WealthYogi

WealthYogi is a privacy focused mobile app for tracking net worth, measuring financial health, and planning for financial independence. It is built for people who want more guidance than a spreadsheet provides but don't want to hand bank credentials to another service. Users enter and update their financial accounts, then review their combined position through a dashboard and a health score. The app works on iOS and Android, supports global assets in more than 23 currencies, and covers 18 account types. Its central idea is that a large net worth doesn't automatically mean a household is financially healthy, so it evaluates the structure behind the total rather than treating one headline number as the whole answer.

The financial health report turns account information into a score out of 100 across more than ten indicators. Published examples include liquidity, debt to asset ratio, cash runway, saving rate, expense ratio, emergency fund, debt to income, and progress toward financial independence. Categories and individual metrics receive plain language levels from Critical through Excellent. A Focus list draws attention to the few areas worth working on first, and each metric can explain strengths, weaknesses, and next steps for the current level. Score history records changes over time, while the Insights view repeats the same priorities. This creates a repeatable check in process for seeing what improved, what slipped, and what deserves attention next.

WealthYogi also includes planning tools that turn the assessment into longer range decisions. Its FIRE projections use Monte Carlo probability and named scenarios, allowing users to compare possible paths toward financial independence rather than relying on one fixed forecast. A debt payoff planner compares avalanche and snowball approaches and provides a complete payment schedule. Custom savings goals include month by month projections for targets outside retirement. Portfolio tools support a target allocation and drift alerts, so a user can see when current holdings move away from the intended mix. These capabilities extend the product beyond passive net worth tracking and give people concrete places to test goals and adjust a plan.

Privacy is a defining part of the design. The official listing says the app requires no account, displays no ads, collects no data, and doesn't ask for bank credentials. Apple's privacy disclosure likewise reports that the developer doesn't collect data from the app. This means balances need to be maintained by the user rather than arriving through automatic bank aggregation, a worthwhile tradeoff for people who prefer local control. Multi currency support and live foreign exchange rates help when accounts or assets span countries. Historical account tracking and export support provide a record beyond the latest balance, while optional biometric access helps protect the app on a shared or frequently handled device.

The best fit is someone who reviews finances periodically and wants one private place to connect net worth, debt, savings, portfolio allocation, and financial independence. A monthly check in can update balances, refresh the health score, and show whether recent actions changed any metric's level. The model is less suited to someone who expects every transaction to stream automatically from a bank or wants daily budgeting based on synced card purchases. It is also a younger app with limited public ratings, so its community evidence is still developing. Even so, the combination of a structured audit and practical planning tools gives it a clearer purpose than a simple asset and liability calculator.

WealthYogi is free to download with in app purchases. The iOS listing publishes monthly and yearly subscriptions, so it belongs in the freemium category rather than being entirely free. People can evaluate the core experience before deciding whether the premium reports and planning depth justify an upgrade. Its appeal rests on an uncommon balance. It offers metrics, projections, debt schedules, savings goals, and allocation guidance while keeping bank credentials out of the product and reporting no data collection. Users need to accept manual upkeep and verify that its assumptions suit their circumstances. The named FIRE scenarios and alternative payoff methods are most useful as comparisons that help clarify choices, not promises of a particular result. It is a planning aid rather than financial advice, but it can provide a useful framework for asking where a household stands and what to improve next.