# WealthX - Smart Budget & Flows — Clear Cashflow, Less Effort

> 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-smart-budget-and-flows/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 · 87 MB
- Languages: Danish, Norwegian Bokmål, Hindi, Indonesian, Turkish, German (Germany), Italian, Czech, Japanese, French (France) and 14 more
- Released: 2025-08-31
- Data updated: 2026-08-28
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/wealthx-smart-budget-and-flows/id6749512735/reviews.md

## What is WealthX?

Your finances can be complex. Managing them doesn’t have to be.

WealthX turns precise financial structure into an experience that feels clear and natural. See assets and liabilities alongside cash, bank accounts, digital wallets, credit cards, investment accounts, and multiple currencies. Connect budgets, Scenarios, transactions, goals, and longer-term plans without searching across scattered records.

Most pages have been redesigned to make the right information easier to notice. Recurring, refunded, completed, and reconciled transactions have distinct symbols, while consistent menu icons make actions easier to recognize at a glance. Choose a theme you enjoy and make a rigorous financial system feel more like your own.

Flexible Budgets
Life doesn’t happen on one monthly schedule, and your budgets shouldn’t have to. Plan daily spending, trips, family needs, and longer-term commitments by month, quarter, year, or project, without squeezing everything into one monthly view.

Smart Budget (Pro) analyzes historical transactions and current budgets to suggest raising or lowering a future category budget, or changing the time frame so progress is more meaningful and measurable. Every suggestion is reviewable and only applies after you confirm.

Scenarios
Everyday life, travel, family, and projects each have their own purpose and boundaries. Scenarios use budgets to express these parts of life without directly binding to an Account.

Goal Tracker
Turn “I want to” into progress you can see. Set goals for saving, debt repayment, and asset purchases, then follow them with linked accounts and milestones.

Flows
The things you do often shouldn’t start from a blank form. Record income, expenses, transfers, refunds, and recurring transactions. Smart Flows (Pro) use recent activity and spending frequency to bring likely Flows forward. Choose a Flow, enter the amount, and you’re done.

Split Bill splits one actual payment across multiple budgets, keeping each purpose clear. It is still the record of one payment—not collaboration or automated settlement.

Keep shared expense repayments, reimbursements, and full or partial refunds linked to the original transaction, so the original payment and what followed remain clear.

Investment Portfolio
Investments shouldn’t be separated from everyday finances. Track investment accounts, holdings, trades, deposits, withdrawals, buys, sells, and market value alongside daily income and spending.

Investment information is for records and context only. WealthX does not provide investment advice, predictions, or return guarantees.

Search and Statistics
As your records grow, what matters is being able to find them. Search transactions, accounts, budgets, goals, holdings, and Flows in one place, then use supported import, export, and backup paths.

Cash Flow and Insights
More data only helps when it becomes easier to understand. Review cashflow trends, distributions, Change, Concentration, and Structure through charts and widgets, and see location patterns in Cashflow Map. Location permission is required.

Basic views plus Cashflow Calendar and Spending Heatmap widgets are Free. Change, Concentration, and Cashflow Structure insights are Pro. System, Light, and Dark themes are free; expanded themes require the corresponding theme access.

Privacy
Your financial records should remain under your control. Depending on platform and settings, records stay on your device or in your private iCloud database. Export a portable copy whenever you need one.

Privacy Policy: https://werd-portfolio.eric-dai.chatgpt.site/wealthx?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 |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/wealthx-smart-budget-and-flows/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

**Developer response:** 谢谢支持，WealthX目前处于快速扩展阶段，终生版目前暂不考虑推出。目前已适配iPad端UI；鉴于设备交互逻辑不同，我们对Mac端体验上的期待也非常高，Mac端的发布需要等等

## 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)

### 3.0 — 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.

### 2.4 — 2026-07-30

• Refined the Goals and Scenarios experience with a cleaner interface.
• New shared-expense and reimbursement tools. Add them from the top menu in Transaction Details to record group meals, company dinners, and more.
• New investment statistics charts, powered by EODHD market data, for a clearer view of your portfolio.
• We continue to improve your experience.

### 2.3.2 — 2026-07-21

• Added support for Apple Watch and widgets.
• Expanded budget templates in preparation for future smart features.
• Fixed bugs and improved stability and performance.

### 2.3.1 — 2026-07-12

• Fixed known issues and improved overall app stability.
• Optimized interactions and performance for a smoother experience.

### 2.3 — 2026-07-01

• Redesigned account, budget, and transaction pages with a clearer matrix-style layout.
• Moved transaction flow actions into a shortcut menu, keeping frequent actions closer and pages cleaner.
• Added an income and expense calendar widget for checking daily income and spending changes on the Home Screen.
• Users in the United States can now subscribe to WealthX Pro through Stripe.

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*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.*