Your Wealth.Categorized.

No. QuickBooks does bookkeeping (P&L, balance sheets, invoicing, mileage logs in GAAP-style ledgers). WealthWise does planning, advisory, and personal-finance integration - the layer that sits above your books and ties business and personal money to your long-term wealth goals. Most self-employed people use both: QuickBooks for the books, WealthWise for the strategy.

No. WealthWise estimates and tracks your quarterly federal taxes, organizes your deductions and 1099s, and exports your data as CSV or JSON for your tax preparer or filing software (TurboTax, H&R Block, FreeTaxUSA). We get you to filing-ready faster, but we don't file. Filing is a regulated activity we deliberately stay out of.

It runs on Google's Gemini 2.5 models: Gemini 2.5 Flash for conversation and Gemini 2.5 Pro for deeper analysis such as SWOT and tax work. The difference is context. It knows your self-employment profile (work status, business structure, income type, and tax bracket), and when it answers it can read your own budget, debts, goals, bills, and transactions in WealthWise. A general-purpose chatbot knows none of that unless you tell it.

Yes. Bank connections run through Teller - the same direct-integration platform several major fintechs use - over a mutually-authenticated TLS (mTLS) connection. Teller's Connect flow handles your bank login inside their secure iframe; your password never reaches us. Access is read-only and revocable any time from /banking. Data at rest is encrypted (AES-256) on SOC 2 Type II infrastructure. We do not sell or share your data - ever; export or delete anything you've entered, any time.

Through Teller, we connect to 7,000+ US institutions including all major banks (Chase, Bank of America, Wells Fargo, Capital One, Citi, US Bank), all major brokerages (Schwab, Fidelity, Vanguard, Robinhood, E*Trade), and most regional banks and credit unions. CSV import and manual entry are still supported - useful for credit unions or international accounts outside Teller's coverage.

All three work. Tell us your business structure during onboarding and the AI advisor tailors its answers to it. The quarterly tax tracker estimates self-employment tax plus federal income tax on your self-employment income, which is the sole-proprietor and single-member-LLC math. For an S-corp or a multi-member LLC, treat it as a conservative estimate and confirm payroll, distributions and partner splits with your CPA.

Yes, when you share it. Export your transactions, budget, debts, goals, bills and portfolio as CSV or JSON any time, download receipts and tax documents straight from the vault, and share PDF wealth reports on Pro. Your CPA doesn't need a WealthWise login.

Because the moment we monetize through ads or data, we stop being on your side. $99/year is what it costs to deliver this value sustainably. We're not subsidizing through ads, data sales, lead generation, or pushing you toward financial products. You pay for the tool. We build the tool. Simple.

WealthWise still works as a general AI financial OS - budget, debt, investments, FIRE, advisor, vault. We just won't be the best tool for you specifically. If you have a single W-2 income with a normal household structure, try Monarch Money or Copilot Money - they're optimized for that life. We're optimized for yours.

Always. Full CSV and JSON export for everything you've ever entered or imported. No export wall, no friction, no 'sorry we couldn't make this work' surveys. Your data is yours - that's a foundational principle, not a marketing line.