Your Entire Wealth. One Intelligent System.
Professional-grade wealth management tools that give you the confidence to manage your own investments — without the advisory fees.
Start Free TrialFinancial Health
Financial Wellness Score NEW
A comprehensive 0–100 score across 7 weighted factors — savings rate, debt health, investment diversification, emergency fund, insurance coverage, retirement readiness, and net worth trajectory. See exactly where you stand financially.
Debt Health Score NEW
Classifies every loan as Good, Bad, or Ugly based on interest rate, type, and impact on your overall financial picture. Understand which debts to prioritize paying off.
Behavioral Discipline Score NEW
Measures your plan adherence and financial habits over time. Stay accountable to the wealth-building behaviors that matter most.
Planning
Lifetime Financial Planning
Plan and track every lifetime financial milestone — retirement, home purchase, education, weddings, and more. See how each milestone affects your overall plan and stay on track to retire on your terms.
Goal Tracking
Set specific savings goals with target dates and amounts. Track progress in real-time and see how each goal impacts your broader financial plan.
Wealth Plan Report NEW
Generate a comprehensive wealth plan report with full income statement — the kind of output that used to require a $5,000 financial plan from a traditional advisor.
Portfolio
Portfolio Optimization Engine
One-click optimization automatically shows you trades that keep your portfolio on track to meet your lifetime goals — based on current market conditions, your complete portfolio makeup, tax constraints, and trading fees.
Security Betas & Portfolio Duration NEW
See beta values for individual holdings and portfolio-level duration metrics. Understand exactly how your portfolio responds to market movements and interest rate changes.
Liquid Assets Widget NEW
Instantly see your liquid vs. semi-liquid wealth accessibility. Know exactly what you can access and when.
Automated Balancing Assist
Instantly scans your portfolio, identifies where you’re underweight, and recommends assets to keep your portfolio balanced against current market conditions.
Markets
Real-Time Market Analysis
Professional-grade market analysis traditionally only available to institutional investors — yield curve analysis, forward analysis for bonds, stocks, and crypto, live ticker, and curated news feed.
Today’s Change on Net Worth NEW
See your daily net worth movement at a glance. Understand how market moves impact your complete financial picture, not just individual accounts.
AI & Insights
Magpie AI Companion
Your personal AI financial companion that understands your complete financial picture. Ask questions, get personalized insights, and make smarter decisions with context-aware AI.
Performance Summary Emails NEW
Daily, weekly, or monthly AI-powered insights delivered to your inbox. Magpie analyzes your portfolio and highlights what matters most.
Transaction Smart Insights NEW
Six powerful insights from your transaction data — savings rate, average daily spend, top expense categories, spending trends, transaction patterns, and recurring expense detection.
Complete Net Worth
Every Asset & Liability
Track everything in one place — brokerage accounts, retirement (401K, IRA, 403B), real estate, vehicles, crypto, private business equity, stock options, collectibles, social security, annuities, and more.
Bank-Level Security
Read-only connections powered by Yodlee and Fingoal. Your data is encrypted with bank-level security. We never have access to move your money.
Multi-Family Member Support
Track wealth across your entire household. Spouse/partner login included with Premium plans.
How It Works
See Everything
Connect all your accounts and assets in minutes. See your complete financial picture for the first time.
Get Insights
Receive real-time personalized insights, scores, and optimization recommendations.
Take Action
Make confident financial decisions with AI-powered guidance and one-click tools.
WealthFluent vs. Competitors
| Feature | WealthFluent | Empower | Schwab | Fidelity | Vanguard |
|---|---|---|---|---|---|
| Complete Net Worth Tracking | ✓ | ✓ | — | — | — |
| Lifetime Financial Planning | ✓ | — | — | ✓ | ✓ |
| AI-Powered Insights | ✓ | ✓ | — | — | — |
| Portfolio Optimization | ✓ | — | ✓ | ✓ | ✓ |
| Financial Wellness Scores | ✓ | — | — | — | — |
| Real-Time Market Analysis | ✓ | — | ✓ | ✓ | ✓ |
| Multi-Family Support | ✓ | ✓ | — | — | — |
| No Advisory Fees | ✓ | ✓ | ✓ | ✓ | ✓ |
| Professional-Grade Tools | ✓ | — | ✓ | ✓ | ✓ |
What Our Users Say
“Portfolio Revision helped me simulate the effects of buying a new home on my entire portfolio. It was awesome to fully understand this big life event!”
“WealthFluent helps give me the confidence I need to manage my own investments with up to date access to my entire wealth portfolio and financial information!”
“Say goodbye to spreadsheets! WealthFluent’s unique product combines electronic access to fundamental security data with all your assets and liabilities and a set of tools for managing customized portfolios.”