Sovereign Wealth
Wealth OS
Free for the Sovereign Wealth community
Subscribe to Sovereign Wealth and use the free Wealth OS to track your goals, net worth, debt payoff, investing consistency, property equity, and freedom runway — all in one simple place.
Free to use. No bank connection required.
Everything in one place
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.
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."
Stay consistent
One small, concrete money action in your inbox each week.