# Personal Finance App for Financial Resilience | WealthAge A personal finance app for financial resilience. Accounts, spending, cash flow and net worth in one place, and a method validated on 24,162 real households. - Take the job - Buy the house - Have the kid - Lose the income The complete personal finance app for financial resilience # Your whole financial life, and how long it would last. Accounts, spending, cash flow and net worth in one place, and an answer to how long your money would last. Get WealthAge → See how it works → Connect a supported institution, upload your own files, or both. ## What is WealthAge? WealthAge is a personal finance app. It brings your accounts, transactions, spending, cash flow and net worth into one place. Every number stays tied to its source and the time it was read. It then tells you how long your money would last if your income stopped. It is a complete money app that also answers the question you lie awake on. The sync broke and said nothing, so you read last month’s balance as if it were today’s. You recategorized the same coffee shop for a year and it never learned. Then one of them shut down, and took your history with it. ### The category does the dashboard well. This part it leaves to you. WealthAge takes that work back, and the screens are where you would see it. Get WealthAge → Home · Money · Score · Plan · You Your money lives in five or six places, and not one of them shows you the whole picture. ## You get the whole money app, not a score with a dashboard bolted on. Five views, one set of numbers. Three are open. You can see all three right here, before you sign up, and the product pages go through them one at a time. Home Your position on one screen: net worth, runway, and what moved since you last looked. Money Where it went and where it is going: accounts, transactions, spending and cash flow. Score How prepared you are, in one number, with the runway and the coverage behind it. Plan and You are in build. Scroll sideways for the other views Get WealthAge → Net worth and cash flow A number you picked six months ago knows nothing about the month you are actually having. ## You see this month against your own usual, not a budget you invented in January. WealthAge compares this month with a typical month of your own, by this day. You see income, spend, net, and where the month ends up if nothing changes. All of which is worth exactly as much as the numbers underneath it. Provenance Your net worth drops overnight and nothing on the screen tells you why. ## A number you cannot check is a claim, so every number here opens. Every figure names its source and the time it was last confirmed. When a connection breaks, the screen says so and tells you how to fix it, instead of leaving you a number that still looks fine. Seeing the month clearly and trusting the figures still leaves the harder question, and the category answers that one with a rule of thumb. Get WealthAge → Rules of thumb You did what the rule said, and you still cannot tell whether you are actually all right. ## The rules you were given were built for an average household. Yours is not one. Three places where the category answers with a rule of thumb, and WealthAge does the arithmetic on your own money instead. Your emergency fund The rule of thumb “Keep three to six months of expenses.” The same range for a tenured civil servant and a commission-only salesperson. It never asks how fast you could replace the income. What WealthAge does We compute the months your reachable money actually covers your committed costs. Your net worth The rule of thumb “Add up what you own, subtract what you owe.” Treats $50,000 in a 401(k) and $50,000 in checking as the same thing. They are not, if you need the money on Friday. What WealthAge does We separate what you could reach this week from what is locked, taxed or illiquid, and we name the source behind each side of it. Your next move The rule of thumb “Save more and invest early.” True, and useless as guidance. It cannot tell you which of the six things you could do this month would actually move anything. What WealthAge does We price a decision against your cash flow and your runway and show you the arithmetic, so you are choosing between measured outcomes instead of maxims. You have seen the arithmetic. The next question is what you would give up by moving. Get WealthAge → Monarch and Copilot If you already pay for one of these, the only question is what you gain and what you give up. ## Monarch Money and Copilot Money do the ordinary work well. Here is where we differ. The first three rows are the ones that make us switchable. Two below are ours to lose, and they stay on the page. What a switcher checks WealthAge Monarch Money Copilot Money Accounts, transactions, spending and cash flow in one place WealthAge: Yes Monarch: Yes Copilot: Yes Transactions with categories you can search, filter and correct WealthAge: Yes Monarch: Yes Copilot: Yes Net worth tracked over time WealthAge: Yes Monarch: Yes Copilot: Yes Native iOS and Android apps WealthAge: Web today Monarch: Yes Copilot: iPhone, iPad, Mac and Web; Android not stated 2026-08-05 Third-party awards, press and reviews WealthAge: None yet Monarch: CNBC, Forbes, WSJ Copilot: Five Apple awards Use your own file instead of connecting a bank WealthAge: csv, ofx, qfx, xlsx, pdf, each row keeping its source line Monarch: Manual accounts, CSV import Copilot: Not stated 2026-08-05 Every figure carries its source and the time it was confirmed WealthAge: Yes, with an as-of stamp on every figure Monarch: Not stated 2026-08-05 Copilot: Not stated 2026-08-05 A published method with its stated limits WealthAge: Yes Monarch: Not stated 2026-08-05 Copilot: Not stated 2026-08-05 An answer to how long your money would last if your income stopped WealthAge: The WealthAge Resilience Score, with the runway behind it Monarch: Not stated 2026-08-05 Copilot: Not stated 2026-08-05 Competitor cells read from monarch.com and copilot.money on 2026-08-05. Not stated means we found no such claim on their site that day, not that their product cannot do it. The last row is the one nothing else on this shelf answers. Get WealthAge → The full comparison, with sources Switching from Monarch Switching from Copilot Resilience What wakes you at three in the morning is not which category you overspent. It is whether you would be all right. ## Most money apps show what happened. WealthAge also shows how prepared you are. Take the job. Buy the house. Have the kid. Know first. If you lost your income tomorrow, you would have about 5.2 months before taking on debt. That is the sentence the app leads with, and this is the reading behind it. 687 **Your WealthAge score** 687 **Runway behind it** 5.2 months **Coverage when computed** 95% of your picture **Accounts confirmed** 9 of 10, today **Holding it down** One employer, one income One household, from its own figures. We never rank you against anybody else. ### On 24,162 households, the rule of thumb picked the right one 64% of the time. The WealthAge model picked it 72%. **Months-of-expenses rule of thumb** 64% **The WealthAge model** 72% U.S. Census Bureau Survey of Income and Program Participation, 24,162 households, 2022 finances against 2023 outcomes. Research about a population, and never a ranking of you. WealthAge is not a financial advisor; the score describes, it does not prescribe. Get WealthAge → Read the method and its limits That is the one thing we can prove ourselves. If you want to see some of it before paying, two of the tools are free and complete. Free tools ## Why isn’t WealthAge free? Because free money apps get paid some other way: ads, lead sales, or the data itself. We would rather you were the customer than the product, which is why nothing here is trying to sell you a credit card. No ads, and we never sell your financial data. Two calculators are free and complete rather than teasers: the savings runway tool and the score estimator . No bank login, no card. A free account at the end saves your result. Money is the first thing people ask about. It is not the last. Questions ## Four questions come up before anyone switches. Here they are, answered. ### Is WealthAge a full personal finance app, or only a score? A full one. Accounts, transactions, categories, spending, cash flow, net worth and full history, the things you would expect from Monarch or Copilot. Your WealthAge score is what we add once that foundation is right. ### How is this different from Monarch or Copilot? On the fundamentals it is not meant to be. We match them deliberately, because you should be able to switch without losing anything. The difference comes after the dashboard: every number opens to its arithmetic, a broken connection is flagged on the screen, and the app answers how long your money would last if your income stopped. ### Do I have to connect my bank? No. Uploads are a first-class path, not a fallback. An uploaded statement and a live connection enter the same system and produce the same product. Connected accounts refresh on their own; uploads refresh when you choose. ### Is this financial advice? No. WealthAge is not a financial advisor. It describes your situation and shows the arithmetic behind every figure. It does not tell you what to do, and it does not recommend products. If none of that is a dealbreaker, here is what you would be paying for. ## Other money apps help you see what happened. WealthAge helps you know what happens next. One limit, stated plainly. WealthAge can only see what you connect or upload. An account you never connect is not in your runway. - Every view that is open, all of your accounts, full history. - Connect a supported institution, upload your own files, or both. - Export any day you want it. Web today, built for your phone’s browser. Get WealthAge → See how it works → Accounts, spending, cash flow and net worth in one place, and an answer to how long your money would last. Get WealthAge → Canonical: https://wealthagescore.com/