Questions,
answered honestly.

Wealthii is a financial wellness app — not a budgeting tool, and not a financial education platform. The closest comparison is Headspace or Calm, but for your relationship with money instead of stress or sleep.

The core of the product is an AI coaching experience built around real coaching mechanics: the coach comes prepared to every session, references what you shared last time, surfaces patterns you can't see yourself, and assigns one small homework experiment at the close. If you've been to therapy or worked with a wellness coach, you'll recognize the structure immediately.

Budgeting apps work on the numbers. Wealthii works on the emotional patterns underneath the numbers — the anxiety, shame, and avoidance that cause people to ignore the numbers in the first place.

Most people already know what they should do with money. Wealthii helps you understand why you're not doing it — and builds the kind of relationship with a coach that makes change possible over time.

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.

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.

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.

Money Personalities are patterns of belief, emotion, and behaviour around money — grouped into 8 types grounded in published financial psychology research, including Klontz (2011) and Reiter et al. (2025). 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 clinically grounded and coaching-relevant. Your 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. Your coach works with the full picture, not just a single label.

It's a complete experience on its own — not a preview. When you start, you'll take the Money Personality assessment and get your full results. From there, you'll choose a specific money goal — saving for something, getting out of debt, understanding investing, improving your credit — and get a personalized learning path built around it. You also get full access to the learning curriculum from day one.

Your coach learns who you are, surfaces your first pattern observation, and assigns small homework experiments along the way. It's genuinely useful on its own. When it ends, if you decide to go Pro, it'll feel like returning to something — not buying something new.

The biggest difference is the coaching relationship becomes unlimited and goes much deeper. Your coach continues building on your history across as many sessions as you want, works through targeted coaching programs covering patterns like avoidance, shame, scarcity, and perfectionism, and assigns homework after every single session.

On the learning side, the difference is your coach actively pulls from the curriculum and assigns specific lessons and exercises as homework based on what's coming up in your sessions — rather than you following a path on your own. The coaching and the learning work together. You also get access to the full practice library: journaling prompts, breathing exercises, and reflection practices.

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 7 days free. You won't be charged until the trial ends — $6.99/month, or $49.99/year (save 40%) if you choose the annual plan. 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 personality data are retained — nothing is lost.