WealthMind: Budget & Finance

The first private finance app with an on-device AI advisor. Envelope budgets, net worth, FIRE planner — your money stays yours.

Every other AI-powered budgeting app sends your transactions to a cloud LLM to get an "insight". WealthMind runs the AI on your phone using Gemma 3n. Your account balances, your spending categories, your retirement goals — none of it leaves the device. The advisor still answers, the projections still work, and your data is still only yours.

✓ Envelope budgeting with automatic rollover and overspend rebalancing
✓ Net worth tracker — assets, liabilities, monthly delta, year-over-year chart
✓ FIRE planner — Coast FIRE, Lean FIRE, Fat FIRE projections with current burn rate
✓ On-device AI advisor — ask "can I afford this trip?" or "where did $200 go this month?"
✓ Debt payoff integrated with the avalanche/snowball logic from Debt-Free Plan
✓ AES-256 encrypted backups — optional Google Drive backup, encrypted before upload
✓ Multi-currency — base in HKD, USD, GBP, or any major currency
✓ Goal tracking — emergency fund, downpayment, retirement, side-by-side progress
✓ Recurring transaction templates — rent, utilities, subscriptions, payroll
✓ No bank connection — manual entry by choice; no Plaid, no MX, no read of your accounts

Your finances stay yours. Verifiably. WealthMind is 100% offline by design. The on-device Gemma AI model runs inference locally — there is no API endpoint we could send your spending to even if we wanted to. The optional Google Drive backup is encrypted on your phone with AES-256 before the upload, using a key only you hold.

Built for:
Privacy-conscious budgeters tired of Mint / Monarch / Copilot reading their bank accounts. Couples planning FIRE without uploading their entire financial life to a SaaS. Independent contractors managing cash-flow without a Plaid link. Anyone who wants AI-quality financial questions answered without paying with their data.

Why a private AI finance app matters: every "AI budgeting" tool in 2026 makes you pick between privacy and intelligence. WealthMind doesn't. The model is small enough (3 GB) to run on your phone after a one-time install. From there, no internet, no upload, full advisor — forever.

Download free now — the budget that doesn't budget you.