Wealth Mutant

Wealth Mutant is a personal finance app you buy once. It brings your whole financial picture into one place: your budgets, every card and loan, your net worth, and where your money is heading 10, 20 and 30 years out.

At its center is a 9-level path, from knowing your numbers to not needing to work. It works out which level you are on from your own numbers and shows what the next one asks of you, whether that is clearing expensive debt or growing your savings.

Cards and loans are modelled the way they really work: each card's statement date and payment due, each loan's payments and what paying extra would save you. Bills and income that repeat are entered once and post on their own dates. You can also see what you earn and spend for every hour of your day.

You record your spending yourself, in a few seconds, on your phone or computer. It is a small daily habit in the spirit of Kakeibo, the Japanese practice of writing down every purchase: the moment of noting it is what makes you notice where your money goes. It also means no bank passwords are shared and no aggregator sits between you and your bank. If you fall behind, upload your bank's statement as a CSV and it fills in only what you missed. Moving in from another app takes one import, and you can export everything at any time.

It runs in the browser and installs to the home screen on any phone or computer. It costs $99 once, with no subscription, and core updates are included for as long as the app exists. The 7-day trial needs no card, and the first 250 buyers get a Founder license with every future add-on free.