Wealth Compass Tracker vs Philia Vault

Wealth Compass is a private, local-first personal finance dashboard that helps you understand your net worth, cash flow, investments, crypto assets, and liabilities in one place. Build a clear picture of your finances: - View net worth, cash balance, investments, and crypto at a glance - Track income and expenses with categories and visual trends - Schedule recurring transactions and receive optional local reminders - Monitor stock, ETF, and cryptocurrency holdings - Review cost basis, profit and loss, and portfolio allocation - Track liabilities alongside your assets - Follow net-worth history with automatic local snapshots - Convert values using cached ECB reference exchange rates - Hide sensitive amounts instantly with Privacy Mode - Protect the app with Face ID or Touch ID - Export, import, and delete your local data whenever you choose Your financial records stay on your device. Wealth Compass does not require an account and does not store your portfolio or transaction history on developer-operated servers. Optional market-price updates use API credentials that you provide. Credentials are stored securely in the iOS Keychain. Wealth Compass is an informational tracking tool. It does not connect to financial institutions, execute trades, provide financial advice, or guarantee the accuracy of third-party market data.

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