WealthFluent vs Balances.ai

WealthFluent is an AI-powered wealth management platform built for people who want to be in control of their own financial future — without paying thousands a year to a traditional advisor. It empowers you with clarity, control, and confidence in managing your financial health, holistic lifetime planning, and portfolio optimization. By seamlessly integrating net worth tracking, dynamic wealth planning, and risk management, it crafts personalized strategies that adapt to your unique goals, life changes, and real-time market conditions—ensuring you’re prepared for whatever comes your way. We’re democratizing sophisticated wealth management, delivering institutional-grade insights directly to independent investors. CONNECT ALL YOUR ACCOUNTS Link your banks, brokerages, retirement accounts, and more in minutes. For the first time, see every asset and every liability — your home, mortgage, investments, and Social Security — in one place. KNOW WHERE YOU REALLY STAND Get your Financial Wellness Score, debt health analysis, and a complete, real-time picture of your net worth. No guessing. No spreadsheets. Just clarity. BUILD YOUR LIFETIME PLAN Map every major milestone — retirement, home purchases, college funding, major life events — and instantly see how each decision shapes your long-term financial trajectory. Your plan updates dynamically as markets and your life change. OPTIMIZE YOUR PORTFOLIO WealthFluent's Portfolio Optimization Engine analyzes your holdings across 56 risk dimensions using forward-looking market data — not just historical averages. Simulate trades before you make them. Rebalance with one click. Align your investments to your actual goals, not someone else's model portfolio. MEET MAGPIE — YOUR AI FINANCIAL COMPANION Magpie isn't a generic chatbot. It's an AI companion trained on WealthFluent's proprietary financial content and connected to your actual data. Ask Magpie anything — portfolio performance, how a job change would affect your plan, what a market shift means for your goals — and get instant, personalized answers. Privacy Policy: https://wealthfluent.com/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ https://wealthfluent.com/terms-of-use/

You run the business. Balances runs the finances. Skip the clicks and just say it. Tell your agent what you need in plain English, and Balances handles the bookkeeping, invoices and receipts. Everything stays in one app, on real double-entry books your accountant can read. MEET YOUR AGENT • Ask how much cash you have and who owes you the most. Sam, your agent, answers with your numbers. • Sam shows you each change and waits for your yes before making it. ONE PLACE FOR EVERYTHING THAT NEEDS YOU • Bank and card activity arrives with a suggested contact and category, and the reason for it. • Approve one transaction or a whole group in a tap, and undo it if you change your mind. • The bell on Home lists what needs you. • Get a phone alert for a payday, a failed recurring invoice or a broken bank feed. THE PAPERWORK DOES ITSELF • Photograph a receipt, pick one from your library, or add a file. • Balances reads it and finds the bank charge it belongs to. • Keep receipts in other currencies in their own currency. GET PAID • Create and send invoices and estimates from your phone. • See what is awaiting payment, partly paid or overdue. • See who owes you and what you owe on the Home screen. KNOW YOUR NUMBERS • Open your Profit & Loss and Balance Sheet any time. • Filter your Profit & Loss by tag. BUILT FOR MORE THAN ONE • Run more than one business, and choose the alerts for each. • Bookkeepers see their clients and their own businesses separately. Your bank connections are read-only, and you can export your data anytime.