Wealth Architect vs Alterac Worth

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.

Alterac Worth is a net worth tracker built to help you understand your financial progress over time. Add your assets, debts, and notes, then turn your history into charts, statistics, projections, goals, achievements, AI reviews, and annual reports. It is designed for people who want the benefits of a personal finance spreadsheet without having to maintain one. Track your net worth regularly, review how it changes, and see a clearer picture of where you stand. *** AI-powered insight *** Users can generate an AI Net Worth Review that analyzes their entry history and turns the numbers into an easy-to-read report. Use it to spot momentum, understand recent changes, and get practical next steps based on the data you have entered. *** Why it feels better *** • See your full financial picture - track assets, liabilities, and total net worth in one place • Understand your progress - charts and statistics help you see growth, volatility, and trends • Plan ahead - projection tools estimate where your net worth could be in the future • Work toward goals - set a target net worth amount and track progress over time • Group related accounts - use asset and liability tags for categories like Investments, Debt, Cash, or Real Estate • Stay motivated - achievements reward consistency, recovery, growth streaks, goals, backups, and milestones • Keep your data useful - import history, export backups, and monitor backup health *** Track what matters *** Each entry can include: • Entry date • Optional notes • Assets, such as cash, investments, home equity, vehicles, or custom categories • Liabilities, such as loans, credit cards, mortgage debt, or custom categories You can make a quick simple entry or add detailed assets and liabilities when you want deeper charts and reports. *** Insights beyond the basics *** Alterac Worth helps you understand your numbers from multiple angles: • Net worth change over time • Asset and liability breakdowns • Tag-based charts • Advanced statistics • Average and compound growth rates • Standard deviation • R-squared trend fit • Entry-to-entry change • Asset mix over time • Interactive chart values Users can also generate annual PDF reports with yearly highlights, net worth movement, achievements, goals, and detailed asset and liability context. *** System features *** Use Home Screen widgets, Lock Screen widgets, Shortcuts, Siri, Spotlight, and quick actions to keep Alterac Worth close to your everyday workflow. *** Free and Premium *** Alterac Worth includes free net worth tracking for up to 12 entries. Upgrade to Premium to unlock: • AI net worth reviews • Annual PDF reports • Net worth projections • Advanced statistics • Projection confidence with R-squared • Unlimited net worth entries • Asset and liability tracking charts • Asset and liability tags • Tag-based charts • Entry-to-entry change charts • Asset mix charts • Interactive chart values • Default chart date ranges • Custom Home sections • Import history • Export backups • Backup health tracking • Premium achievements • A 7-day free trial Premium is available as a monthly or yearly subscription. *** Who it is for *** • People who track net worth monthly or quarterly • Spreadsheet users who want something simpler on their phone • Anyone working toward financial independence • People paying down debt and building assets • Anyone who wants to understand their financial trend over time *** Legal *** Terms of Use: https://alteracsoftware.com/alterac-worth/terms-of-use Privacy Policy: https://alteracsoftware.com/alterac-worth/privacy-policy EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/