Features Now with Welcy voice

Every line of your money —
tracked by tap or by voice.

Six pillars covering assets, liabilities, insurance, deposits, alerts and goals. Log anything in seconds — tap the form, or tap the mic and just say it. A quiet AI categorises, spots drift and surfaces the right nudge at the right moment. Across 50+ currencies, on every device.

[ 01 ]Six PillarsWhat you track in Welcy

Portfolio Tracker

Stocks, crypto, real estate & cash across 50+ currencies with live prices and P&L tracking.

Insurance Policies

Centralise every policy you own. Get alerted before premiums lapse — in any currency.

Fixed Deposits

Track principal, maturity dates, and interest earned across banks and currencies.

Liabilities & Loans

Monitor outstanding debt, repayment progress, and upcoming EMIs across borders.

Smart Notifications

Push alerts for renewals, maturities, and overdue payments on iOS, Android & desktop.

Financial Goals

Set net-worth targets, savings goals, and debt-freedom milestones with live progress.

[ 02 ]Welcy AISilent growth partner — never a chatbot

AI that helps you, not one you have to talk to.

Welcy AI sits quietly inside the app — picking the right category as you type an expense, coaching your Welcy Score, suggesting goal titles, and flagging renewals before they sneak up. Helpful when you want it, invisible when you don't.

Personalised to your real numbers — never generic advice
Suggestions appear softly — you always decide what to keep
Quiet by design — no chat, no pop-ups, no nagging
Always there, never in the way — Welcy keeps working either way

Welcy AIInsurance is dragging your score

Solid diversification (18/25) but no life or health cover costs you 15 points.

Adding a term life policy sized to your liabilities could lift the score to ~80.

Welcy AIWeekly

Up 3.2% despite higher food spend

The compounder mindset is winning — watch the creep next month.

Welcy AIPolicy · 12 days

Home insurance renews soon

Your property value rose 12% since you sized this cover.

Goal Name

e.g. Reach $100k…

Welcy AIAuto-applied

Vet billsIcon + colour picked for you

Welcy AIIndex-tilted compounder

Broad-market ETFs anchor your stack, with crypto on the edges. A patient, low-friction shape.

Welcy voice

Tap the mic and just say it. “bought 10 shares of Apple at 180” — Welcy parses, prefills, and asks you to confirm before saving.

Smart category

Type "Starbucks" or "Uber" and the right category is already waiting for you.

Score coach

A short note under your Welcy Score explains where you stand and the single best move to lift it.

Weekly tip

One personalised growth nudge each week, drawn from how your money actually moved.

Renewal coach

A calm review note when a policy, fixed deposit, or subscription is approaching renewal.

Goal title

Naming a goal? A meaningful title appears as a chip — tap to use it, or keep typing your own.

Category icon

Create a custom category and a fitting icon + colour are picked for you, ready to change anytime.

Investment label

A small identity tag for your portfolio shape — "Index-tilted compounder", "Real-estate anchored", and so on.

Sub detection

Spots recurring charges in your expenses and offers to start tracking them as subscriptions.

Suggestions only appear when they help — and they wait for you to use them. You're always the one who decides.

[ 03 ]Net Worth, the moment you log inEditorial typography · live counter · multi-currency

A single number

Walk into Welcy and the very first thing you see is your net worth in your chosen currency. Animated counter, period trend pills, milestone progress, and a streak indicator if you've been growing month-over-month.

Smooth animated counter when value changes
Currency switcher with live forex
7-day, 30-day, today period trend
Next milestone progress with celebrations

LiveNet Worth

$924,310 +1.85% today

$1,168,536 assets · $244,226 liabilities

7 Days+2.4%

30 Days+5.1%

Streak4mo

Next milestone$1M

[ 04 ]Welcy Score AI CoachA composite signal of your financial health

0out of 100

✓ On track for early retirement

Score components

Welcy Score is a single composite signal of your financial health — how diversified you are, how much liquidity you hold, your debt-to-asset ratio, goal progress, and insurance coverage. One number you can move.

Diversification

Across asset classes

Liquidity

6+ months runway

Debt-to-asset

Healthy ratio

Goal progress

On track for 2027

Insurance cover

Above recommended

[ 05 ]See what you ownAllocation · holdings · drift

Allocation

34.6%

29.2%

14.4%

11.2%

6.6%

Stocks$320K34.6%

Real Estate$270K29.2%

Fixed Deposits$133K14.4%

Cash & Bank$104K11.2%

Crypto$61K6.6%

Other$37K4.0%

Top Holdings

Real Estate · NYC

Brooklyn Apartment

$625K+0.42%

NASDAQ · 142 sh @ $189

Apple Inc.

$26,838+1.84%

0.42 BTC

Bitcoin

$28,224−2.31%

5.1% · matures Jul 2027

Vanguard CD

$12,500+0.59%

NASDAQ · 24 sh

Tesla

$5,964+0.91%

[ 06 ]Goals you actually hitNet worth · savings · debt-freedom milestones

Five goal types

Welcy supports net-worth goals, portfolio-value goals, debt-freedom goals, savings goals, and custom milestones. Each tracks your current progress automatically — no manual updating.

Auto-calculated progress from your real data
Target dates with on-track / off-track signals
Celebration banners when crossed
Pro: AI-curated suggestions to accelerate

House Down PaymentETA · Mar 2027

60%

$60K savedof $100K

Emergency FundETA · Aug 2026

80%

$24K savedof $30K

Kids’ EducationETA · Jan 2032

37%

$48K savedof $130K

[ 07 ]Smart AlertsNever miss a renewal, maturity, or due date

How alerts work

Welcy watches your portfolio every day and sends a push notification before anything important happens — a policy about to lapse, a fixed deposit ready to roll over, an EMI due tomorrow. Each alert is one tap away from action.

Policy renewal reminders — 30, 7, and same-day notices
Fixed deposit maturity countdown
EMI due-date alerts for every loan
Stock price targets — set once, get notified when hit
Goal-milestone celebrations

Sample alerts

Life Insurance due in 3 days

MetLife · $480 premium

Fixed Deposit matures in 12 days

Chase Bank · $3,200 payout

Car EMI due in 5 days

Auto Loan · $650 / mo

[ 08 ]Multi-Currency50+ currencies · live forex · approximate conversion

Why it matters

Most trackers force a single base currency. Welcy lets you hold assets in EUR, liabilities in USD, a CD in GBP, and a policy in CAD — and shows the unified net worth instantly with live forex conversion.

Per-asset currency assignment
Live forex rates with auto-refresh
Conversion fallback when a rate is unavailable
Display currency switcher in the net worth hero

Supported currencies

USD $EUR €INR ₹GBP £AED د.إSGD S$AUD A$JPY ¥CHF FrCAD C$CNY ¥HKD HK$+38 more

[ 09 ]Live PricesStocks · crypto · ETFs · funds — updated continuously

AAPL

$189.30+1.2%

ETH

€3,241.50+3.4%

BTC

$67,200.00+4.1%

NVDA

$875.50+1.5%

TSLA

$248.50-0.9%

GOLD

£1,847.20+0.3%

SAP

€142.80+0.9%

SONY

¥12,450+0.6%

[ 10 ]Growth Insights Welcy AIPersonalised by Welcy AI, drawn from your real numbers

What you get

Beyond a dashboard. Welcy looks at your portfolio, debts, coverage, and cash flow, then surfaces specific opportunities — coverage gaps, idle savings, allocation drift, savings rate trends — in plain English you can act on.

Insights are personal to you and stay private to your account.

Sample insights

Coverage gap detected — your life insurance is below the recommended 10× annual income.

$2,500 idle in savings. A 90-day CD at 5.2% could earn $32 before March.

Credit card balance up 14% this quarter. Increasing payments saves $220 in interest.

Your equity allocation is 4.2pp over target — consider rebalancing toward fixed income.

[ 11 ]Every DeviceWeb app · Add to Home Screen for app-like experience

iPhone / iPad

Safari → Share → Add to Home Screen

Android

Chrome → Menu → Add to Home screen

Desktop

Chrome / Edge → Install icon in address bar

Ready to see your full picture?

Start free. No credit card. Two minutes to your first net worth chart.

Start free See pricing

AI that helps you, not one you have to talk to.

Personalised to your real numbers — never generic advice

Suggestions appear softly — you always decide what to keep

Quiet by design — no chat, no pop-ups, no nagging

Always there, never in the way — Welcy keeps working either way

Every line of your money —tracked by tap or by voice.

Portfolio Tracker

Insurance Policies

Fixed Deposits

Liabilities & Loans

Smart Notifications

Financial Goals

AI that helps you, not one you have to talk to.

Up 3.2% despite higher food spend

Home insurance renews soon

Welcy voice

Smart category

Score coach

Weekly tip

Renewal coach

Goal title

Category icon

Investment label

Sub detection

iPhone / iPad

Android

Desktop

Ready to see your full picture?

Every line of your money —tracked by tap or by voice.

Portfolio Tracker

Insurance Policies

Fixed Deposits

Liabilities & Loans

Smart Notifications

Financial Goals

AI that helps you, not one you have to talk to.

Up 3.2% despite higher food spend

Home insurance renews soon

Welcy voice

Smart category

Score coach

Weekly tip

Renewal coach

Goal title

Category icon

Investment label

Sub detection

iPhone / iPad

Android

Desktop

Ready to see your full picture?

Every line of your money —
tracked by tap or by voice.

Every line of your money —
tracked by tap or by voice.