Today we shipped the biggest product update in WealthFluent’s history.
We built WealthFluent on a simple belief: you deserve the same financial intelligence that institutional investors and advisors have — without paying a 1% fee for the privilege. Every feature we ship is designed to make you a more informed, more confident decision-maker with your own money.
This update takes that mission further than ever. Here’s what’s new.
Financial Wellness Score: Your Entire Financial Health in One Number
We’ve introduced a single 0–100 gauge that captures your complete financial health — scored across seven weighted factors: downside risk, net worth growth, goal probability, portfolio efficiency, debt health, diversification, and savings rate.
This isn’t a vanity metric. Each factor is individually weighted and broken down so you can see exactly what’s driving your score up — and what’s holding it back. A trend badge shows whether you’re improving or declining over time, so you’re never guessing about direction.
Debt Health Score: Not All Debt Is Created Equal
Most financial tools treat debt as a single number. WealthFluent now classifies every loan as Good, Bad, or Ugly — based on account type and interest rate. A low-rate mortgage that’s building equity? That gets credit. High-rate credit card debt silently compounding against you? That gets flagged.
The algorithm penalizes the right things so you can focus your paydown strategy where it actually matters.
Behavioral Discipline Score: Because Outcomes Track Behavior, Not Markets
Here’s something most platforms won’t tell you: your financial outcomes are shaped more by your behavior than by market conditions. Our new Behavioral Discipline Score measures your plan adherence — setup completeness, optimization engagement, and consistency — visualized as a ring chart with full trend history.
It’s a mirror for your financial habits, and it’s one of the most powerful tools we’ve ever built.
Transactions Page: 6 Smart Insights, Automatically
Your transaction history is now more than a ledger. WealthFluent auto-calculates six insights from your spending data: Savings Rate, Average Daily Spend, Top Expense Category, Spending Trend, Transaction Count, and Recurring Expense Detection — which automatically identifies subscriptions by finding three or more occurrences with consistent amounts.
No manual tagging. No spreadsheets. Just instant clarity on where your money is going.
Markets Page: Completely Redesigned
Our Markets page has been rebuilt from the ground up. You now get the US Yield Curve with historical comparison, forward-looking analysis for both Bonds and Stocks (including Sectors and VIX), and Crypto — all in one place. A live ticker tape and curated financial news feed keep you connected to what’s moving, and new Market Settings let you customize the view to match how you follow the markets.
Liquid Assets Widget
Not all wealth is equally accessible. Our new Liquid Assets Widget gives you an instant view of liquid versus semi-liquid wealth and shows what percentage of your portfolio you can actually access when you need it.
Wealth Plan PDF Export — Now With Full Income Statement
Your Wealth Plan PDF now includes a complete income statement. Share it with your advisor, accountant, or family. It’s your entire financial story in one document — the kind of output that used to require a $5,000 financial plan.
Today’s Change on Net Worth
See exactly how much your net worth moved today. Simple, immediate, and surprisingly motivating.
New Data
Security Betas: View betas for individual securities directly in the Portfolio tab — helping you understand how each holding responds to market movements.
Performance Summary Emails: Choose daily, weekly, or monthly performance emails with AI-powered insights from Magpie. Your financial pulse, delivered on your schedule.
Portfolio Duration and Beta!
Why This Matters
This isn’t a cosmetic refresh. Every feature in this update was designed to give you a deeper, clearer, more actionable understanding of your financial life — the kind of insight that was previously locked behind advisory fees or scattered across a dozen apps and spreadsheets.
At WealthFluent, we believe you shouldn’t need to be a financial professional to make professional-quality financial decisions. You just need the right tools and the right data, personalized to your life.
That’s what we built. And we’re just getting started.
Try It Now
All of these features are live today. If you’re already a WealthFluent user, log in and explore. If you haven’t tried WealthFluent yet, there’s never been a better time. Create your free account and see your complete financial picture in minutes — not days, not weeks.
