Built for people who take their privacy seriously.

WealthTrack is a complete personal finance management tool — assets, liabilities, income, expenses, goals, budgets, and more — designed from the ground up to keep your financial data entirely within your control. No servers. No data collection. No compromise.

What is WealthTrack?

WealthTrack is a browser-based personal finance tracker that runs entirely on your device. There is no backend server processing your data, no cloud storage receiving your records, and no analytics pipeline observing your behaviour. Every calculation, chart, and insight is generated locally — inside your browser tab.

It is designed for individuals who want a comprehensive picture of their financial health without sacrificing their privacy to get it. Whether you are tracking investments, managing loan repayments, planning for retirement, or simply keeping tabs on monthly expenses — WealthTrack gives you the full toolkit.

What's included

• Asset Tracking — 19+ asset types including stocks, mutual funds, fixed deposits, gold, real estate, NPS, EPF, SGBs, REITs, and more.
• Liability Manager — Home loans, car loans, personal loans, credit cards with EMI tracking and amortisation.
• Income & Expense Tracking — Multiple sources, frequencies, and categories with monthly trend analysis.
• Financial Goals — Set targets, track progress, and visualise your path to each milestone.
• Budget Planner — Category budgets with live spend tracking and overspend alerts.
• Bills Calendar — Monthly visual calendar of upcoming bills with paid/unpaid status.
• Asset Allocation & Rebalancing — Portfolio breakdown by asset class with personalised rebalancing suggestions.
• Smart Insights — Savings rate, emergency fund coverage, debt health, diversification analysis, and net worth projections.
• Calculators — SIP growth, EMI breakdown, FIRE number, goal-based SIP, and lump sum calculators.
• AI Stock Analysis — Optional AI-powered analysis using your own API key (Claude, OpenAI, or Gemini). Your key, your call.
• CSV Import / Export — Full data portability. Import from spreadsheets, export at any time.

Security architecture

WealthTrack uses AES-256-GCM encryption for all stored data, with keys derived from your password using PBKDF2 (100,000 iterations, SHA-256). Your password is never stored anywhere. Every account requires TOTP two-factor authentication (RFC 6238), compatible with Google Authenticator, Authy, and all standard TOTP apps.

Sensitive feedback is additionally protected with RSA-2048 hybrid encryption — meaning even platform administrators cannot access it. There is no master key, no key escrow, and no backdoor.

Multi-currency support

WealthTrack supports 12 major currencies including INR, USD, EUR, GBP, AED, SGD, JPY, CAD, AUD, CHF, HKD, and NZD — with per-user currency preferences stored securely in your encrypted vault.

Who is it for?

WealthTrack is built for individuals and households who want a serious, comprehensive tool for managing their complete financial picture — without the trade-offs that come with cloud-based finance apps. It is particularly well-suited for users who are privacy-conscious, technically aware, or simply prefer keeping sensitive financial data off external servers.

Simple, transparent pricing.

Start free — no credit card required. Upgrade only when you need the full toolkit. All plans include AES-256-GCM encryption and zero data collection.

Frequently Asked Questions

Account & Access Support

This form is for account and access issues only — sign-in problems, billing disputes, subscription errors, and authentication issues. We respond within 24 hours.

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We don't collect your data. Full stop.

This privacy policy explains how WealthTrack handles your data. The short version: your financial data never leaves your device. It is encrypted with a key only you hold and is technically inaccessible to us or anyone else. Last updated: March 2026.

1. Data We Collect

WealthTrack does not collect, transmit, or store any of the following on external servers:

• Your financial data (assets, liabilities, income, expenses, goals, bills, budgets)
• Your name, email address, or any personal identifiers
• Your browsing behaviour or usage patterns within the application
• Your device information, IP address, or location
• Your API keys used for AI analysis features

All data you enter is stored locally in your browser's IndexedDB, encrypted under a key derived from your password. It exists only on the device where you use the application.

2. Encryption & Security

All data stored by WealthTrack is encrypted using AES-256-GCM. Your encryption key is derived from your password using PBKDF2 with 100,000 iterations and SHA-256. Your password is never stored in any form — not hashed, not encrypted, not transmitted.

• Password: Never stored. Used once to derive your encryption key, then discarded from memory.
• Encryption key: Exists only in memory during your active session. Never written to disk or transmitted.
• Stored data: AES-256-GCM encrypted ciphertext. Without your password, it is computationally infeasible to decrypt.
• Two-factor authentication: TOTP (RFC 6238) secret is stored encrypted in your vault. Required at every login.
• Feedback (if submitted): Encrypted with RSA-2048 hybrid encryption. Administrators can decrypt submitted feedback using their private key, but cannot access your financial records.

3. What Administrators Can See

Platform administrators have access to:

• Your account record (email address, account creation date, role, 2FA enabled status, email verification status)
• Your encrypted vault blob — an opaque block of AES-256-GCM ciphertext that is mathematically unreadable without your password
• Submitted feedback (if you choose to submit any), decryptable with the administrator's RSA private key

Administrators cannot see your financial data, your password, your encryption key, or any decrypted contents of your vault under any circumstances.

4. Third-Party Services

WealthTrack may optionally connect to the following third-party services, all of which require your explicit action to activate:

• AI Analysis (Claude / OpenAI / Gemini): If you enter an API key and use the AI stock analysis feature, the ticker symbol you query is sent to the respective AI provider's API. No financial data from your vault is transmitted. Your API key is stored encrypted in your local vault and is never sent to WealthTrack's servers (which do not exist).
• EmailJS (optional): If configured by the platform administrator, a 6-digit OTP code may be sent to your email address for registration verification. No financial data is involved. EmailJS operates independently under its own privacy terms.
• Google Fonts: The application may load display fonts from Google Fonts CDN. This involves a standard CDN request and is subject to Google's privacy policy.

5. Data Portability & Deletion

You have complete control over your data at all times:

• Export: Use Import/Export to download your data as CSV files or a full JSON backup at any time.
• Delete: Use Settings → Reset Data to permanently wipe all data from your browser's local storage. This action is irreversible.
• Account deletion: Clearing your browser's site data or using the reset function removes all traces of WealthTrack data from your device.

Because no data is stored on external servers, there is nothing to request from us. Your data deletion is entirely within your own control.

6. Cookies & Tracking

WealthTrack does not use cookies, tracking pixels, analytics scripts, advertising networks, or any form of behavioural tracking. Your encrypted vault data is stored on the server and never on this device in any readable form. The application uses localStorage only to cache your vault key derivation salt as a convenience fallback — this salt is not secret (it is a public cryptographic input) and contains no financial data. Your vault passphrase and all financial data remain zero-knowledge: the server never holds anything that can decrypt your vault.

7. Changes to This Policy

The core privacy guarantee — that your financial data stays on your device and is encrypted with a key only you hold — is architectural and cannot be changed through policy updates alone. Any significant change to the application's data handling would require a new version of the application itself, which you would receive by updating the HTML file.

We will update the "last updated" date on this policy when substantive changes are made.

8. Contact

If you have questions about this privacy policy or WealthTrack's security architecture, you can reach the platform administrator via the in-app support feature (Settings → Support).