The Wealth Operating System
Finance
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
The Wealth Operating System
The Wealth Operating System is a comprehensive personal finance app that helps users build sustainable wealth through intelligent money management and financial education.
Four-Bucket System
Bill Vault (50%) - Funds reserved for recurring bills and obligations
Life Wallet (30%) - Discretionary spending for everyday expenses
Build Fund (10%) - Emergency reserves with structured savings milestones
Invest Engine (10%) - Long-term wealth accumulation through systematic investing
Key Features
Financial Clarity - Real-time daily budget guidance, bill vault monitoring, and category-based expense tracking with visual progress indicators.
Engagement Tools - Weekly financial health check-ins, streak tracking with milestone celebrations, and home screen widgets for quick account overview.
Personalized Intelligence - AI-driven insights and recommendations tailored to individual spending patterns and financial goals.
Financial Education - Money Systems Library with 10 educational modules, progressive investing curriculum from fundamentals to advanced strategy, and bite-sized lessons for practical application.
Subscription
Free - Core bucket management, basic budgeting, foundational investing education, and three money systems modules.
Pro ($9.99/mo or $79.99/yr) - Complete Money Systems Library, advanced investing curriculum, AI insights, and premium analytics.
Audience
Young professionals, emerging investors, and individuals seeking structured financial organization with accessible education to optimize wealth-building habits.
Terms of Use: https://joshuarmarsh.com/wealthos-terms.html
Privacy Policy: https://joshuarmarsh.com/wealthos-privacy.html
Ratings & Reviews
The developer, Joshua Marsh, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Joshua Marsh
- Size
- 54.6 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPad
Requires iPadOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Yearly Money $79.99
- Monthly Money $9.99
- Copyright
- © 2026 Joshua R. Marsh