AI-assisted wealth tools with layered, on-device security. Portfolios, projections, research, real estate, banking, and tax — unified under one timeline. Your data stays on your device.
Press play and Arya narrates where you stand — what changed, what in the news touches your holdings, and what's happening around the world — with animated charts and a 3D globe drawn as it speaks. Pick a full story, a quick snapshot, or just the markets around you; choose the period and the length. Every figure comes from the deterministic engines, and nothing is saved. On iPad.
Wealth tools generally keep your portfolio on a server and ask you to trust their perimeter. Mindil Wealth 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 Mindil Wealth account and no backend holding your holdings. Your data lives in a local-only store on your device, protected at rest by iOS Data Protection — and anything that leaves it, from backups to device sync, is sealed with AES-256-GCM first.
Deterministic projections, multi-jurisdiction tax and capital gains, time-weighted and money-weighted returns, pension modelling, and mortgage analytics — all calculated on your device from your transaction ledger. No figure round-trips to a server for calculation.
Arya works out of the box on Apple Private Cloud Compute — no API key needed. Or connect Anthropic Claude or OpenAI GPT with your own key, straight to the provider, or point Arya at a self-hosted model on your own network. No AI request passes through Mindil Wealth.
Ask about your portfolio in plain language — typed or spoken. Arya knows your holdings, bank flows, and goals, and pulls live market context as needed; when Arya answers with Claude or GPT, a second model checks the findings and flags where they disagree. Insights gathers everything Arya and the engines have found in one place, News ranks publishers' headlines and short summaries by your exposure, and briefings recap what's changed whenever you ask. Every screen also has its own App Help chat — scoped to a curated knowledge base, never your portfolio.
A holdings map sized by value and coloured by currency, time-weighted returns and drawdowns, and a full risk panel — Sharpe, Sortino, Calmar, volatility, and value-at-risk. Drill into any position for price history, total return including dividends, and technical analysis. All computed locally from your transaction history.
Connect your bank accounts through Akahu (NZ) or Finverse (HK/SG), or import from CSV, and see balance history, spending by category, cash flow, savings rate, and recurring payments — with transactions categorised on your device. Mortgage payments are matched to your properties automatically, and every trade sits in a searchable ledger alongside.
A deterministic projection engine models your portfolio across percentile bands using a closed-form analysis of historical volatility — no random sampling, so the same scenario always returns the same result. View outcomes in today's dollars, see how long a retirement plan lasts at different income levels, and set retirement, savings, or investment goals. Describe a scenario in plain language and Arya turns it into parameters; the engine does the maths.
Search global equities, compare up to five securities side-by-side on price, percentage change, or market cap, and track the FX pairs and commodities that matter to your portfolio. Arya's research analysis describes valuation, momentum, fundamentals, and risk for each security — prioritised, cross-checked by a second model when you use Claude or GPT, and leaving the conclusion to you. Comparisons save to shareable PDF reports.
Track owned properties with equity, LVR, and yield; follow research targets from watching to offer made; and see everything on a 3D property map. Mortgage payments are detected from your bank transactions automatically, and recorded sales flow into Tax. Arya analyses your loans, properties, and targets — offer positioning, lending limits, yields, and tax context — drawn from your actual data.
Investment tax estimates across 10 jurisdictions with country-specific rules — the NZ Foreign Investment Fund regime, AU franking credits, US NIIT, and UK year-versioned allowances among them. See where your income falls across marginal bands, track estimated tax year by year, and export to PDF or a live-formula spreadsheet. Arya describes your position; the deterministic engine does the calculation. Estimates only — verify with a qualified professional.
Compile AI summaries into PDF documents — projections, research comparisons, real estate, and tax — generated entirely on-device. Share a portfolio package with an advisor or family member: passphrase-encrypted and scope-controlled, with bank accounts excluded by default. Keep your own devices in step with Device Continuity — paired once by QR code, with updates sealed under a key only your devices hold before they reach your iCloud Drive.
No cloud database. Your data lives in a local-only store protected at rest by iOS Data Protection, with AES-256-GCM on backups, shares, and device sync, and credentials held in the Apple Keychain.
Connect Sharesight or SnapTrade for multi-brokerage aggregation. Open banking via Akahu (NZ) and Finverse (HK/SG). Or import from CSV.
When Arya answers with Claude or GPT, a second model checks the findings and shows an agreement rating — Strong Agreement, Partial Agreement, or Review Suggested.
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 a curated knowledge base. Arya's Library adds reference reading on market history, segments, and financial concepts.
Track positions across the major global currencies. Live exchange rates convert everything to your display currency automatically.
Track multi-jurisdiction retirement accounts — defined-contribution and defined-benefit — folded into your net worth and projections. Deterministic balances and guaranteed-income modelling, no AI in the maths.
Pair your devices once by QR code and they stay in step through your own iCloud Drive, end-to-end encrypted. Or hand a portfolio to someone nearby over a direct, QR-paired connection.
Talk to Arya hands-free with on-device speech recognition — raw audio never leaves your device. Ask Mindil Wealth through Siri, or have Siri read your latest briefing.
Available on iPad and Apple silicon.
Mindil Wealth is in private beta. Request an invitation