WealthX - Smart Budget & Flows

Your finances can be complex. Managing them doesn’t have to be.

WealthX turns precise financial structure into an experience that feels clear and natural. See assets and liabilities alongside cash, bank accounts, digital wallets, credit cards, investment accounts, and multiple currencies. Connect budgets, Scenarios, transactions, goals, and longer-term plans without searching across scattered records.

Most pages have been redesigned to make the right information easier to notice. Recurring, refunded, completed, and reconciled transactions have distinct symbols, while consistent menu icons make actions easier to recognize at a glance. Choose a theme you enjoy and make a rigorous financial system feel more like your own.

Flexible Budgets
Life doesn’t happen on one monthly schedule, and your budgets shouldn’t have to. Plan daily spending, trips, family needs, and longer-term commitments by month, quarter, year, or project, without squeezing everything into one monthly view.

Smart Budget (Pro) analyzes historical transactions and current budgets to suggest raising or lowering a future category budget, or changing the time frame so progress is more meaningful and measurable. Every suggestion is reviewable and only applies after you confirm.

Scenarios
Everyday life, travel, family, and projects each have their own purpose and boundaries. Scenarios use budgets to express these parts of life without directly binding to an Account.

Goal Tracker
Turn “I want to” into progress you can see. Set goals for saving, debt repayment, and asset purchases, then follow them with linked accounts and milestones.

Flows
The things you do often shouldn’t start from a blank form. Record income, expenses, transfers, refunds, and recurring transactions. Smart Flows (Pro) use recent activity and spending frequency to bring likely Flows forward. Choose a Flow, enter the amount, and you’re done.

Split Bill splits one actual payment across multiple budgets, keeping each purpose clear. It is still the record of one payment—not collaboration or automated settlement.

Keep shared expense repayments, reimbursements, and full or partial refunds linked to the original transaction, so the original payment and what followed remain clear.

Investment Portfolio
Investments shouldn’t be separated from everyday finances. Track investment accounts, holdings, trades, deposits, w