Personal wealth intelligence

Understand your money, not just your balances.

WealthCues brings your accounts, investments, spending and goals into one view — then explains what changed, why it matters, and what to look at next. Every number traceable. Nothing invented.

Explore the demo See how it works

No sign-up. The demo runs entirely in your browser with a fictional household.

wealthcues.com/app

Net worth

₹1.84 Cr

Investments

₹1.32 Cr

Cash

₹18.5 L

Liabilities

₹38.5 L

Allocation

₹1.32 Cr

Equity33%
Mutual funds30%
Debt25%
ETFs7%
Gold4%
Bonds1%

Net worth in the demo: ₹1.84 Cr
Transactions analysed: 1,000+
Grounded tools the assistant can call: 16
Figures the model may invent: Zero

What it does

Four layers, one answer: where do I actually stand?

Wealth data

One picture of everything you own and owe

Bank balances, brokerage holdings, mutual funds, retirement schemes, property, loans and cards — aggregated into a net worth you can actually explain.

Connected, imported and manual accounts behave identically everywhere
Holdings priced and costed so gain is separated from contribution
Property and other estimates clearly labelled as your own valuation

Open it in the demo

Intelligence

What changed, and why it matters

A deterministic engine computes the numbers; the interface explains them in plain language and shows the evidence behind every statement.

Net-worth movement split into contributions, market value, cash and debt
Recurring charges, unusual spending and possible duplicates surfaced automatically
Every insight opens to reveal the calculation and the inputs it used

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Planning

Goals and scenarios you can argue with

Change a contribution, a retirement age or a return assumption and watch the arithmetic follow. Projections are always labelled as projections.

Conservative, base and optimistic scenarios side by side
Funded ratio against the corpus your retirement spending actually needs
Goal status derived from the projection, not from a progress bar

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WealthCues AI

An assistant that cannot make things up

Ask a question in your own words. The assistant calls named tools against your data, computes the answer deterministically, and shows its working.

No free-form database access and no model-generated SQL
Declines rather than estimates when the data cannot support an answer
Every reply carries the tool calls and the evidence behind it

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How it works

The model never gets to be the source of truth

Your data is calculated on, not summarised from. Deterministic functions produce every figure; the language layer only explains what those functions returned.

1
Financial data
Accounts, holdings, transactions, assets and liabilities.
2
Normalisation
One shape for every source, connected or manual.
3
Calculation
Named deterministic functions. The database is the source of truth.
4
Retrieval
Only the figures a question actually needs.
5
Explanation
Plain language over computed results, with evidence attached.
6
Decisions
Goals, scenarios and the things worth reviewing this month.

What the assistant cannot do

Query your database freely or generate SQL
Invent a balance, a return, a holding or a transaction
Recommend a specific investment or predict a market
Fill a gap with an estimate when data is missing

What it does instead

Calls a fixed set of named, typed tools over your data
Runs deterministic calculations and reports their output
Attaches the evidence and the tool calls to every answer
Says “I don’t have enough information to answer that accurately”

Why you can trust the numbers

Every figure knows where it came from

Facts and estimates are never mixed

A measured balance, a calculation, an AI explanation and an assumption you entered are visually and verbally distinguished on every screen.

Every insight shows its working

Each statement opens to reveal the evidence, the data it used and the threshold that triggered it.

Plain language first, detail on demand

WealthCues says your portfolio trailed its benchmark, not that it lost 137 basis points of risk-adjusted performance. The detail is one click away for those who want it.

No performance claims

WealthCues makes no claims about investment returns. It reports what your data says and labels every projection as a projection.

Questions

Straight answers

Is WealthCues financial advice?: No. WealthCues gives you information, calculations and decision support. It does not recommend investments, predict markets, or replace a qualified financial, tax or legal adviser. Where a figure rests on an assumption you entered, the product says so on the same screen.
Can the AI invent a number?: It is built so that it cannot. The assistant has no direct database access: it calls a fixed set of named tools that return computed results from the deterministic engine, and composes its answer from those results. When no tool can supply what was asked, it declines instead of estimating.
Where does my data go in the demo?: Nowhere. The demo runs entirely in your browser against a fictional household, and anything you add or edit is stored in local storage on your own device. You can export it as JSON or reset it from Settings at any time.
Does it connect to my real bank?: Not in this build. The account model and provider interface are designed so an aggregator — Account Aggregator in India, or Plaid, Yodlee, MX and FinBox elsewhere — can populate accounts directly, and connected accounts behave identically to manual ones everywhere else in the product.
Which AI models does it use?: The AI layer is provider-agnostic. A common interface supports OpenAI, Anthropic, Google and locally hosted Ollama models, with model, temperature, context and token limits configurable per deployment. For privacy-sensitive deployments, local inference keeps financial context on your own infrastructure.
How are projections calculated?: By compounding what you have told the product to compound: your current portfolio and cash, and the contribution you set. Income beyond spending and contributions is reported as unallocated rather than silently invested. There is no market simulation and no probability distribution — these are arithmetic consequences of your assumptions.

Get in touch

Questions about the product, or a deployment?

WealthCues can run hosted or entirely on your own infrastructure, with a local model so financial context never leaves it. Tell us what you need.

Or follow along

See it with a full year of real-shaped data

WealthCues opens straight into a working dashboard — a fictional household with accounts, holdings, 1,039 transactions and six years of history. No sign-up, nothing to install.

Explore the demo