# WealthX - Own Your Finances — Unify, Reconcile & Analyze > Personal finance manager for budgets, goals, investments, and cash flow. (iPhone/iPad app by Z i cong DAI.) - Source: https://appshunter.io/ios/app/wealthx-own-your-finances/id6749512735 (this page in markdown: same URL + `.md`) - Developer: [Z i cong DAI](https://appshunter.io/developer/1821872732) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 26.0 · 95 MB - Languages: Chinese (Simplified, China), Danish, Norwegian Bokmål, Hindi, Indonesian, Turkish, German (Germany), Italian, Czech, Japanese and 14 more - Released: 2025-08-31 - Data updated: 2026-10-13 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/wealthx-own-your-finances/id6749512735/reviews.md ## What is WealthX? WealthX 3.1 brings intuitive money management, reconciliation, search, Liquid Glass and new themes. From everyday spending and travel expenses to account balances and long-term goals, visualize your wealth and organize your plans in a clear structure. Import statements, review differences, and confirm entries. Use Project Budgets to track member prepayments and shared expenses, keeping travel costs and checkout clear. Accounts and Assets Gather cash, bank accounts, digital wallets, credit cards, and investments in one view. Understand assets, liabilities, and how your money flows. Tap for account details, with more bank and payment platform icons to help recognize each account. Budgets and Scenarios Organize budgets in your own style: daily life, family, and travel. Choose periods and currencies that fit your plans, then tap for progress and details. Smart Budget suggests adjustments based on past records and current budgets. Review and confirm before applying them. Reconciliation Import supported bank or payment statements and compare them with existing records. Review matches, differences, and entries awaiting confirmation, then confirm changes to your ledger. Connect from Apple Wallet Sync balances and transactions from US Apple Card, Savings, and Apple Cash, plus supported UK financial institutions, with your permission. Bring eligible accounts into one view. Availability depends on region, institution, and device support. Project Budgets: Prepayments and Expense Sharing Within a private Scenario, use a Project Budget for shared expenses such as trips and dinners. Record member prepayments, assign shares, and review totals, amounts owed, and suggested transfers. Make the actual payments, then confirm checkout to keep a clear record. Flows: Categorize Your Repeating Entries WealthX recommends Flows that fit your habits, helping you record transactions quickly. Use Planned Flows for recurring income and bills; tap to rename them. Split Bill, Reimbursements, and Refunds Allocate one actual payment across several budgets. Link reimbursements, shared expense repayments, and full or partial refunds to the original transaction to keep the payment and later changes clear. Goals and Investment Records Set goals for saving, debt repayment, and asset purchases. Track progress with linked accounts and milestones. View holdings, trades, and market value alongside everyday finances. Investment information is for records and reference. WealthX does not provide investment advice, predictions, or return guarantees. Quick Search Tap the search page title and type any keyword you would like to explore. Find transactions, accounts, budgets, goals, and Flows. Transactions awaiting review are grouped together for easier checking. Charts, Maps, and Widgets Visualize cashflow trends and distributions in charts and widgets. Explore recorded locations in Cashflow Map with location permission, plus Change, Concentration, and Cashflow Structure insights. Liquid Glass and New Themes Liquid Glass menus, buttons, and icons bring more natural feedback and a clearer view. New Burgundy Red and Night Sky themes, refined widget layouts, and improved loading make daily use smoother. Records and Privacy Depending on platform and settings, data is stored on your device or in your private iCloud database. Use supported import, export, and backup tools to keep a portable copy of your history. Some features, budget types, currencies, reconciliation history, and themes depend on your plan and access. Privacy Policy: https://zdaiaa.github.io/WERD/wealthx.html?lang=en-US#privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - Flexible budgeting by context - Goal tracking with linked accounts - Reusable recurring transaction patterns (Flows) - Investment portfolio tracking - Cash flow insights and visualization - On-device or private iCloud data storage ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | WealthX Pro · Yearly | $34.99 | per year | | WealthX Pro · Monthly | $3.99 | per month | ## Is WealthX safe? Not enough ratings yet to assess WealthX. ## Is WealthX legit? WealthX - Own Your Finances appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for WealthX is 65 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/wealthx-own-your-finances/id6749512735/reviews.md ### 5/5 — 使用了一下感觉不错 *2026-02-02* 什么时候上终生版和Mac多端同步就更好了，直接下单 ## Frequently asked questions about WealthX ### What is WealthX? WealthX is a personal finance application designed to help users manage flexible budgets, track progress towards financial goals, and automate recurring transactions through reusable 'Flows'. It also allows for investment portfolio tracking and provides cash flow insights. ### How does WealthX handle my financial data? Your finance records are stored either on your device or within your private iCloud database, depending on your platform and settings. This ensures your sensitive financial information remains private and secure. ### Can I track my investments with WealthX? Yes, WealthX allows you to track your investment accounts, holdings, trades, deposits, withdrawals, and market value directly within the app, alongside your everyday finances. ### What are 'Flows' in WealthX? Flows are reusable patterns for recurring income, expenses, transfers, refunds, and bills. They help you prepare and manage these regular financial activities, ensuring you are prepared for upcoming transactions. ### Does WealthX offer different subscription plans? Yes, WealthX offers a 'WealthX Pro' subscription with two options: a monthly plan for $3.99 and a yearly plan for $34.99. These plans likely unlock additional features or remove limitations. ### What devices is WealthX available on? WealthX is available on Apple Watch, iPhone, and iPad, allowing you to manage your finances across multiple Apple devices. ### How often is WealthX updated? The app was last updated on July 30, 2026, indicating a recent focus on development and improvements. The latest version available is 2.4. ### Does WealthX have ads? Based on the provided data, WealthX does not have advertisements. Its monetization model is freemium, with optional in-app purchases and subscription plans. ## Version history (last 5 releases) ### 3.1.2 — 2026-10-12 WealthX 3.1 makes day-to-day money management clearer and simpler. Check your statements. Connect your accounts. Keep shared expenses organised. Familiar routines now feel smoother. Every decision is still yours. • Tap to open details: Open account, budget, and other detail views with a tap instead of a long press. The information you need is easier to reach. • Reconciliation: Import supported bank or payment platform statements, check matches and differences, then confirm changes to your records. • Connect from Apple Wallet: With your permission, sync balances and transactions from supported financial institutions in the UK, as well as Apple Card, Savings and Apple Cash in the US. Bring eligible accounts into one view and cut down on manual entry. • Project Budgets — Prepayments and Expense Sharing: Record prepayments for trips, dinners, and other shared expenses. Assign each person's share, then see totals, amounts owed, and suggested transfers. Complete the actual payments and repayments before confirming checkout. • Liquid Glass interactions: Menus, buttons, and icons adopt a fresh glass design, with clearer visual hierarchy and more natural feedback as you interact. • New control themes: Choose Burgundy Red or Night Sky to give familiar controls a new look. • Redesigned Search: Tap the page title to bring up the search field. Find transactions, accounts, budgets, and goals. Pending Review brings transactions awaiting confirmation into one place. • Richer account and budget details: See more information about your accounts and budgets, with smoother interactions for checking activity and budget progress. • Bank and payment platform icons: An expanded library covers more banks and payment platforms around the world, with support for glass-style icons. Recognize accounts at a glance and keep their look consistent. • Rename Planned Flows: Tap a Planned Flow in the list to rename it. Make recurring income, expenses, and other plans easier to recognize. • Refined widgets: Updated layouts make key financial information easier to read on your Home Screen. • Loading and performance improvements: Improved loading and response across pages make everyday browsing and navigation feel smoother. • Polished icons: Refined icon styles make feature controls and transaction statuses easier to recognize. ### 3.1.1 — 2026-10-05 Fixed an issue where data migration could cause iCloud sync to fail. WealthX 3.1 makes everyday money management clearer and easier. Reconcile your statements. Connect your accounts. Keep shared expenses organized. Familiar workflows now feel smoother. Every decision is still yours. • Tap to open details: Open account, budget, and other detail views with a tap instead of a long press. The information you need is easier to reach. • Reconciliation: Import supported bank or payment statements, review matches and differences, then confirm changes to your ledger. • Connect from Apple Wallet: With your permission, sync balances and transactions from Apple Card, Savings, and Apple Cash in the US, plus supported financial institutions in the UK. Bring eligible accounts into one view and cut down on manual entry. • Project Budgets — Prepayments and Expense Sharing: Record prepayments for trips, dinners, and other shared expenses. Assign each person's share, then see totals, amounts owed, and suggested transfers. Complete the actual payments and repayments before confirming checkout. • Liquid Glass interactions: Menus, buttons, and icons adopt a fresh glass design, with clearer visual hierarchy and more natural feedback as you interact. • New control themes: Choose Burgundy Red or Night Sky to give familiar controls a new look. • Redesigned Search: Tap the page title to bring up the search field. Find transactions, accounts, budgets, and goals. Pending Review brings transactions awaiting confirmation into one place. • Richer account and budget details: See more information about your accounts and budgets, with smoother interactions for checking activity and budget progress. • Bank and payment platform icons: An expanded library covers more banks and payment platforms around the world, with support for glass-style icons. Recognize accounts at a glance and keep their look consistent. • Rename Planned Flows: Tap a Planned Flow in the list to rename it. Make recurring income, expenses, and other plans easier to recognize. • Refined widgets: Updated layouts make key financial information easier to read on your Home Screen. • Loading and performance improvements: Improved loading and response across pages make everyday browsing and navigation feel smoother. • Polished icons: Refined icon styles make feature controls and transaction statuses easier to recognize. ### 3.1 — 2026-10-03 WealthX 3.1 makes everyday money management clearer and easier. Reconcile your statements. Connect your accounts. Keep shared expenses organized. Familiar workflows now feel smoother. Every decision is still yours. • Tap to open details: Open account, budget, and other detail views with a tap instead of a long press. The information you need is easier to reach. • Reconciliation: Import supported bank or payment statements, review matches and differences, then confirm changes to your ledger. • Connect from Apple Wallet: With your permission, sync balances and transactions from Apple Card, Savings, and Apple Cash in the US, plus supported financial institutions in the UK. Bring eligible accounts into one view and cut down on manual entry. • Project Budgets — Prepayments and Expense Sharing: Record prepayments for trips, dinners, and other shared expenses. Assign each person's share, then see totals, amounts owed, and suggested transfers. Complete the actual payments and repayments before confirming checkout. • Liquid Glass interactions: Menus, buttons, and icons adopt a fresh glass design, with clearer visual hierarchy and more natural feedback as you interact. • New control themes: Choose Burgundy Red or Night Sky to give familiar controls a new look. • Redesigned Search: Tap the page title to bring up the search field. Find transactions, accounts, budgets, and goals. Pending Review brings transactions awaiting confirmation into one place. • Richer account and budget details: See more information about your accounts and budgets, with smoother interactions for checking activity and budget progress. • Bank and payment platform icons: An expanded library covers more banks and payment platforms around the world, with support for glass-style icons. Recognize accounts at a glance and keep their look consistent. • Rename Planned Flows: Tap a Planned Flow in the list to rename it. Make recurring income, expenses, and other plans easier to recognize. • Refined widgets: Updated layouts make key financial information easier to read on your Home Screen. • Loading and performance improvements: Improved loading and response across pages make everyday browsing and navigation feel smoother. • Polished icons: Refined icon styles make feature controls and transaction statuses easier to recognize. ### 3.0.1 — 2026-08-28 Urgently fixed an issue that prevented Theme Pass purchases. WealthX makes complex financial management feel more natural. You don’t have to repeat the same setup or search crowded pages for what matters. When you need it, the next step is already there. You still make every decision. • Smart Flows: Based on recent activity and spending frequency, likely Flows appear when you may need them. Choose a Flow, enter the amount, and the record is done. • Smart Budget: Reviews historical transactions and current budgets, then suggests raising or lowering a future budget or changing its time frame. Nothing changes until you confirm. • Split Bill: Split one actual payment across multiple budgets while keeping every purpose clear. • Shared expenses, reimbursements, and refunds: Record someone’s share of a group expense, a reimbursement, or a full or partial refund while keeping the original payment visible. • Richer cashflow insights: Use Change, Concentration, and Cashflow Structure to see trends that deserve attention. • Redesigned across most pages: Clearer visual hierarchy helps you focus, while consistent icons make recurring, refunded, completed, and reconciled states easier to recognize. • More widgets, now free: Cashflow Calendar and Spending Heatmap widgets are now free. • Personalised themes: System, Light, and Dark themes are free; expanded themes are available with the corresponding access. • WealthX requires iOS 26 or iPadOS 26 or later. ### 3.0 — 2026-08-26 WealthX 3.0 makes complex financial management feel more natural. You don’t have to repeat the same setup or search crowded pages for what matters. When you need it, the next step is already there. You still make every decision. • Smart Flows: Based on recent activity and spending frequency, likely Flows appear when you may need them. Choose a Flow, enter the amount, and the record is done. • Smart Budget: Reviews historical transactions and current budgets, then suggests raising or lowering a future budget or changing its time frame. Nothing changes until you confirm. • Split Bill: Split one actual payment across multiple budgets while keeping every purpose clear. • Shared expenses, reimbursements, and refunds: Record someone’s share of a group expense, a reimbursement, or a full or partial refund while keeping the original payment visible. • Richer cashflow insights: Use Change, Concentration, and Cashflow Structure to see trends that deserve attention. • Redesigned across most pages: Clearer visual hierarchy helps you focus, while consistent icons make recurring, refunded, completed, and reconciled states easier to recognize. • More widgets, now free: Cashflow Calendar and Spending Heatmap widgets are now free. • Personalised themes: System, Light, and Dark themes are free; expanded themes are available with the corresponding access. • WealthX 3.0 requires iOS 26 or iPadOS 26 or later. ## Apps similar to WealthX | App | Rating | Price | Category | | --- | --- | --- | --- | | [我资道](https://appshunter.io/ios/app/id6751706245) | — | Free | Finance | | [iRich - Easy Asset Tracking](https://appshunter.io/ios/app/irich-easy-asset-tracking/id6752807691) | 5.0 (2) | Free | Finance | | [Pace Flow](https://appshunter.io/ios/app/pace-flow/id6756962228) | 5.0 (2) | Free | Finance | | [流记Flowm](https://appshunter.io/ios/app/flowm/id6748300092) | 5.0 (1) | Free | Finance | | [iMoney - Expense & Asset](https://appshunter.io/ios/app/imoney-expense-and-asset/id6759709829) | 5.0 (4) | Free | Finance | | [Aset: Net Worth, Asset Tracker](https://appshunter.io/ios/app/aset-net-worth-asset-tracker/id6770771739) | 5.0 (1) | Free | Finance | --- *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 2026-10-13.*