Am I diversified enough to meet my goals?
Connect your accounts and ask Magpie that one question on your real holdings. Magpie explains the picture. You decide what to do next.
No commitment. Cancel anytime. Read-only account access.
Built by finance experts and trusted by self-directed investors
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!”
Ellen G., Retiree
“Finally, my husband and I can see our complete financial picture without sharing passwords. We each securely connect our own accounts, and WealthFluent gives us one unified view of everything.”
Sarah M., working parent
“Say goodbye to spreadsheets! WealthFluent’s unique product combines real-time financial data with your accounts and innovative portfolio management tools.”
Frank J. Fabozzi, PhD, Editor, The Journal of Portfolio Management
How WealthFluent works
We believe no one understands your financial goals better than you. So, we give you the tools to manage your own wealth using strategies and practices from some of the world’s top financial leaders—100% tailored to your unique situation, lifetime goals, and current market conditions.
See everything in one place
WealthFluent pulls all of your finances into one dashboard—investments, income, assets, liabilities—so you can evaluate your financial health in one snapshot.
Get real-time, personalized insights
Then it shows how concentrated or diversified you are against your goals, so you can evaluate the tradeoffs. It does not hand you a portfolio to invest in, and it does not use a one-size risk-tolerance bucket.
Ask Magpie: am I diversified enough?
Magpie is the pre-signup assistant for that question — insights and education on your picture, not advice. Magpie is on Essentials. Portfolio Optimization Engine and Market Analysis are Premium and Lifetime.
Turn real-time data into confident financial decisions.
For too long, everyday investors have been stuck between generic tools and outdated advice from wealth managers who charge a percent of assets every year.
WealthFluent’s do-it-yourself wealth management system empowers you to make smart, data-driven financial decisions, giving you clarity and control over your money—without the hefty advisor costs.
Imagine knowing exactly how much to save, when to retire, and how today’s financial decisions impact tomorrow, with the touch of a button.
Ditch the spreadsheet, the complexity, and the uncertainty
All-in-one features designed for your finances and your future.
Financial Health Monitor
Know exactly where you stand at all times. Automatically track every asset and liability in one place, with real-time updates that eliminate guesswork.
Lifetime Financial Planning
Build a lifetime financial plan based on your goals and what the market is offering. See how every financial decision impacts your dreams, timelines, and potential. Lifetime Planning is included with Essentials; an investable target portfolio / Optimizer view is Premium.
Portfolio Optimization Engine (Premium)
Integrate multiple investment accounts and reduce complexity by viewing your investments as one complete portfolio. The Portfolio Optimization Engine is Premium and Lifetime: it identifies constraints, suboptimal allocations, and risk imbalance; candidate changes are for your review, and WealthFluent does not trade for you.
Expert Market Analysis (Premium)
Premium. Get real-time, actionable insights into market trends so you can evaluate opportunities and risks before they hit your plan.
Magpie
Magpie on Essentials answers the diversification question. Portfolio Optimization Engine and Market Analysis are Premium.
The WealthFluent difference is clear
Most online money tools only do one thing: budgeting, aggregation, or investing. WealthFluent is the only complete, integrated decision-making platform for financial planning and wealth management—flat software pricing, not a percent of assets.
This is the only platform where YOU decide where to invest—but with insights normally reserved for advisory firms.
| Features |  |
 (formerly Personal Capital) |
 |
 |
 |
 |
|---|---|---|---|---|---|---|
| Complete Net Worth Tracking | Partial | Partial | ||||
| Lifetime Financial Planning | Partial | Partial | Partial | Partial | ||
| Magpie (Essentials) | Partial | |||||
| Portfolio Optimization Engine | Premium | |||||
| Financial Wellness Score | ||||||
| Debt Health Analysis | ||||||
| Real-Time Market Analysis | Partial | Partial | ||||
| Transaction Smart Insights | Partial | |||||
| No Advisory Fees | ||||||
| Annual Cost | From $72/yr | 0.89% AUM | $144/yr | 0.40% AUM | 0.35% AUM | 0.30% AUM |
| Cost on $500K Portfolio | $72–$144 | $4,450 | $144 | $2,000 | $1,750 | $1,500 |
Try WealthFluent completely free today–no commitment required.
Start a 14-day Premium trial and you get the full feature set, including the Portfolio Optimization Engine and Market Analysis. After the trial, Magpie stays on Essentials; Optimizer and Market Analysis stay Premium. Cancel anytime.
WealthFluent is not a financial advisor and does not provide investment advice. Magpie is included with Essentials. Portfolio Optimization Engine and Market Analysis are Premium and Lifetime. Platform analytics are tools for informed decision-making.
Bank-Level Security. Read-Only Access.
Your privacy and security are our top priorities. WealthFluent is designed with bank-level encryption, ensuring your financial data is always fully protected. The secure connections operate with read-only access to accounts via Envestnet Yodlee / Fingoal. Your sensitive data is secure, and your accounts are untouchable and not viewable by the WealthFluent team.