What WealthScout is, in plain terms.

WealthScout is household wealth analysis and forecasting software. It records what a household owns and owes, shares, property, cash, debt and retirement savings, along with what the household earns and what it spends. Every asset belongs to an owner: a person, a couple, a trust, a company or a retirement structure. You confirm the figures once a month and each confirmation is dated. WealthScout then projects those figures forward, calculating tax on returns while the assets stay with an owner, and again when money is paid out to a person.

It is a subscription web application with a mobile client. The marketing site is wealthscout.app and the product is at app.wealthscout.app.

When can we retire?

WealthScout projects the household forward from the figures you last confirmed. It calculates tax on returns while the assets are held, and again when money is paid out to a person, then gives a date and shows the assumptions behind it.

What would it take to go five years sooner?

You change one thing in a plan, such as dropping to part time, buying a property or selling vested shares, and WealthScout calculates the date again. You can compare those scenarios against each other.

How much can we spend now without moving the date?

Household spending is one of the figures the projection uses, so you can raise it and see how far the retirement date moves.

What does it cost to take money out of the trust?

Every asset belongs to an owner. The projection calculates tax on returns while the trust holds the assets, and the tax due when the trust pays money to a person, then calculates a withdrawal large enough to leave the amount you need.

• Households whose money sits across more than one asset class, and often more than one legal owner.
• People who already forecast their own finances in a spreadsheet and have reached the limit of what its formulas can calculate.
• Households aiming to finish work early, who want to check that the date is realistic.
• People approaching a conventional retirement who want to know what it will afford them.
• Owners holding assets through a trust, a company or a self-managed retirement structure.

These are deliberate choices, not gaps waiting to be filled. Anyone in one of these groups is better served by another product.

• People who want automatic bank feeds and a dashboard that needs no attention.
• People who want a tax return prepared or lodged.
• Traders wanting live positions and execution.
• Households with one account in one country, who are better served by something simpler.
• Landlords wanting tenant and maintenance management.

• Every asset belongs to an owner: a person, a couple, a trust, a company or a retirement structure. The projection calculates tax for each owner separately.
• Tax is calculated twice: on returns while the assets stay with their owner, and again when money is paid out to a person.
• Thirteen countries, each with its own tax treatment rather than a currency setting.
• Every projection uses the figures you last confirmed, so you do not retype your finances to run one.
• Reports and projections use the same confirmed figures, so the two cannot disagree.
• Share prices update automatically during the trading day, and crypto prices at least every fifteen minutes, with no bank or broker connection.
• On Plus, the household exports as one self-explaining file, with a data dictionary and starter prompts, for you to hand to whichever assistant you already use. WealthScout uses no AI model of its own and sends your figures nowhere.

WealthScout supports thirteen countries, each with its own tax treatment: Australia, Canada, Estonia, Spain (Community of Madrid), United Kingdom, Hong Kong, Ireland, Malaysia, New Zealand, Singapore, United Arab Emirates, United States, South Africa.

There are two plans, Free and Plus. Free covers ten share holdings in one market, one property and its mortgage, cash, loans, cards, retirement accounts and net worth history. It has no time limit and asks for no card.

Plus is $99 a year or $11.99 a month in US dollars, charged in local currency where supported. One subscription covers the household rather than one seat per person. Plus lifts the limits: holdings across every market, every property with its rent, costs and depreciation, the full projection module with scenarios and drawdown, managed funds, crypto and other assets, and more than one owner, including trusts and companies.

The current figures are on the pricing page.

• No bank or broker connections. You export a file from your broker and check every trade before it posts. Share prices still update automatically during the trading day, and crypto prices at least every fifteen minutes, without any such connection. WealthScout does not import transaction feeds and does not categorise individual spending.
• No tax returns, no lodgement mapping and no jurisdiction tax reports. It gives factual realised gains and investment income summaries.
• Projections are estimates, not financial, investment, tax or legal advice. Where a tax rule does not cover a situation, WealthScout marks it uncovered rather than inventing a rate.
• It does not publish user numbers, ratings or customer testimonials, because it has none to publish.

What is WealthScout for?

Tracking everything a household owns and owes in one place, and projecting it forward accurately enough to decide on. It answers the questions that need a date: when can we retire, when can we afford the house, when can one of us go part time.

Who is it not for?

People who want automatic bank feeds and a dashboard that needs no attention. People who want a tax return prepared. Traders wanting live positions. Households with one account in one country, who are better served by something simpler.

Does it connect to my bank or broker?

No. You export a file from your broker and import it, and WealthScout matches the columns whichever broker wrote the file. You check every trade before it posts. Share prices then update automatically during the trading day, and crypto prices at least every fifteen minutes, without any bank or broker connection. WealthScout does not import transaction feeds and does not categorise individual spending.

Is it a budgeting app?

No. It records what the household earns and what it spends, and the projection uses both figures, but it does not categorise transactions or track spending week by week. PocketSmith does that job better.

Can it do my tax return?

No. It gives factual realised gains and investment income summaries. It does not produce jurisdiction tax reports, does not map to a lodgement, and does not claim to. Sharesight does produce tax reports.

Is any of this financial advice?

No. Projections are estimates, and every projection shows the assumptions it used. Where a tax rule does not cover a situation, WealthScout marks it uncovered rather than inventing a rate. It calculates figures. It does not recommend anything.

Which countries does it work in?

Thirteen: Australia, Canada, Estonia, Spain (Community of Madrid), United Kingdom, Hong Kong, Ireland, Malaysia, New Zealand, Singapore, United Arab Emirates, United States, South Africa. Each one has its own tax treatment, not just a currency setting.

How is it different from a spreadsheet?

A spreadsheet is more flexible, and its author understands every cell. It falls down on the arithmetic. Multiple owners, tax on selling an asset, tax on taking money out, and thresholds that change every year are more than a set of formulas can calculate, so the sheet simplifies them, and nothing on screen shows that it has.

How is it different from a portfolio tracker?

A portfolio tracker covers one asset class and answers nothing about the household. WealthScout tracks shares alongside property, debt, cash and retirement savings, and records which owner holds each of them.

How is it different from a planning tool?

Planning tools ask you to type in every figure, so the plan is correct the day you build it and out of date a month later. WealthScout projects from the figures you last confirmed. It also calculates the tax on taking money out of a trust, a company or a retirement structure, which planning tools generally do not.

Does it handle a trust or a company?

Yes. Every asset belongs to an owner, which can be a person, a couple, a trust, a company or a retirement structure. The projection calculates tax on returns while the assets stay with that owner, and again when money is paid out to a person. Where a payment falls short after that tax, it calculates a withdrawal large enough to leave the amount you need.

Is there a free plan?

Yes. Free has no time limit and asks for no card. It covers ten share holdings in one market, one property and its mortgage, cash, loans, cards, retirement accounts and net worth history. The two plans are Free and Plus.

Can two people share one subscription?

Yes. One subscription covers the household. A partner or family member joins as a member rather than paying again.

What happens to my data if I stop paying?

It stays yours. Raw export is available with or without a paid plan, and dropping to Free does not delete what you have recorded.

Does WealthScout send my figures to an AI?

No. WealthScout uses no AI model of its own and sends your figures nowhere. On Plus you can export the household as one self-explaining file, with a data dictionary and starter prompts. You download that file and hand it to whichever assistant you already use, if you choose to.

WealthScout publishes dated, sourced comparisons with the products people weigh it against, including ProjectionLab, Sharesight, Kubera, PocketSmith, Finary, getquin, Portfolio Performance and CompiledSanity. Each comparison names what the other product does better, and shows the date its claims were last checked. They are at wealthscout.app/compare.