Built on the principles of the financial masterminds
Start free. Upgrade when you're ready for the full household retirement model, Claude-powered deep analysis, and CSV exports. Cancel anytime — no guilt, no retention gauntlet.
| Free | Plus | |
|---|---|---|
| Monthly budget (Overview · Categories · Breakdown) | ✓ | ✓ |
| Cloud sync, auto-save | ✓ | ✓ |
| Debt payoff & compounding projections | ✓ | ✓ |
| Rules-based Advisor (25 rules, expert-cited) | ✓ | ✓ |
| Basic retirement inputs | ✓ | ✓ |
| The WealthyWai Blueprint (free guide) | ✓ | ✓ |
| Household retirement model (2 earners, SS, TRS, WEP/GPO) | — | ✓ |
| Claude-powered narrative deep analysis | — | ✓ |
| CSV export | — | ✓ |
| Priority support | — | ✓ |
Yes. Every Plus subscription starts with a 14-day free trial. We ask for a card but you won't be charged until day 15, and you can cancel any time from Account → Manage billing.
The Free rules engine is deterministic — the same inputs always produce the same 25-card output, each card cited to a specific expert or SSA/IRS publication. The Plus Claude analysis is a narrative read on your whole household, written by Claude Sonnet 4.6 using the same principles but weighing everything together. Think checklist vs. conversation.
Yes. The retirement model handles TRS/CalSTRS benefit formulas (years × multiplier × FAS), Rule of 80/90 eligibility, WEP reduction on your own Social Security (SSA Pub 05-10045), and GPO offset on spousal benefits (SSA Pub 05-10007). Every calculation cites its source.
Never. We don't integrate with banks. You enter numbers manually — your balances, your salary, your PIA estimate. That's intentional: the slower manual step is where the insight happens, and we never hold anything sensitive.
Anytime, from Account → Manage billing. Your data stays; you just drop back to Free tier at the end of the billing period. No retention calls, no hassle.
No. WealthyWai is an educational tool. Every projection and recommendation is sourced from published principles or government formulas, but nothing here is personalized fiduciary advice. For that, talk to a fee-only fiduciary.