WinWealth
Wealth OS
Free for the Sovereign Wealth community
Free net worth, budget & goals tracker
Your finances, in one place. Track accounts, goals and investments with WinWealth — free for the Sovereign Wealth community, with no bank connection required.
Free to use. No bank connection required.
Everything in one place
Know what you own. Know what you're building. Know your next move.
Sovereign Score
A 0–100 educational wellness score for your financial habits.
Net Worth
Assets minus liabilities, tracked with monthly snapshots.
Goals
Written goals with numbers, deadlines, and progress tracking.
DCA Calculator
Project consistent contributions with hypothetical returns.
Emergency Fund
Know exactly how many months of runway you have.
Debt Payoff
Snowball or avalanche — see payoff dates and total interest.
Save the Change
Round up purchases manually and watch spare change compound.
Watchlist
Track ideas with thesis, risks, and conviction — no live trading.
Freedom Number
Your runway, your 6 and 12-month targets, your FI number.
Real Estate Planner
Equity tracking and buy-another-property modeling.
Business Purchase Planner
Model buying an existing business with real debt service.
Credit Strategy
Utilization, 0% promo planning, and honest leverage math.
Next $100
An educational example of where your next $100 could go.
Set goals you'll actually hit
Write the goal down. Put numbers behind it. Track your progress. Stay consistent. Goal-setting research has found that written goals, action commitments, and regular progress accountability can improve goal achievement compared with simply thinking about goals.
"A dream becomes more powerful when it has a number, a deadline, and a plan."
Track your net worth
Bring what you own and owe together. Save monthly snapshots and see your progress over time.
Built for tips and self-employed income
Log shifts, build a Freedom Fund and estimate tax reserves without losing sight of your next move.
Ask Wendy
Talk through your finances with an AI coach using the numbers you enter. Educational guidance, not financial advice.
Free calculators
Mortgage Calculator
Compare the whole housing payment, not just the loan.
Car Loan Calculator
A smaller payment can hide a bigger total cost.
Loan Payoff Calculator
Put a date and a cost beside your debt.
Tip Tracker for Servers & Bartenders
Not going to be a waiter or bartender forever.
Tip Income Tax Set-Aside Calculator
Build a buffer for taxes on your tips.
Quarterly Estimated Tax Calculator
Plan a reserve before the next tax deadline.
Wealth Projection Calculator
Turn a long-term number into a monthly target.
Net Worth Tracker
Know what you own and what you owe.
Budget Tracker
Give everyday spending a clear plan.
Financial Goal Tracker
Turn a dream into a plan you can follow.
Bitcoin Purchase Tracker
Keep a clear record of your Bitcoin purchases.
Wendy AI Money Coach
A conversation about your numbers, not generic advice.
Stay consistent
Get the Weekly Sovereign Wealth Challenge
One small, concrete money action in your inbox each week.