How can WealthWise help with my 2026 New Year financial resolutions?

WealthWise is the perfect tool for crushing your 2026 financial goals. Set savings targets with our Investment Calculator, create a debt payoff plan with Debt Destroyer, optimize your monthly budget with the 50/30/20 rule, and calculate your path to early retirement with the FIRE Engine. Our AI advisor provides personalized guidance to keep you on track all year long — completely free.

Is WealthWise OS free to use?

Yes! WealthWise OS offers a generous free tier that includes all core calculators, basic AI advice, and local data storage. No credit card required.

Is my financial data private and secure?

WealthWise is built local-first. Your financial data lives in your browser's encrypted localStorage — not on our servers. We never see, store, or have access to your numbers.

What is the FIRE calculator?

FIRE stands for Financial Independence, Retire Early. Our FIRE Engine calculates your 'Freedom Number' — the exact portfolio size needed to sustain your lifestyle indefinitely using the 4% safe withdrawal rate.

How does the AI Advisor work?

The AI Advisor is powered by Google Gemini Pro and adapts its persona based on context. It provides personalized, actionable financial advice based on your profile stored locally in your browser.

What is compound interest and how does it grow my money?

Compound interest is interest earned on both your initial investment and previously earned interest. Our calculator shows how $10,000 at 7% annual return becomes $19,672 in 10 years, $38,697 in 20 years, and $76,123 in 30 years through the power of compounding.

What is the 50/30/20 budget rule?

The 50/30/20 rule suggests allocating 50% of income to needs (housing, food, utilities), 30% to wants (entertainment, dining out), and 20% to savings and debt repayment. Our Budget Optimizer analyzes your spending against this framework.

What is the difference between debt snowball and avalanche methods?

The snowball method pays off smallest debts first for psychological wins, while avalanche targets highest-interest debts first to save money mathematically. Our Debt Manager calculates both strategies and shows total interest saved.

How much do I need to retire early?

Using the 4% safe withdrawal rate, multiply your annual expenses by 25. If you spend $40,000/year, you need $1,000,000 (your 'Freedom Number'). Our FIRE Calculator personalizes this based on your actual expenses and income.

Does WealthWise work on mobile devices?

Yes! WealthWise OS is a Progressive Web App (PWA) that works on any device with a modern browser. You can install it to your home screen on iOS and Android for a native app-like experience.

Can I export my financial data?

Free users can export to CSV. Pro subscribers get PDF Wealth Reports with charts, projections, and AI-generated insights. All your data remains stored locally in your browser.

WealthWise OS — Free AI Financial Planning & Investment Calculator

Free AI-powered personal finance app with investment calculator, debt payoff planner, budget optimizer, FIRE calculator, and AI advisor powered by Google Gemini. No signup required.