Your finances don’t need fixing. They need mutation.
Wealth Mutant is a personal finance app you buy once. See where your money goes, clear the expensive debt, and watch your savings grow — through nine clear levels, without ever connecting your bank.
Hey Alex — July 2026
Net Worth
$21,500
▲ +$2,140 this monthIn
+$6,200
Out
−$4,150
Recent
Real screens. Not a mockup.
Every picture below is the app as it ships today, running on real entries. On a laptop it opens out into a command centre; on a phone it stays one thumb wide.
Net worth, your rate per hour, your next step.
What an hour of your life earns, and costs.
Where today’s habits land in 10, 20, 30 years.
The nine levels, and the one thing that moves you.
The wide layout arrives on its own at 1,100 pixels. Nothing extra to buy, nothing to switch on.
You don’t have a money problem. You have a visibility problem.
Small leaks, every month.
A subscription here, a card balance there. It adds up while nobody is looking.
Debt hides behind the minimum.
Paying the minimum feels fine. Three months later it has cost more than the thing you bought.
You’ve probably never seen your real hourly number.
Your salary is a yearly figure. This one is what an hour of your life earns, and what the same hour spends.
What does an hour of your life buy?
What you earn and what you spend, spread across every hour of the month, sleep included. A $6 coffee turns into most of an hour of your life. The app does the math from your own entries, in your own currency.
Joe Dominguez and Vicki Robin’s book Your Money or Your Life taught people to price a purchase in hours of their life. Ours is a different clock: we divide by every hour on the calendar, not only the hours you work, so the same coffee reads higher here. We are not affiliated with the authors.
Drag the sliders. Try your own numbers.
Money per hour · from what you enter
You earn
$6.16/hr
You spend
$5.62/hr
You keep
+$0.54/hr
What things cost, in hours of your life
- A $6 coffee58 minutes
- A $15-a-month subscription, over a year29.2 hours
- A $1,200 phone8.1 days
- A $28,000 car6.2 months
You keep $0.54 of every hour. Future Self turns that into what you’ll have in 10, 20 and 30 years.
In the app this uses your last twelve months, once you have three months of entries.
or try it free for 7 days · no card neededBuying after a trial is final; buying without one has a 7-day refund.
Meet your future self.
The app takes the months you’ve entered and shows where you’ll be in 10, 20 and 30 years. Change one habit and watch the number move.
Future self · Alex’s example
Tap 20y or 30y
Growing
— the Ascendant
Today
Prosperous
— the Sovereign
In 10 years
What Alex would have
$132,300
Alex saves $400 a month and it grows 10% a year. An example, not a forecast. In the app you set the rate yourself; it starts at 7%.
Years to independence · yours
until you no longer need a salary, if you save 20% of what you earn. Drag it.
Standard maths: 5% real returns, 4% withdrawal. Levels 6 and 7 exist to move this number.
Nine levels.
You climb by doing.
You never pick a level. The app reads the months you’ve entered, tells you which one you’re on, and names the one thing that moves you to the next. Nothing here is scored against other people. Scroll, and watch what you become.
Surviving
The Mortal
Living paycheck to paycheck. No safety net. This is where the path begins.
Scroll — your avatar evolves with you ↓
Surviving
The Mortal
Living paycheck to paycheck. No safety net. This is where the path begins.
Surviving· The Mortal
Living paycheck to paycheck. No safety net. This is where the path begins.
Defense
Levels 1–5 · Levels 2, 3 and 4 open together“Am I protected?”Know Your Numbers
“See where your money actually goes.”
Done when you have saved 5 transactions. Typed in as you go or brought over from your old app — both count. No deadline, no streak. Pure reconnaissance, no budgeting.
The three layers
The Step
Save 5 transactions. Typed in or imported, both count.
The Shift
“You can’t optimize what you can’t see. This isn’t budgeting — it’s reconnaissance.”
The System
A transaction counter and zero judgment — no budgets, no alerts, no comparisons during L1.
Starter Shield
“A small cushion, so one bad week isn’t a crisis.”
Done when 1 month of your average spending sits in the accounts you’ve marked as your emergency fund. Cash, checking, wallet and savings start out marked, and you can add or remove any of them. Your number, sized from your own data rather than a figure borrowed from a stranger.
The three layers
The Step
Save 1 month of your average spending in your emergency-fund accounts.
The Shift
“One month of runway means decisions from stability, not panic.”
The System
Your target sizes itself from your own spending once 3 months are tracked; windfalls prompt a “Shield first?” redirect.
Free Money First
“Collect the free money at work: matched contributions, bonuses, benefits you never claimed.”
Done when you hold or fund a retirement or investment account. A contribution in the last 3 months counts, a recurring contribution rule at least 14 days old counts, and so does a balance you already hold. 401k, RRSP, Super, EPF, CPF — the vehicle varies, the principle doesn’t.
The three layers
The Step
Open or fund a retirement or investment account. If your employer offers a match, capture all of it.
The Shift
“An employer match is a 50–100% instant return. Nothing consistently beats that.”
The System
Detects contributions and existing holdings from your own accounts; speaks 401k, RRSP, Super, EPF, CPF.
Debt Purge
Holds when nothing is owing“Clear the expensive debt. Treat it as the emergency it is.”
Done when no loan is owing, no card has carried interest on any of its last three statements, and no overdraft is drawn. A home loan is the one exception. No interest rate is read: the type of the debt decides. Snowball or avalanche, your choice, side by side.
The three layers
The Step
Clear every loan that is not a home loan, keep every card off interest, and bring any overdraft back to zero.
The Shift
“A home loan is leverage against an asset. Every other debt is the emergency.”
The System
Snowball vs avalanche side-by-side, plus a running interest-saved counter.
Full Fortress
“Months of expenses saved. You can breathe.”
Done when 6 months of your average spending sits in your emergency-fund accounts. Six months gives you room to breathe through job loss, a medical event, or a bad market year.
The three layers
The Step
Build 6 months of your average spending in your emergency-fund accounts.
The Shift
“This isn’t idle money — it’s the price of sleeping well.”
The System
A fortress meter fills on your dashboard as you save.
Offense
Levels 6–7 · In order“Am I growing?”Accelerate
“Raise your savings rate. Of every number in the app, this one moves your date the most.”
Done when your net worth grows by 15% of a year’s income over the trailing 12 months, or when your net worth reaches 10 times your average yearly spending. Everything counts: what you save, what your investments earn, what you pay down.
The three layers
The Step
Grow your net worth by 15% of a year’s income over 12 months, or hold 10 years of spending as net worth.
The Shift
“Your savings rate, not your income, decides when you’re free.”
The System
Wealth velocity becomes your hero metric, measured across a full year of your ledger; a top-10% discretionary buy triggers the 2x Rule nudge.
Compound
“Your money starts earning money. Time does the work.”
Done when your net-worth growth reaches 25% of a year’s income, on the same trailing-12-month measure, or when your net worth reaches 15 times your average yearly spending. The app tells you the day your investments can finish the job without you — the CoastFIRE crossover.
The three layers
The Step
Push your wealth velocity to 25% of a year’s income, or hold 15 years of spending as net worth.
The Shift
“The enemy at this level is impatience, not discipline.”
The System
CoastFIRE crossover detection, plus Future Self projections at 10, 20 and 30 years.
Purpose
Levels 8–9 · Alongside Offense“Am I living?”Fund the Future
“Save for the people and moments that matter.”
Done when a long-term goal holds 3 months of your average spending and its target date is 10 or more years out. The money has to be in the account behind the goal; a typed-in number doesn’t count. Education, property, generosity, experiences.
The three layers
The Step
Fund a goal dated 10 or more years out until its account holds 3 months of your spending.
The Shift
“A $5,000 trip creates compounding memories. Only one kind of return has an expiry date.”
The System
Long-term goals with a 10-year-plus horizon + quarterly Time Buckets prompts.
Financial Independence
The summit“Work because you want to, not because you have to.”
Done when passive income covers your expenses on a 12-month average while your net worth holds 10 years of spending, or when your net worth alone reaches 25× your annual expenses (the 4% rule). Work becomes optional. Live, give, and reign.
The three layers
The Step
Cover your expenses with passive income and 10 years of spending in net worth, or reach 25× annual expenses.
The Shift
“The goalpost stops here. You’ve won.”
The System
The FI tracker, the giving tracker, and the app’s biggest celebration.
The date you reach a level is permanent. Life happens: a hard year puts the levels above on hold, and they come back the day the number underneath recovers. Nothing you built is lost.
or try it free for 7 days · no card neededBuying after a trial is final; buying without one has a 7-day refund.
Level 1 completes itself with normal use. Five transactions. That’s it.
The four things people worry about.
“Will I actually keep it up?”
Adding a purchase takes about ten seconds. Bookmarks for the things you buy every week, a calculator in the amount box, one tap to save.
“What about my loans?”
Enter a loan or an overdraft once. The app adds the interest itself and shows your payoff date moving forward every time you pay a little extra.
“Can I bring my history?”
Yes. Export from YNAB, Monarch, Copilot or a spreadsheet, fill in our import file, and your accounts, categories and history come across. If a row can’t be placed, the Checkup names it before anything is saved.
“Is my data safe, and what if you shut down?”
There is no bank login to steal, because we never ask for one. Your accounts, transactions and balances export to a spreadsheet file from inside the app, any day, without asking us.
Budgets, an AI that reads your ledger, a bigger view on desktop, and more: take the product tour →
No bank sync.
That’s the point.
THE HABIT
Typing it in is the habit.
When you enter that $14 impulse buy yourself, you feel it. Bank feeds make spending invisible. Typing it makes it a decision, and it costs you about a minute a day.
THE PRICE
No login, no monthly fee.
We never hold your bank password, so there is nothing to leak. And there is no data feed to keep paying for. That’s why a one-time price works.
Five years with the others, or once with us.
Their prices, their renewals, and ours.
Versus the cheapest competitor over 5 years, you keep
$376
Real money you could put into Level 6.
Their list prices, checked September 2026, in US dollars. All three connect to your bank and we don’t. That is the trade, and it is why ours can be one payment.
One price. Yours for life.
No subscription. No tiers. Pay once, and every update to the core app is included for as long as the app exists.
Wealth Mutant · lifetime
$99once
One-time payment
Prices in US dollars. In India you pay ₹8,999 for the same licence. That is the whole amount; nothing is added at checkout.
Not sure yet? Try it free for 7 days · no card needed. Buying after a trial is final; buying without one has a 7-day refund.
Already have an account? Log in
Buying for a team? Corporate licences are available — talk to us.
Questions answered.
Everything you need to make a confident decision.
Still deciding? Email us — a human replies within 24 hours. No chatbots, no ticket queues.
It starts with
one entry.
Pay once, keep it for life. Level 1 begins the moment you write down your first purchase.
or try it free for 7 days · no card neededBuying after a trial is final; buying without one has a 7-day refund.