Skip to main content

Full feature overview

Personal finance tools
built for clarity.

Track net worth, plan with budgets, goals, and FIRE tools, get AI-powered answers, and keep your data on your device, without juggling spreadsheets or five different apps.

6

Account types supported

150+

World currencies

100%

On-device data

$0

For essential features

At a glance

Six core capabilities

Tap any card to jump to the full breakdown.

Track

Accounts, net worth, and currencies

TrackIncluded free

Every account. One clear number.

Iron Wealth rolls up checking, savings, investments, credit cards, cash, and crypto into a single net worth figure, updated as you log transactions or adjust balances.

  • Track six account types in one portfolio view
  • See net worth history on a beautiful timeline chart
  • Dual-currency display for global finances
  • Home screen widgets for at-a-glance updates
Explore Net Worth Tracking
Iron Wealth home screen showing net worth total and account breakdown
TrackIncluded free

150+ currencies. Two at a glance.

Whether you earn in one currency and spend in another, or send remittances across borders, Iron Wealth handles it. Live exchange rates keep net worth accurate for African and global households holding GHS, NGN, KES, ZAR, XOF, USD, and more.

  • 150+ world currencies with exchange rates
  • Primary and secondary display currencies
  • Per-account currency settings for home and foreign income
  • Consolidated net worth in the currency you think in
Explore Multi-Currency

Multi-Currency

Live rates, remittances, and dual display.

150+ world currencies with exchange rates
Primary and secondary display currencies
Per-account currency settings for home and foreign income

Plan

Budgets and savings goals

PlanIncluded free

Stay on pace, not just on budget.

Set monthly category limits and watch spending in real time. Iron Wealth shows how you're pacing against each budget so you can adjust before the month ends.

  • Monthly budgets with category-level limits
  • Pace indicators when you're ahead of schedule
  • Visual progress bars for every category
  • Alerts before you overspend
Explore Smart Budgets
Budgets screen with monthly total, pace, and category progress
PlanIncluded free

Turn targets into milestones.

Define savings goals with target amounts and deadlines. Track contributions over time and celebrate when you hit each milestone.

  • Multiple goals with custom target dates
  • Contribution tracking and progress rings
  • Link goals to accounts for automatic progress
  • Celebrate milestones as you reach them
Explore Savings Goals

Savings Goals

Target amounts, deadlines, and progress rings.

Multiple goals with custom target dates
Contribution tracking and progress rings
Link goals to accounts for automatic progress
PlanPro add-on

A target, then a daily number.

Financial independence planning starts with a live net worth, then a FIRE number you can recalculate. Iron Wealth keeps the daily picture free. Pro adds an in-app FIRE calculator, wealth forecasts, and what-if scenarios. Educational software only, not advice.

  • Website FIRE number calculator, no account required
  • In-app FIRE planner, forecasts, and what-ifs on Pro
  • Works in the currency you plan to spend
  • Sits next to budgets, goals, and multi-currency net worth
Explore FIRE Planning

FIRE Planning

FIRE number, forecasts, and what-ifs when you are ready.

Website FIRE number calculator, no account required
In-app FIRE planner, forecasts, and what-ifs on Pro
Works in the currency you plan to spend

Intelligence

AI and insights

IntelligenceIncluded free

Ask your money anything.

A financial assistant grounded in your real data, not generic advice. Get instant answers about spending, affordability, and net worth trends. Educational only, not financial advice; answers can be wrong.

  • Conversational chat powered by your actual numbers
  • Spending breakdowns and category analysis
  • Affordability checks for upcoming purchases
  • Privacy-first: your data stays on device
  • Not financial advice, verify before you act
Explore Finance AI
Finance AI chat answering a spending question with a breakdown

Privacy

On-device security

PrivacyIncluded free

Your data stays yours.

Your financial data lives on your device, not on our servers, and you don’t need bank logins or open-banking connectors to see your full picture. Optional cloud backup is entirely under your control.

  • No bank login required to track net worth
  • No ads; app financial data stays on-device by default
  • Optional Face ID, Touch ID, or Android biometric app lock
  • Password-protected exports and cloud backup you control
Explore On-Device Privacy
Insights screen with cashflow visualization powered by local data

Compare plans

Free vs Pro

Core money management is free (3 accounts). Pro unlocks unlimited accounts and long-range planning for retirement, forecasts, and major decisions.

CapabilityFreePro
Unlimited accounts
Transactions, budgets & goals
Net worth tracking & history
Smart budgets with pace alerts
Savings goals & milestones
150+ currencies & dual display
Finance AI assistant
Cashflow & expense insights
On-device privacy & exports
Wealth forecast & projections
FIRE calculator
What-if scenarios
Wealth trend reports

Also in the app

More tools available today

Additional capabilities beyond the six pillars above.

Reports hub (wealth trend, income sources, forecast)
Crypto (Binance) integration

Resources & guides

Check numbers, then find your fit

Free calculators in your currency, plus guides for every continent, FIRE planners, and multi-currency life.

Iron Wealth Pro

Plan decades ahead

Upgrade when you're ready for wealth forecasts, FIRE planning, and what-if modeling, without leaving the app you already use.

  • Unlimited Accounts
  • Wealth Forecast & Projections
  • FIRE Calculator
  • What-If Scenarios
  • Opportunity Cost Engine
  • Income Source Intelligence
  • Wealth Trend Reports
Compare Pro features

Ready to know your worth?

Free core features on iOS and Android. Pro unlocks advanced planning when you need it.

App Store

Google Play

Scan to get the app