Personal finance, reimagined

Your money deserves
a smarter circle

WealthCircle connects to your bank accounts, analyzes your spending and investments, and gives you clear guidance to hit your financial goals. Then it connects you with people on the same journey and unlocks perks you didn't know you had.

Get Started Free →👀 See it in Action

Free forever plan · No credit card required

See your finances clearly,
for the first time.

No spreadsheets. No guesswork. Just a live dashboard that shows exactly where your money is going — and how to grow it.

📊 Financial Dashboard
A
82/100
Financial Health Score
Savings
78%
Consist.
71%
Balance
88%
Net Worth
$24,830
↑ +$640 this month
Monthly Spending
$2,140
of $3,200 budget
Spending by Category
Food House Trans Shop Ent Invest Health Other
🎯 Financial Goals
🏦 Emergency Fund 65%
$5,200 savedGoal: $8,000
🏠 House Down Payment 30%
$12,000 savedGoal: $40,000
✈️ Vacation 2026 92%
$1,850 savedGoal: $2,000
AI

At your current savings pace, you'll reach your Emergency Fund goal 2 months early. Consider increasing your Down Payment contributions.

$180
Weekly Target
$220
Saved This Week
+$40
Ahead of Pace
👥 Community Tips
🏆
⭐ Leader
Switched to Fidelity ZERO funds. No expense ratio. That's $180/yr in fees I'll never pay again. Compounded over 30 years = real money.
🎯
Housing
Negotiated rent down $150/mo by signing an 18-month lease. Landlord preferred stability over a higher rate.
Your Spending vs. Income Bracket
Food-8% vs avg
Transport+12% vs avg
✦ Perks Marketplace
Grade A unlocks all 3 tiers — 15 perks available
💳
2% Cash Back Upgrade
Tier 1
✓ Claimed
📈
3% Savings Bonus Rate
Tier 2
Claim →
✈️
Lounge Access Pass
Tier 3
Unlocked
🎓
Free Finance Course
Tier 1
✓ Claimed
🏦
Zero-Fee Checking
Tier 2
Claim →
🍽️
Restaurant Partner Deal
Tier 1
✓ Active
Total Perks Value $340/yr
Better habits = better perks. Keep your Grade A to keep all 15 unlocked.
$320B
Global fintech market, 2025
73%
of credit card perks go unused
0
apps combining finance, community, and perks

Three pillars. One platform.

Every finance app gives you one piece. WealthCircle gives you the full picture.

📊

Financial Intelligence

Connect your bank accounts and investments. Get AI-powered spending analysis, investment insights, and personalized guidance to reach your goals faster.

👥

Goal-Based Circles

Join or create Circles with people chasing the same financial goals. First-time homebuyers, early retirees, index fund builders. Your money journey isn't solo anymore.

Curated Perks

Unlock rewards from banks, credit cards, restaurants, and membership clubs. The better your financial habits, the better your perks. Smart money gets rewarded.

How WealthCircle works

01

Connect

Link your bank accounts, credit cards, and investment portfolios securely.

02

Understand

See where your money goes, how your investments perform, and what to optimize.

03

Grow Together

Join Circles of people with similar financial goals. Share strategies, stay motivated.

04

Earn

Unlock perks and membership benefits as you hit milestones and build better habits.

We can see your finances.
We can never touch your money.

Bank-level security powered by Plaid. Your credentials never touch our servers.

🔒

256-Bit Encryption

The same bank-level encryption used by major financial institutions. Your data is protected end-to-end with industry-leading security standards.

🛡️

Powered by Plaid

Your bank credentials go directly to Plaid with 256-bit encryption. We never see or store your login information. Plaid is trusted by Venmo, Robinhood, and thousands of financial apps.

👁️

Read-Only Access

We can only read your financial data to show you insights. We cannot move money, make transfers, or access your funds. Ever.

Not a chat room.
A community that actually helps.

Every tip in your Circle is tied to real spending categories and real savings. You're learning from people who are actually doing it — not just talking about it.

Community Feed 💰 Savings • 📈 Investing
🏆
⭐ Leader Food
Cut my grocery bill by $180/mo switching to weekly meal prep. Costco membership pays for itself in month 1.
💼
New Investing
Automated $200/mo into VTSAX the day my paycheck hits. Never tempted to spend it. 8 months in — $1,600 invested.
🎯
Subscriptions
Audited all my subscriptions. Cancelled 4 I'd forgotten about. $73/mo back — felt like free money.
👥

Matched by goals, not randomness

Your Circle is made up of people with similar financial situations and goals — first-time homebuyers, debt-free chasers, index fund builders. Not a random chat room.

🔒

Anonymous by default

Your real name and financial details stay private. The community sees only your health score grade (A–F) and a badge — enough to learn from, nothing to expose.

📊

Tips tied to real categories

Every tip shows the actual spending category and dollar amount saved — Food ($180/mo), Investing ($200/mo). You see the impact, not just the advice.

🏆

Community Leaders with gold badges

Top contributors earn Leader status. Follow the people you learn from most. The feed personalizes to who you follow.

❤️

Like, reply, and follow

Engage with tips that resonate. Ask questions, share your own wins, build a personalized feed of strategies that actually work for you.

"This isn't a subreddit. Every tip is tied to real spending categories and real savings. You're learning from people who are actually doing it, not just talking about it."

Join 340+ early members
building wealth together.

Early access is open. No credit card required for your 30-day trial.

👤
👤
👤
👤
👤
340+ early members
joined in the last 30 days
🛡️ Secured by Plaid
🔒 256-Bit Encryption
👁️ Read-Only Access
🎉 30-Day Free Trial
Simple Pricing

Less than your Netflix subscription.
Way more value.

One plan. All features. No hidden fees. 55% cheaper than YNAB or Monarch Money.

Monthly
$6 /mo
Billed monthly. Cancel anytime.
  • Financial Intelligence & Goals
  • Goal-Based Circles & Community
  • Curated Perks & Rewards
  • AI Financial Advisor
  • 30-day free trial
Start Free Trial →
Best Value — Save 32%
Annual
$49 /yr
$4.08/mo billed annually. Cancel anytime.
  • Financial Intelligence & Goals
  • Goal-Based Circles & Community
  • Curated Perks & Rewards
  • AI Financial Advisor
  • 30-day free trial
Start Free Trial — Best Value →
vs YNAB: $109/yr
vs Monarch: $99/yr
✓ No hidden fees. Ever.
✓ Cancel anytime.

Stop managing money alone.
Start building wealth together.

WealthCircle is where financial intelligence meets community and real rewards. Your money, your people, your perks.

Get Started Free →