayments, assign each person’s share, and review settlement suggestions.

How do Smart Flows work?

Smart Flows use recent activity and spending frequency to suggest Flows you may need. Choose a Flow, enter the amount, and confirm the entry.

Does Smart Budget change my budget automatically?

No. Smart Budget uses past transactions and current budgets to suggest changes to amounts or budget periods. You can review each suggestion, and changes apply only after you confirm.

Can I search, import, export, and back up my records?

Yes. You can search your records and use the supported import, export, and backup options. Depending on your platform and settings, records are stored on your device or in your private iCloud database.

Data and control

Privacy Policy

Your finance records remain under your control; WealthX services process only the limited account and subscription metadata needed to verify access.

Effective date: 2026-08-26

1. Finance records and optional permissions

WealthX works with personal finance records that you create or import, including accounts, transactions, budgets, scenarios, Flows, investments, goals, chart settings, icons, and related notes.

Finance records are stored on your device or in your private iCloud/CloudKit database. They are not uploaded to the WealthX account and subscription service.
Location is optional and is used for Cashflow Map only when you grant permission.
Custom images, emoji, and system symbols are used for personalization only when you choose them.
On iOS, you can choose whether to enable iCloud sync. On macOS, WealthX Pro requires an available iCloud account and keeps CloudKit sync enabled while the workspace is unlocked.

2. Account and subscription information

To verify WealthX Pro access and support entitlements across supported platforms, WealthX processes limited account and subscription metadata.

Account metadata may include an internal WealthX user ID, an Apple-verified App Transaction identifier, a SHA-256 one-way digest derived from the current CloudKit user record identifier, an app account token, a hashed session token, platform, and verification timestamps.
Subscription metadata may include Apple or Stripe purchase and subscription identifiers, product, plan, status, expiry, trial state, verification timestamps, and a Stripe customer identifier when Stripe applies.
The raw CloudKit user record identifier and signed App Transaction are processed to verify the account but are not retained in raw form.
WealthX does not receive payment-card or bank-account details entered with Apple or Stripe.

3. How this information is used

Account and subscription metadata is used only to authenticate sessions, verify or restore Pro access across supported platforms, prevent conflicting account claims, maintain entitlement status, provide account support, and carry out account deletion. WealthX does not use this information for advertising or tracking.

4. Service providers and disclosure

Apple provides App Store, StoreKit, and iCloud/CloudKit services. Stripe processes Stripe subscriptions when applicable. Render hosts the WealthX account and subscription service and may process network request metadata. We do not sell personal finance data or account metadata. Information is disclosed only as needed to operate these services, when required by law, to protect rights and safety, or at your request.

5. Storage, security, and retention

Finance records remain on your device or in your private iCloud database. WealthX limits the account and subscription metadata it stores, and hashes tokens or encrypts credentials where appropriate. This metadata is retained while your WealthX account exists or as reasonably needed to operate and secure the service, meet legal obligations, or resolve disputes. No digital system should be treated as risk-free.

6. Import, export, locking, and deletion

You control import and export workflows. Locking WealthX hides finance data and stops app access to CloudKit, but does not delete the underlying records. After a confirmed WealthX account deletion succeeds, WealthX removes the server-side account, sessions, entitlement records, App Transaction/CloudKit binding, applicable legacy installation mapping, and pending Stripe Checkout state.

Deleting a WealthX account does not cancel an Apple or Stripe subscription. Manage or cancel each subscription through its billing provider.
Local and private-iCloud finance records remain after account deletion. You can manage or remove them separately in WealthX or through Apple platform settings where applicable.
Files you export are external copies under your control. Locking or deleting WealthX does not remove those files.

7. Children

WealthX is not intended for children below the age required by local law to manage personal finance records without appropriate consent.

8. Contact

For privacy questions, contact us at ericdai2013@gmail.com.

Start with a clearer view.

Manage everyday spending, shared expenses, budgets, and goals in one place.

View on the App Store