A detailed overview of everything Mindil Wealth offers. Designed for investors who want clarity, control, and serious security — without the institution.
Historical net worth across all asset classes from 1W to All, projected forward across conservative, median, and optimistic bands, with a breakdown view by asset class. Layer up to two What-If scenarios — presets like a market crash or pay rise, or one you describe in plain language. AI sets the parameters; the maths is deterministic.
Bank accounts entered manually or connected via Akahu (NZ) or Finverse (HK/SG), with balance history reconstructed from your transactions. KiwiSaver, super, and other retirement accounts across jurisdictions — defined-contribution and defined-benefit — computed deterministically and folded into net worth, projections, and tax.
Milestone markers highlight large deposits, market moves, and goals reached. "Explain this Chart" summarises how your wealth has evolved, and "Play today's story" narrates it. Hide values with one tap before sharing your screen, and keep notes or Apple Pencil annotations alongside any chart.
Ask in plain language, or start from suggested questions on performance, diversification, risk, markets, news, and banking. Arya draws on your holdings, banking context, and live news, and checks any figure it shows against the computed facts. Follow-up suggestions are generated on-device, with no portfolio data leaving it.
One place for everything Arya and the engines have found — computed insights, saved chat findings, briefings, and Tax, Real Estate, Projections, and Research analyses. Browse by source, kind, or holding, and ask for more detail on any card.
Publishers' headlines and short summaries, ranked and filtered by region, sector, theme, or holding, each with a line on how it relates to what you own — ask for a story brief, pin it to chat, or save it. The Library adds offline reference reading on market history, segments, and financial concepts.
Generate a change-aware briefing whenever you want one, weighted by Briefing Focus to the topics you care about. Talk to Arya hands-free with on-device speech recognition — raw audio never leaves your device — or ask Mindil Wealth through Siri and have it read your latest briefing or a Library entry.
When Arya answers with Claude or GPT, a second model checks the findings and shows Strong Agreement, Partial Agreement, or Review Suggested. Every response is screened to describe rather than advise — no recommendations, predictions, or plans — and user text is sanitised against prompt injection.
Four sharing levels control what Arya can see: Full, Current Positions, Redacted, or Disabled. Nothing is sent off-device until you agree, and you can withdraw that agreement in Settings at any time.
Six presets — Full Story, World & Markets, Quick Snapshot, Portfolio Pulse, Markets Around Me, and Custom — with a period from the last trading day to year-to-date, and a length from quick to long. Past month and year-to-date need a Claude or GPT key.
Stories move through where you stand, what changed, what touches you, the wider world, what's coming up, and taking stock, with captions throughout. Jump between chapters, pause, mute the voice, read it as text, or tap "Ask Arya" to follow up in chat.
Every number comes from the same deterministic engines as the rest of the app — Arya chooses what to emphasise, not what the figures are. Stories are generated when you press play and never saved.
Every holding as a tile sized by its share of today's value and coloured by currency or asset type, alongside investment value over time and a full holdings list with P&L. Allocation by asset type, sector, currency, and region, with concentration warnings.
Cumulative return and drawdown charts over any period, with time-weighted (TWR) and money-weighted (MWR/IRR) returns, best and worst months, and benchmark comparison.
Sharpe, Sortino, and Calmar ratios, volatility, maximum and current drawdown, 1-day value-at-risk, and concentration — plus cost basis against market value, and gainers and losers since purchase.
Price history, quantity, average cost, realised and unrealised gains, dividends, and total return in both currencies. Technicals include RSI, MACD, ATR, moving averages, Bollinger Bands, Fibonacci retracement, and stochastic, Williams %R, ROC, and CCI oscillators — all computed locally.
Every buy, sell, dividend, split, and transfer, with search, date range, exchange rates, and per-event detail showing original and converted amounts and fees. Positions are always derived from this ledger. Export to CSV or XLSX.
Transactions across accounts, categorised on-device, with saved views and edits that survive every sync. Balance history, spending by category, cash flow, savings rate, and recurring payments — and mortgage repayments matched to your properties, with ambiguous matches queued for confirmation.
Conservative, median, and optimistic bands with your target marked, and a toggle to today's dollars. Set retirement, savings, or investment goals, adjust return, contributions, and horizon, and use calculators for the contribution, required return, or nest egg a goal needs.
See how long a retirement portfolio lasts across downside, conservative, median, and optimistic paths. Plan Longevity by Income shows how the answer changes as monthly income rises, and a 3D surface maps the whole picture at once.
Prioritised findings across timeline, risk, contributions, and target basis, with figures tagged "Calculated by Mindil Wealth" and a cross-model agreement rating. AI never participates in the calculation.
Search across asset classes and regions, and save targets with prices, notes, and status. Compare up to five securities on one chart by price, percentage change, or market cap, toggle key events onto the timeline, and save the comparison to Reports.
Exchange-rate history with a second pair overlaid, normalised or raw, with high, low, and change, and quick-select chips from your portfolio's actual currency exposures. A dedicated Commodities tab puts the markets that move your holdings alongside them.
Prioritised findings across valuation, momentum, risk, and fundamentals for the securities you select, with a cross-model agreement rating. The charts and findings give you the picture; the comparison is yours to draw.
Owned properties with value, growth, equity, LVR, net yield, rent, and expenses; record a sale to feed the gain into Tax. Per-property mortgages with balance, rate, interest paid, and projected balance, repayments matched from your bank automatically, and a calculator for extra repayments and rate changes.
Follow target properties from watching and researching through inspected to offer made, and see them with your owned properties on a full-screen 3D map, listed alongside with value, yield, and status.
Choose the loans, properties, and targets to analyse, and Arya describes offer positioning, lending capacity under RBNZ LVR rules, yield comparisons, and tax context such as bright-line dates. Debt figures are computed, not generated.
Australia, New Zealand, United States, Canada, United Kingdom, the Eurozone (Germany, France, Ireland, Italy, the Netherlands, and Spain), Switzerland, Japan, Singapore, and Hong Kong — including AU franking credits and Medicare Levy, US NIIT, UK year-versioned allowances, NZ PIE exclusion, and JP NISA exclusion.
NZ FIF regime support for offshore shareholdings above the NZ$50,000 cost threshold (subject to specific IRD rules and exemptions), with fair dividend rate (FDR) and comparative value (CV) methods. ASX- and NZX-listed exemptions handled.
Your estimated obligation and effective rate, a marginal rate bands chart showing where your income falls, income and gains in detail, and estimated tax year by year.
Realised gains and losses by financial year with Weighted Average, FIFO, or LIFO cost basis, CGT discount eligibility, and carried-forward losses. Informational warnings for US wash sales, Canadian superficial losses, and UK bed-and-breakfasting.
Export your estimate to PDF or to a spreadsheet with live formulas, and compare jurisdictions side by side for an indicative view. Exports contain engine figures only, never AI text.
Prioritised findings across structure, timing, dividends, and capital gains in plain language — drawn from your transactions and the deterministic engine's calculations.
Filter by source — Arya, Projections, Research, Real Estate, Tax, or Analysis Chart — and time period, then compile selected reports into a single PDF, generated on-device with chart snapshots where relevant.
Pair your devices once by QR code. One primary device publishes updates, sealed with AES-256-GCM under a device-held key before they reach your own iCloud Drive, and your other devices follow — including bank and brokerage connections held on the primary. Chat history stays on the device where it happened.
Send a read-only .wealthpackage encrypted under a passphrase (AES-256-GCM, PBKDF2), or hand a portfolio to someone nearby over TLS 1.3, paired by a single-use QR fingerprint that fails before any data moves on a mismatch. A manifest shows exactly what's included; bank accounts are excluded by default, property and mortgage details travel only if you include properties, and annotations, pensions, chats, and AI analyses never leave.
Pen, highlighter, eraser, lasso, ruler, and colour picker on Net Worth, Performance, Projections, Research, Tax, and more — pressure-sensitive with Apple Pencil. On-device Vision recognises your handwriting, so annotations become searchable notes you can pin to an Arya conversation.
Browse all notes and annotations chronologically across views and search by recognised text. They stay in the local-only store and are excluded from sharing exports.
A "?" on every screen opens a chat scoped to that feature, backed by a curated knowledge base. It shares no context with the portfolio chat and never sees your holdings — enforced by a structural test that fails on any cross-import.
Portfolio, banking, property, pension, chat, and annotation data lives in a local-only store with no cloud mirror, protected at rest by iOS Data Protection — hardware-backed and tied to your device passcode.
Backups, shares, and continuity updates are sealed with AES-256-GCM before they leave. Backups use a PBKDF2-derived key (200,000 iterations) and a content-hash check, under a strong app-generated passphrase saved to your iCloud Keychain for recovery.
API keys, OAuth tokens, and encryption keys are stored in the Apple Keychain with device-only access. Two deliberate exceptions make recovery on a new device possible: the backup passphrase, kept in iCloud Keychain, and the automatic-backup key, included in your device backup.
Face ID, Touch ID, Optic ID, or passcode on launch and return, with the app hidden in the app switcher. The sidebar shows only the active profile, and switching is restricted to Settings to prevent accidental exposure on a shared screen.
Claude and GPT requests go straight from your device to the provider on your own key — no AI request passes through Mindil Wealth. Apple Private Cloud Compute and the on-device model run within Apple's own privacy architecture.
Market data, news, and open banking run through an edge proxy that keeps provider secrets off your device, doesn't log request contents, and holds only what each connection needs, for a fixed time. Apple App Attest proves each request comes from a genuine app — without an account or password.
Portfolio sync with position and transaction import, using your own brokerage credentials. Live bank balances and transactions over OAuth 2.0 with webhook-driven sync, with provider secrets held server-side. Or import from CSV.
Start with Apple Private Cloud Compute — no key required. Add your own Claude or GPT key for direct access and cross-model validation, or point Arya at a self-hosted model on your own network. Apple's on-device model handles follow-ups and reference answers.
Prices, fundamentals, splits, dividends, FX, and commodities requested by market identity — the upstream provider is resolved server-side and never contacted by the app, and Data Sources shows which provider served each market. A deduplicated pool of headlines, short summaries, and sources, with matching to your holdings done on your device.
iPad and Apple silicon, built with SwiftUI — iPadOS 27 or later. Arya Stories is available on iPad (not on the Mac).
SwiftData, local-only — no CloudKit mirror. The major global trading currencies are supported. Transaction-sourced position truth model — positions are always derivable from their ledger.
Three-layer local-first architecture — Features, Integrations, and Core — with individually togglable features, so you enable only what you need. See the diagrams →