Wealth Path vs Spensei

Wealth Path is a powerful net worth tracker that helps you understand where you stand today and where your money could take you tomorrow — without ever asking for a bank login. Add your assets and debts manually, track your personal wealth, and see the dates that matter: when you could retire early, become debt free, achieve financial freedom, or reach your next major milestone. NET WORTH TRACKER, NOT A BUDGET APP Build a complete picture of your finances with an asset tracker, debt tracker and wealth tracker designed around long-term progress. Track savings, investments, real estate, crypto, vehicles, pensions and more across 12 asset categories. Log value changes, build your history and explore interactive charts showing assets, debts and total net worth. The net worth calculator brings everything together into a personal balance sheet that you control. PLAN FOR FINANCIAL INDEPENDENCE Turn financial planning into a measurable path forward. Use the FIRE calculator to estimate your financial independence date based on your own assumptions. Explore Coast FIRE, required savings rates, portfolio milestones and Worth by Age. The financial independence calculator helps you explore when work could become optional, while the retirement planner shows how your current path could lead toward early retirement. Change expected returns, inflation rates and tax assumptions to understand what could help you retire early and reach financial freedom sooner. SEE YOUR DEBT-FREE DATE Use the debt payoff calculator to project when loans and mortgages could be eliminated. Your debt tracker keeps liabilities visible, while month-by-month amortization projections show how balances could change over time. Model additional payments with the debt payoff calculator and see how they could bring your debt free date closer. TRACK THE WEALTH YOU'RE BUILDING Your asset tracker makes it easy to monitor what you own. Your wealth tracker shows how those assets contribute to your financial progress, while the net worth calculator keeps the bigger picture visible. Whether you're pursuing early retirement or simply building personal wealth, Wealth Path helps you understand whether you're moving in the right direction. 150+ CURRENCIES, ONE NET WORTH Track assets in more than 150 currencies with live exchange rates and see one consolidated net worth. It's built for expats, immigrants, remote workers and anyone managing personal wealth across countries. NO BANK LOGIN REQUIRED Wealth Path never asks for banking credentials. Nothing is scraped or sold, and there are no ads. Update your values manually and your history, asset tracker, debt tracker and projections update with them. MORE THAN A WEALTH TRACKER Ask the AI Financial Assistant questions about your numbers, import CSV or JSON data, export PDF reports and receive milestone alerts. Use the FIRE calculator, retirement planner and financial independence calculator to explore your path toward financial freedom. Combine powerful financial planning with projections that help you understand when you could retire early or become debt free. START FREE Track up to 10 assets and 5 debts with charts, history and headline projection results. Upgrade to Pro for unlimited assets and debts, complete projections, multi-currency support, AI chat, imports and PDF exports. Wealth Path – Net Worth Tracker gives you the tools to track personal wealth, plan early retirement and turn your financial future into something you can actually see. Wealth Path is a personal tracking and calculation tool, not financial advice. All projections are estimates based on assumptions you provide and do not guarantee future results. Terms of Use: https://www.wealthpath.pro/terms Privacy Policy: https://www.wealthpath.pro/privacy

Spensei logs every Apple Pay purchase seconds after you pay and tells you what is safe to spend today. No bank login, and your purchases are stored on your iPhone, not on our servers. HOW IT WORKS Set up one Shortcuts automation, once, with the steps in the app. From then on every Apple Pay tap lands in Spensei on its own, sorted into a category, with a short note on your screen. WHAT YOU GET • Left today: your monthly limit, or your pay minus your bills, turned into one number for today. Tap it to see exactly how it is worked out. • A note the moment you pay, with the amount, the category and what is left today. • Belts for days on track. Close enough still counts, and a belt is never taken away. • A morning note with how yesterday went. • Habits that add up, like a coffee run that costs more a year than you would guess. • Your month in review on the 1st. • Subscriptions, with a reminder before each renewal and before a free trial ends. • A heads up when a shop charges you twice, while you can still ask for it back. • Goals: save toward something, or keep the month under a number. • Home screen widgets. • Add a purchase by hand for cash, debit or anything Apple Pay does not see. ASK ABOUT YOUR MONEY Ask in plain words and get answers worked out from your own numbers: the figures are calculated first, then explained. The chat is optional and asks before it sends anything. PRIVATE BY DESIGN Apple Pay purchases are kept on your iPhone. Spensei never sees your card number and never asks for a bank login. Connecting a bank through Plaid is optional and in beta. SPENSEI PRO Tracking, the daily number and everything on the Spending page are free. Spensei Pro adds more from the chat: 30 answers a day instead of 30 a week, 15 advanced answers a day, and photos and PDFs. Monthly or yearly, with a 7 day free trial. Payment is charged to your Apple Account and renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your App Store account settings. Spensei is a spending coach, not a financial adviser. Its answers are general information, not professional advice. Privacy Policy: https://hmokbel.github.io/spensei/#privacy Terms of Use: https://hmokbel.github.io/spensei/#terms