# Wealth Architect — Net Worth & Finance Planner > Private personal finance tracker for net worth, goals, and financial health. (iPhone/iPad app by Ajith Kumar.) - Source: https://appshunter.io/ios/app/wealth-architect/id6764103333 (this page in markdown: same URL + `.md`) - Developer: [Ajith Kumar](https://appshunter.io/developer/1886887267) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 12 MB - Languages: English - Released: 2026-05-04 - Data updated: 2026-06-26 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/wealth-architect/id6764103333/reviews.md ## What is Wealth Architect? Wealth Architect is a private, all-in-one personal finance app designed to give you a clear picture of your financial life — without asking for a login, a subscription, or access to your bank. Everything stays on your device. Always. —————————————————— UNDERSTAND YOUR FULL FINANCIAL PICTURE —————————————————— Financial Health Score Get a single 0–100 score across five dimensions: retirement readiness, emergency fund coverage, investment activity, insurance protection, and goal progress. Know where you stand and what to focus on next. Net Worth Tracker Track assets and liabilities to see your true net worth over time. Add bank balances, investments, property, vehicles, and any debts — and watch your net worth grow as you make better decisions. Wealth Projection Visualize where your wealth is headed. Customize assumptions for expected returns, inflation, and income growth to see long-term curves that reflect your actual situation. —————————————————— PLAN, PROTECT, AND GROW —————————————————— Goals Engine Set financial goals — a home, a car, education, travel, retirement, or anything that matters to you. Track your progress and see how close you are to each milestone. Retirement Readiness Estimate the corpus you need for retirement, calculate the gap from where you are today, and get a readiness score. Straightforward, honest, and actionable. Bucket Strategy Allocate money across short, medium, and long-term buckets based on your timeline and risk comfort. A simple framework to bring structure to your wealth. Stress Testing Run scenario analyses to see how your finances hold up under pressure: job loss, a medical emergency, a market crash, or a spike in inflation. Know your vulnerabilities before they find you. —————————————————— DAILY MONEY HABITS —————————————————— Expense Tracker Log your daily spending by category, set monthly budget limits, record income sources, and track your savings rate — all in one place. Expense Streak Build the habit of tracking expenses daily with a flame streak counter. Consistency is the foundation of financial awareness. Debt Tracker Manage loans with full EMI breakdowns, interest rates, and a debt-to-asset ratio view. See how your debt compares to your total assets and plan your path to financial freedom. —————————————————— TAX & INVESTMENT PLANNING —————————————————— Tax Planning Track your tax-saving investments against configurable limits. Stay informed about how much you've invested and how much headroom remains — without any external data required. Investment Policy Statement Generate a personalized Investment Policy Statement based on your goals, time horizon, and risk profile. A document that keeps your investment philosophy clear and consistent. Personalized Insights The app reads your own data and surfaces meaningful observations — patterns in your spending, gaps in your coverage, and opportunities worth considering. All generated from your numbers, never from a cloud server. —————————————————— PRIVACY BY DESIGN —————————————————— • No account required — ever • No internet connection needed • No data sent to any server • 100% on-device storage • Supports 10 currencies: INR, USD, EUR, GBP, JPY, AUD, CAD, SGD, AED, CHF Wealth Architect is built for people who want to understand their money honestly and completely. No noise, no hype — just the tools to make thoughtful financial decisions. Download free and start building your financial clarity today. ## Key features - Financial Health Score - Net Worth Tracker - Wealth Projection - Goals Engine - Expense Tracker - Debt Tracker - Tax Planning ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Life Time Access | $4.99 | one-time | ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/wealth-architect/id6764103333/reviews.md ### 5/5 — Great App *2026-05-11* Very nice! Helps identify current financial forward looking and future. Provided the developer some ideas for improvement and he immediately replied. ## Frequently asked questions about Wealth Architect ### Does Wealth Architect require a bank login? No, Wealth Architect is designed to be a private finance app that does not require any login or access to your bank accounts. All data is kept securely on your device. ### What is the Financial Health Score in Wealth Architect? The Financial Health Score is a 0-100 score provided by Wealth Architect that assesses your financial standing across five key areas: retirement readiness, emergency fund coverage, investment activity, insurance protection, and goal progress. ### Can Wealth Architect help me plan for retirement? Yes, Wealth Architect includes a Retirement Readiness feature that helps you estimate your required retirement corpus, calculate the current gap, and provides a readiness score to guide your planning. ### How does Wealth Architect handle expense tracking? Wealth Architect allows you to log daily spending by category, set monthly budget limits, record income sources, and track your savings rate all within the app. It also features an 'Expense Streak' to encourage daily tracking. ### What kind of investment planning features does Wealth Architect offer? Wealth Architect offers Tax Planning to track investments against limits and generates a personalized Investment Policy Statement based on your goals and risk profile. ### Is Wealth Architect available on all devices? Wealth Architect is currently supported on iPhone, iPad, and iPod, indicating compatibility with Apple's iOS ecosystem. ### How often is Wealth Architect updated? The latest version of Wealth Architect is 2.0.0, and it was last updated on May 22, 2026. This suggests a recent update and ongoing development. ### What is the user rating for Wealth Architect? Wealth Architect has a perfect rating of 5.0 stars based on one review, indicating a highly positive initial user experience. ## Version history (last 4 releases) ### 2.0.0 — 2026-05-22 The app now speaks your language. Added support for Hindi, Tamil, Telugu, Kannada, German, Japanese, Spanish, and Korean — switch anytime from Settings. New asset types in Net Worth Tracker: Real Estate, Vehicle, Savings Account, and Custom. Vehicle Lease is now a supported loan type in Debt Tracker. Budget Planner now shows total budgeted vs spent with an overall progress bar. Bug fixes and performance improvements. ### 1.1.0 — 2026-05-06 • Pro access now works reliably after restarting the app. If you unlocked Pro via an offer code or purchase, it will stay unlocked — no more being asked to upgrade again after closing and reopening. • Offer code redemption fixed. Redeeming a code from the App Store now correctly activates Pro. Use "Restore Purchase" on the paywall if you redeemed a code and the app hasn't picked it up yet. ### 1.0.1 — 2026-05-05 • Fixed text size across the app — everything is now easier to read • Minor visual improvements ### 1.0 — 2026-05-04 No release notes. ## More apps by Ajith Kumar - [Voyara - Trip Planner](https://appshunter.io/ios/app/voyara-trip-planner/id6760930434) All apps by Ajith Kumar: https://appshunter.io/developer/1886887267 --- *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 2026-06-26.*