Now in Beta
Your wealth,
understood.
AI-assisted wealth tools with layered, on-device security. Portfolios, projections, research, real estate, banking, and tax — unified under one timeline. All on your device.
AI-assisted wealth tools with layered, on-device security. Portfolios, projections, research, real estate, banking, and tax — unified under one timeline. All on your device.
Wealth tools generally keep your portfolio on a server and ask you to trust their perimeter. AryaWealth has no perimeter to trust — your data, your computation, and your AI provider connections all live on your device. Everything else in the product follows from this.
There is no AryaWealth account on a backend with your holdings in it. Your data lives on your device, encrypted at rest with AES-256-GCM and Keychain-managed keys.
Monte Carlo simulations, multi-jurisdiction tax, time-weighted and money-weighted returns, NZ FIF, LVR, and bright-line — all calculated on your device from your transaction ledger. Nothing round-trips to a server for analysis.
Anthropic Claude, OpenAI GPT, and Apple Foundation Models — connect with your own provider keys, your own billing, your own relationship. An optional stateless edge proxy offers a managed path without inspecting or storing prompts.
Ask questions about your portfolio in plain language. Arya knows your holdings, bank flows, and goals — and pulls live market context as needed. Cross-model validation flags discrepancies with a confidence rating. Briefings highlight what's changed since last time, and insight cards surface relevant news with one-tap pin-to-chat. Every screen also has its own contextual App Help chat — scoped to a curated knowledge base, never your portfolio.
Multi-currency portfolio tracking with holdings breakdowns, time-weighted returns, regional and sector allocation, risk metrics, and overlay analysis with PencilKit markup — all computed locally from your transaction history.
Browse every buy, sell, dividend, split, and transfer alongside your bank transactions. Categorised spending, balance history per account, and cash flow over time. NZ open banking via Akahu OAuth 2.0 — with mortgage payments detected from your transactions automatically.
Monte Carlo simulations model your portfolio across thousands of outcomes. Set retirement, savings, or investment goals; stress-test assumptions; and describe a scenario in natural language. AI translates your scenario description into deterministic projection parameters; the engine does the maths. Re-running the same scenario always returns the same outcome.
Search global equities, compare up to five securities side-by-side with absolute and normalised charts, and track FX pairs that matter to your portfolio. AI-generated summary text describes the indicator values for each selected security across momentum, valuation, fundamentals, and risk — leaving the comparison to you. Summaries export to shareable PDF documents.
Track owned properties and mortgages, watch research targets through inspection and offer stages, and let Arya summarise your mortgage position, repayments, CGT exposure, LVR, and bright-line dates — drawn from your actual data. Mortgage payments are detected from your bank transactions automatically.
Capital gains across 10 jurisdictions with country-specific rules — including the NZ Foreign Investment Fund regime with both FDR and CV methods, AU Medicare Levy, US NIIT, and UK year-versioned allowances. AI tax summaries describe your position across capital gains, dividends, and deductions; the deterministic engine does the calculation. Tax calculations are estimates — verify with a qualified professional.
Compile AI summaries into PDF documents — projections, research comparisons, real estate, and tax — generated entirely on-device. Or share a portfolio package with an advisor or family member: passphrase-encrypted, time-limited, and scope-controlled. Bank accounts are excluded by default.
AES-256-GCM encryption at rest, field-level encryption for cloud sync, Keychain-stored keys, and certificate pinning on every API connection.
Connect Sharesight or SnapTrade for multi-brokerage aggregation. NZ open banking via Akahu OAuth 2.0 with webhook-driven sync. Or import from CSV.
Arya cross-references AI responses across multiple models, showing confidence scores and flagging discrepancies between providers.
PencilKit annotations on charts and views with on-device Vision OCR and AI interpretation. Searchable through the annotation timeline.
A "?" on every screen opens a contextual chat backed by an on-device knowledge base. Ask in plain language; answers stay scoped to the feature you're using.
Track positions in 19 currencies. Live exchange rates with provider selection convert everything to your display currency automatically.
Available on iPad, iPhone, and Mac.