Questions,
answered honestly.

Wealthii is an app for people who feel weird about money and tired of falling short of their goals. Not a budgeting app. Not financial advice. The closest comparison is Headspace or Calm, but for your relationship with money.

You pick the money goal in front of you (building a budget that sticks, building confidence with money, paying off credit card debt) and work through a plan built around it. Step by step, at your pace, with reflection prompts, journaling, daily check-ins, and small experiments. That's the free tier.

With Pro, you add the deeper layer: your Money Personality (which shapes how everything works with you) and an AI coach who runs real coaching sessions on the patterns underneath your money behaviour. If you've been to therapy or worked with a wellness coach, you'll recognise the structure immediately.

Budgeting apps work on the numbers. Wealthii works on what's underneath them. The avoidance, the shame, the reasons you stopped opening the budgeting app in the first place.

Most people already know what they should do with money. Wealthii helps you understand why you're not doing it. Through plans built around real money goals, and (with Pro) the deeper work of understanding your Money Personality and meeting an AI coach who surfaces the patterns underneath.

Wealthii doesn't try to be a budgeting app. It does something different. And pairs well with one if you want both.

Neither. Wealthii uses evidence-based coaching mechanics drawn from CBT and financial psychology. But it's not therapy, and it's not a licensed financial advisor. Think of it as a wellness tool that helps you build a healthier emotional relationship with money, the way a meditation app helps with stress.

If you're dealing with serious financial distress or mental health concerns, please speak with a qualified professional. Wealthii is a complement, not a substitute.

A plan is a series of small steps toward a specific money goal, like building a budget that sticks, building confidence with money, or paying off credit card debt. Each plan is built around the goal itself, paced for your life, and designed step by step so it's actually finishable.

You work through your plan one small step at a time. Some steps teach you something. Some ask you to reflect. Some give you a small experiment to try before tomorrow. The plan ends when the goal is real. Not when you've hit a streak or earned points.

Available now: Build a Budget That Sticks, Build an Emergency Fund, Pay off Credit Card Debt, Stop Financial Anxiety, and Stop Avoiding My Finances. New plans are added regularly. Covering everything from starting to invest and buying your first home to rewriting your money story.

The plan library is growing every week. If there's a money goal you're working toward, there's likely a plan for it. Or one coming soon.

Each plan is built around a specific goal (building a budget that sticks, paying off credit card debt, ending money avoidance) and designed so the steps are small enough to actually do. The plan you pick is the plan that fits the work in front of you.

Pro is where things get personalised further: your Money Personality shapes how the coach works with you, and over time will shape the plans themselves. Direct plan-personality integration is the next step we're building toward.

It depends on the plan and your pace. Some plans are designed for a few weeks; others unfold over a few months. You work through them at the pace of your life. There's no streak to break and no deadline imposed by the app.

If you need to step away, your plan waits for you. When you come back, you pick up where you left off.

Most people notice something small in the first week. Opening the banking app without the same dread, paying attention to a purchase pattern they'd never noticed, getting through a reflection prompt that surfaces something real.

Real change takes longer. Plans typically run a few weeks to a few months, and the patterns underneath money behaviour don't shift overnight. The work happens through small, repeated experiments. Not through a big breakthrough.

This isn't a quick fix. It's also not something that requires years of therapy. If you stick with the plan, real shifts are visible within a few months.

On the free tier, you work on one plan at a time. The focus is part of the point. One goal in front of you, one set of steps, one thing to come back to each day.

With Pro, you can have multiple plans running in parallel. If you're working on building a budget and paying off credit card debt at the same time, Pro lets both live alongside each other.

The AI coach is part of Wealthii Pro. It's not available on the free tier. When you upgrade to Pro, you get the full coaching relationship: prepared sessions, pattern-surfacing, small homework experiments, and guided arcs on the patterns underneath your money behaviour.

The free tier is a complete experience on its own. Pick a goal, work through a plan, with daily check-ins, journaling, and practices to support the work. The coaching relationship is what Pro adds.

ChatGPT starts from zero every conversation. Wealthii's coach remembers your personality, what you've shared across sessions, the homework you were assigned and what happened when you tried it, and the patterns that have emerged over time.

The mechanics are different too. The coach opens prepared, not waiting for you to direct the conversation. It surfaces observations, makes connections across sessions, and closes with a single concrete homework experiment. Exactly the way a human coach would.

A human therapist or coach is the gold standard. They bring lived experience, clinical training, and the kind of presence that's impossible to replicate. If you have access to a good one (and you can afford the $150–$400 a session), that's the better tool.

Most people don't. Therapists have waitlists. Coaches charge $200–$400 an hour. Financial therapists specifically are extremely rare. And money issues often surface at 2am, not during your 50-minute weekly slot.

The Wealthii coach is built on real coaching mechanics (prepared sessions, pattern-surfacing, homework, guided arcs) and is available whenever you need it, for $9.99 a month. It's not a substitute for serious mental health support. It is a substitute for the absence of any support, which is what most people are actually choosing between.

Coaching arcs are multi-session programs that target specific emotional patterns. Avoidance, shame, scarcity mindset, perfectionism, and others. Each one runs across multiple sessions, builds progressively, and is grounded in financial psychology and CBT research.

Think of them as themed chapters in your coaching relationship. Each one focused on a pattern that's been getting in your way.

At the close of every coaching session, the coach assigns one small, concrete experiment to try before next time. The experiments are designed to be achievable. Sometimes absurdly small. That's intentional. The goal isn't to force big changes. It's to give your nervous system new information in tiny, manageable doses.

At the start of the next session, the coach checks in on the homework. What happened? What did you notice? That's where the real insight often comes from.

Yes. On the web, the quiz is free to take and you'll see your full results, no signup needed. It's 18 questions and takes about two minutes.

Inside the app, the Money Personality is part of Wealthii Pro. Free users skip the assessment during onboarding so you can get straight to picking a goal and working through a plan. With Pro, your Money Personality is the lens for how the coach works with you (and, over time, will shape the plan itself).

Money Personalities are patterns of belief, emotion, and behaviour around money. Grouped into 8 types grounded in published financial psychology research. Each personality reflects a distinct way of relating to money that has roots in your history and shapes your financial behaviour today.

Unlike generic personality quizzes, the personalities are designed to be grounded in financial psychology research and behaviourally meaningful. Not entertainment. With Wealthii Pro, your Money Personality is the lens your coach uses from day one.

Yes. Most people have a dominant personality and one or two secondary influences. The assessment surfaces your primary personality along with the broader profile. With Pro, your coach works with the full picture. Not just a single label.

It's a complete experience on its own. Not a preview. You pick a money goal, like building a budget that sticks or building confidence with money, and work through a plan built around it. Step by step, at your pace, with reflection prompts, journaling, daily check-ins, breathing and grounding practices, and small experiments to try.

The free tier is designed to help you make real progress on the goal in front of you, not to dangle a result and push you to upgrade. Many users get exactly what they need from Free and never upgrade. That's the point.

When you're ready to go deeper, with your Money Personality and an AI coach who works with it, Pro is there.

Two things, beyond everything in the free tier. Your Money Personality. The AI coach. Together they turn making progress on a goal into changing the patterns underneath.

The Money Personality assessment surfaces the beliefs and patterns shaping your relationship with money. Inside Pro, it's the lens your coach uses from day one, so the work always fits who you actually are.

The AI coach is where the coaching relationship lives. It comes prepared to every session, references what you've shared, surfaces the patterns you can't see yourself, and closes every session with a small homework experiment to try before next time. It runs guided arcs on the deeper patterns (avoidance, shame, scarcity, perfectionism) and is available whenever you need it. No waitlist. No $200/hour. Over time, the coach and your plan will work together more directly.

Yes. Your sessions, journal entries, and check-ins are encrypted and never sold or shared with third parties. We don't use your coaching content to train AI models. You can delete your data at any time from within the app.

No. Wealthii doesn't connect to your bank account and doesn't access your financial data. The coaching is grounded in your emotional relationship with money. Not your transactions. You control what you share with your coach, and nothing is pulled in automatically.

When you upgrade to Pro, you get 14 days free. You won't be charged until the trial ends. If you cancel before the trial closes, you won't be billed. Subscriptions are managed through your App Store or Google Play account.

You'll retain Pro access until the end of your billing period. After that, you'll move back to the free tier. Your coaching history and Money Personality results are saved (if you come back to Pro later, your coach picks up where you left off). Your plan progress, journal entries, and check-ins stay with you on the free tier. Nothing is lost.