Wealthio vs Philia Vault

See your complete financial position—assets, liabilities, and net worth—in one simple multi-currency balance sheet. Wealthio is a focused personal finance app for people who want clarity without the complexity of budgeting tools or bank integrations. Add what you own, record what you owe, and see your net worth in your preferred currency. Track cash, bank accounts, investments, crypto, real estate, vehicles, mortgages, loans, and other assets or debts. Wealthio brings everything together in one calm, easy-to-understand financial snapshot. As you use Wealthio, it automatically builds a private history of your net worth. See up to 90 days of changes directly on the dashboard and inspect individual recorded values on the chart. Keep your financial information protected with optional App Lock using Face ID, Touch ID, or your device passcode. Wealthio also hides sensitive content when the app moves to the background. With Wealthio Premium, Balance Sheet Insights gives you a deeper view of how your financial position is composed and how it changes over time. KEY FEATURES • Track assets and liabilities in one place • See total assets, total liabilities, and net worth • Follow up to 90 days of net worth history • Inspect recorded values on an interactive dashboard chart • Convert your entire balance sheet into your preferred currency • Support for 20+ global currencies • Currency and crypto price updates • App Lock with Face ID, Touch ID, or device passcode • Privacy mode to hide financial totals when needed • Manual entry with no bank connection required WEALTHIO PREMIUM Upgrade to Wealthio Premium for deeper insights and additional tools to keep your financial picture current and available across your devices: • Balance Sheet Insights with net worth composition, asset allocation, largest holdings, liability composition, and currency exposure • Compare Net Worth, Assets, Liabilities, and Debt-to-Assets over time • Complete net worth history with extended time periods • Track historical Net Worth, Assets, and Liabilities • Portfolio Review to identify assets and liabilities that may need updating • Review entries one at a time, confirm values, update them, or come back later • Choose a Weekly, Monthly, Quarterly, or Never Portfolio Review cadence • Optional Portfolio Review reminders • iCloud sync across your devices • Home Screen widgets for quick access Wealthio is designed to feel clear, private, and intentional. No transaction feeds. No budgeting clutter. No bank connection required. Just a simple view of what you own, what you owe, and how your financial position changes over time. Privacy Policy: https://marcvitbr.github.io/wealthio-privacy-policy/ Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Are you actually building wealth — or just earning and spending money? Philia Vault helps you see your real financial position: net worth, assets, liabilities, cash flow, and financial independence — all in one place. Stop looking only at where your money went. Start seeing where your financial life is going. WHAT PHILIA VAULT DOES Net Worth & Assets — Track everything you own vs. everything you owe, and see your net worth update as your financial data changes. Cash Flow — See your income and expenses relative to your true monthly costs, not just a transaction feed. Financial Independence Index (FII) — Know exactly how much of your monthly living costs your assets already cover. Scenario Simulation — Model major decisions (a home purchase, a career change, an investment) before you make them. AI Coach — Get pattern insights and reflective questions on your own numbers. Educational insights only — not personalized investment advice. LEARN & GROW Learn & Philia Library — Bite-sized lessons, audio micro-lessons, quizzes, XP, and streaks that take you from Understand → Learn → Decide → Act → Progress. Philia Empire (Tycoon Simulation) — Practice real financial decision-making in a virtual business: Income → Capital → Decisions → Asset Acquisition → Cash Flow → Reinvestment → Growth. 100% virtual currency, no real-world value. WHO IT'S FOR Built for people who already earn and pay their bills, but want to know if they're actually making financial progress — not just another budgeting tool. AVAILABILITY & PRIVACY Available in English, French, Spanish, and Portuguese. Subscription-based. All data is entered manually — no bank account connection required. Philia Vault includes an auto-renewable subscription. Payment is charged to your Apple Account after confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. You can manage or cancel your subscription in your Apple Account settings. Terms of Use: https://philiavault.com/terms Privacy Policy: https://philiavault.com/privacy