OFIRE vs Wealth Architect

Free & Simple Net Worth Tracker

Wealth Architect is a private, all-in-one personal finance app designed to give you a clear picture of your financial life — without asking for a login, a subscription, or access to your bank. Everything stays on your device. Always. —————————————————— UNDERSTAND YOUR FULL FINANCIAL PICTURE —————————————————— Financial Health Score Get a single 0–100 score across five dimensions: retirement readiness, emergency fund coverage, investment activity, insurance protection, and goal progress. Know where you stand and what to focus on next. Net Worth Tracker Track assets and liabilities to see your true net worth over time. Add bank balances, investments, property, vehicles, and any debts — and watch your net worth grow as you make better decisions. Wealth Projection Visualize where your wealth is headed. Customize assumptions for expected returns, inflation, and income growth to see long-term curves that reflect your actual situation. —————————————————— PLAN, PROTECT, AND GROW —————————————————— Goals Engine Set financial goals — a home, a car, education, travel, retirement, or anything that matters to you. Track your progress and see how close you are to each milestone. Retirement Readiness Estimate the corpus you need for retirement, calculate the gap from where you are today, and get a readiness score. Straightforward, honest, and actionable. Bucket Strategy Allocate money across short, medium, and long-term buckets based on your timeline and risk comfort. A simple framework to bring structure to your wealth. Stress Testing Run scenario analyses to see how your finances hold up under pressure: job loss, a medical emergency, a market crash, or a spike in inflation. Know your vulnerabilities before they find you. —————————————————— DAILY MONEY HABITS —————————————————— Expense Tracker Log your daily spending by category, set monthly budget limits, record income sources, and track your savings rate — all in one place. Expense Streak Build the habit of tracking expenses daily with a flame streak counter. Consistency is the foundation of financial awareness. Debt Tracker Manage loans with full EMI breakdowns, interest rates, and a debt-to-asset ratio view. See how your debt compares to your total assets and plan your path to financial freedom. —————————————————— TAX & INVESTMENT PLANNING —————————————————— Tax Planning Track your tax-saving investments against configurable limits. Stay informed about how much you've invested and how much headroom remains — without any external data required. Investment Policy Statement Generate a personalized Investment Policy Statement based on your goals, time horizon, and risk profile. A document that keeps your investment philosophy clear and consistent. Personalized Insights The app reads your own data and surfaces meaningful observations — patterns in your spending, gaps in your coverage, and opportunities worth considering. All generated from your numbers, never from a cloud server. —————————————————— PRIVACY BY DESIGN —————————————————— • No account required — ever • No internet connection needed • No data sent to any server • 100% on-device storage • Supports 10 currencies: INR, USD, EUR, GBP, JPY, AUD, CAD, SGD, AED, CHF Wealth Architect is built for people who want to understand their money honestly and completely. No noise, no hype — just the tools to make thoughtful financial decisions. Download free and start building your financial clarity today.