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How Wealth Navigator works

The key concepts behind the product. Wealth Navigator is under active development, so these pages stay at the level that won't mislead: what the product is, how it treats your data, and the principles that won't change.

• Principles
  What Wealth Navigator optimizes for: privacy by architecture, local computation, open formats built to outlive vendors, and tools — not advice.
• Privacy & security
  How the vault keeps financial data readable only on your devices: two independent secrets, an unreadable server blob, and post-quantum-ready encryption.
• Vault, devices & sync
  Local-first by design: the app runs on your computer and works offline; an optional account adds encrypted sync, explicit conflict resolution, and device pairing.
• Ledger & imports
  A double-entry ledger under everything, imports from brokers, banks, paystubs and tax forms, and a categorization queue that never drops a transaction.
• Taxes & planning
  Year-round tax forecasting from your real data: catch under-withholding early, model what-ifs before you act, and export broker-grade records at filing time.
• Wealth in days
  One honest number — how long your money lasts at your observed spending — plus dashboards that compete with your past self, never with dark patterns.
• Free & paid
  The local app is free forever, including export. Plus covers server services — sync and bank import — with a no-card trial and no data hostages, ever.