# KlarFort: Private Wealth OS — Net worth, runway & AI agent > Personal finance organizer for net worth, runway, and AI-driven insights. (iPhone/iPad app by EFMC DIGITAL LLC.) - Source: https://appshunter.io/ios/app/klarfort-private-wealth-os/id6769816330 (this page in markdown: same URL + `.md`) - Developer: [EFMC DIGITAL LLC](https://appshunter.io/developer/1896690866) - Category: Finance, Business - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 17+ - Requires: iOS 17.0 · 13 MB - Languages: American English - Released: 2026-07-25 - Data updated: 2026-08-28 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/klarfort-private-wealth-os/id6769816330/reviews.md ## What is KlarFort? KlarFort puts your whole financial life in one place. See what you own, what you owe, and how long your money lasts. No ads, and your data is never sold. It is built for people who want to understand their money without handing it to advertisers. Track your net worth, plan your runway, watch your portfolio, and let an AI agent keep an eye on things for you. FlightDeck Open the app and your net worth, financial health, runway, and cash on hand are right there. A short daily note tells you what matters today, and the AI agent periodically flags potential issues. Wealth Keep your accounts, investments, property, and debts together across supported currencies. Watch your net worth move over time and see how it is split across everything you hold. Cash flow and runway Look up to 24 months ahead. Compare your base plan with a best case, a worst case, and a stress test, run a thousand simulated futures, and see at a glance whether you are secure, worth watching, or running short. Ventures Keep your side projects on track with simple budget and time tracking. AI you can talk to Ask about your money in plain language and get answers based on your own numbers. Read a short daily insight, set your own rules for what to watch, and use the AI Portfolio Monitor for periodic background checks. Using AI is always your choice. With your consent, KlarFort sends your request and a relevant snapshot of the portfolio data you entered through our backend to AI providers for processing. KlarFort does not persist chat messages or attachments on its servers. If you choose Report response, KlarFort stores the reported message UUID, a fixed report category, and a short excerpt for up to 365 days or until earlier account deletion. KlarFort also stores selected AI feature outputs: daily insights for up to 90 days, the latest monitoring analysis, and custom rules until you delete them or your account. When you ask the assistant to add or edit portfolio items, those changes are saved immediately and shown to you. Deletions require your confirmation. Private by design Your core portfolio records live on your device. With your consent, AI requests are processed and selected AI feature outputs are stored as described above. We do not sell your data, and there are no ads anywhere in the app. KlarFort is a tool for organizing and understanding your finances. It is not a registered investment adviser, broker, accountant, or attorney, and it does not give financial, tax, or legal advice. AI can be wrong, so check anything important before you act on it. Privacy Policy: https://klarfort.com/privacy Terms of Use: https://klarfort.com/terms Subscriptions KlarFort offers Essential and Premium subscriptions; available options and localized prices are shown in the app. Premium adds the AI Portfolio Monitor, Deep Research, and unlimited custom rules. Purchases start immediately at the displayed price; no subscription includes a store free trial or introductory offer. The app and Apple purchase sheet show the full price and billing period before you confirm. Unless you cancel at least 24 hours before the current period ends, Apple charges the displayed price and the plan renews automatically. Manage or cancel anytime in your Apple ID settings. ## Key features - Consolidated financial overview - Net worth tracking - Financial runway projection - Portfolio monitoring - AI-powered financial insights - Budget and time tracking for ventures ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Premium Annual | $899.00 | per year | | Premium Monthly | $89.00 | per month | | Essential Monthly | $39.00 | per month | | Essential Annual | $399.00 | per year | ## Frequently asked questions about KlarFort ### What is KlarFort? KlarFort is a personal finance app designed to consolidate your entire financial life. It helps you track your net worth, plan your financial runway, monitor your portfolio, and offers AI-driven insights. ### Does KlarFort have ads? No, KlarFort is ad-free. The app emphasizes privacy and states that your data is never sold and there are no advertisements anywhere in the app. ### What are the subscription options for KlarFort? KlarFort offers Essential and Premium subscriptions. Premium includes features like the AI Portfolio Monitor and unlimited custom rules. Purchases start immediately, and no subscription includes a free trial. ### How does KlarFort use AI? KlarFort uses AI to provide daily insights, monitor your portfolio, and allow you to ask questions about your finances in plain language. AI usage is optional and requires your consent. ### Is my financial data secure with KlarFort? Yes, KlarFort is private by design. Your core portfolio records live on your device. AI requests are processed with consent, and data is not sold. ### What devices does KlarFort support? KlarFort is available on iPhone and iPad, as indicated by its supported devices list. ### What is the age rating for KlarFort? KlarFort has an age rating of 17+, suggesting it is intended for mature users due to its financial content. ### How often is KlarFort updated? The latest version of KlarFort is 1.20, and it was last updated on August 23, 2026. This indicates a recent update cycle. ## Version history (last 4 releases) ### 1.20 — 2026-08-23 Performance and stability improvements. ### 1.19 — 2026-08-22 Version 1.19 - Smoother setup and onboarding. - More reliable Chat and document imports. - Improved responsiveness and stability throughout KlarFort. - Additional usability and performance improvements. Have a question or idea? Email us at contact@klarfort.com. ### 1.18 — 2026-08-17 Version 1.18 - Faster AI responses and more reliable portfolio analysis. - Clear consent before any portfolio context is sent for AI processing. - Assistant additions and edits now apply immediately and are summarized; deletions still require confirmation. - Performance, accessibility, and stability improvements across the app. Have a question or an idea? Email us at contact@klarfort.com. ### 1.17 — 2026-07-25 No release notes. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*