Your entire wealth. One intelligent system. Zero advisory fees.
A platform that unifies your accounts, analyzes your portfolio, plans for your future, and gives you the professional-grade insights advisors NEVER show you.
Built by finance experts. Trusted by self-directed investors like you.
Turn real-time data into confident financial decisions.
For too long, everyday investors have been stuck between generic tools and outdated advice from wealth managers who charge outrageous fees.
WealthFluent's do-it-yourself wealth management system empowers you to make smart, data-driven financial decisions, giving you clarity and control over your money—without the hefty advisor costs.
Imagine knowing exactly how much to save, when to retire, and how today's financial decisions impact tomorrow, with the touch of a button.
WealthFluent helps give me the confidence I need to manage my own investments with up-to-date access to my entire wealth portfolio and financial information!”
How WealthFluent works
We believe no one understands your financial goals better than you. So, we give you the tools to manage your own wealth using strategies and practices from some of the world's top financial leaders—100% tailored to your unique situation, lifetime goals, and current market conditions.
See everything in one place
WealthFluent pulls all of your finances into one dashboard—investments, income, assets, liabilities—so you can evaluate your financial health in one snapshot.
Get real-time, personalized insights
WealthFluent analyzes your portfolio and identifies your risk and opportunities based on dynamic market data. Then, it gives you a personalized financial plan—an actual portfolio you can invest in today—tailored to your risk preferences and long-term goals.
Consult with your AI financial companion
Our AI models are trained on the principles from Stanley J. Kon, PhD—Professor, researcher, former editor of The Journal of Fixed Income and author of Do-It-Yourself Wealth Management. Instead of generic robo-advice, you get institutional-grade analysis adapted to your personal financial reality.
Ditch the spreadsheet, the complexity, and the uncertainty
All-in-one features designed for your finances and your future.
Financial Health Monitor
Know exactly where you stand at all times. Automatically track every asset and liability in one place, with real-time updates that eliminate guesswork.
Lifetime Financial Planning
Build a lifetime financial plan based on your goals and what the market is offering. See how every financial decision impacts your dreams, timelines, and potential. Dynamically creates and maintains an investable target portfolio.
Real-Time Portfolio Optimization
Integrate multiple investment accounts and reduce complexity by viewing your investments as one complete portfolio. Automatically identify constraints, suboptimal allocations, risk imbalance, and move closer to your personalized benchmark.
Expert Market Analysis
Get real-time, actionable insights into market trends, helping you seize opportunities or mitigate risks before they impact your strategy.
Highly-Trained AI Companions
Trained by WealthFluent's finance experts, our AI agents are here whenever you need them, empowering you to make informed decisions without the fees and wait times of human advisors.
"Finally, my husband and I can see our complete financial picture without sharing passwords. We each securely connect our own accounts, and WealthFluent gives us one unified view of everything."
The WealthFluent difference is clear
Most online money tools only do one thing: budgeting, aggregation, or investing. WealthFluent is the only complete, integrated decision-making platform for financial planning and wealth management—without any sneaky upsells for financial services.
This is the only platform where YOU decide where to invest—but with insights normally reserved for advisory firms.
| Let's Compare |  |
 (formerly Personal Capital) |
 |
 |
 Digital Advisor ® |
 Wealth Advisory |
|---|---|---|---|---|---|---|
| Net worth and account aggregation | Advanced Beyond All Competitors with Risk Management Tools | |||||
| Transactions/cash flow tracking | ||||||
| Portfolio management toolset | Limited | Limited | Limited | Limited | ||
| Dynamic lifetime wealth planning | ||||||
| Market analysis | Limited | |||||
| Includes illiquid assets/liabilities | ||||||
| Wealth portfolio management and optimization | ||||||
| Price | As low as $180/year | $8,900 | $2,500 | $2,500 | $3,000 | $8,000 |
Try WealthFluent completely free today–no commitment required.
Start your 14-day free trial and get instant access to all of WealthFluent’s powerful features—plus, lock in your rate for 24 months as long as you remain a member. It’s completely confidential, completely secure, and you can cancel anytime.
Choose Your Plan
Monthly Plan
Advanced portfolio tools with AI-powered decision support
- 14-Day Trial
- Magpie AI Companion
- Portfolio Optimization Engine
- Market & Risk Analysis
- Spouse/Partner Login
- Collaboration Tools
Annual Plan
Advanced portfolio tools with AI-powered decision support
- 14-Day Trial
- Magpie AI Companion
- Portfolio Optimization Engine
- Market & Risk Analysis
- Spouse/Partner Login
- Collaboration Tools
"Say goodbye to spreadsheets! WealthFluent's unique product combines real-time financial data with your accounts and innovative portfolio management tools."
Bank-Level Security. Read-Only Access.
Your privacy and security are our top priorities. WealthFluent is designed with bank-level encryption, ensuring your financial data is always fully protected. The secure connections operate with read-only access to accounts via Envestnet Yodlee / Fingoal. Your sensitive data is secure, and your accounts are untouchable and not viewable by the WealthFluent team.