A detailed overview of everything AryaWealth offers. Designed for investors who want clarity, control, and institutional-grade security — without the institution.
Historical net worth chart combining all asset classes. Scrub through time to see how your wealth has evolved, with breakdowns between investments, property, and cash.
Layer up to two What-If scenarios on your timeline. Choose from 9 preset templates (market crash, bull market, pay rise, etc.) or describe a scenario in natural language and let Arya translate it into parameters. All projection maths is deterministic — AI sets the parameters, not the outcomes.
Add bank accounts manually or connect NZ accounts via Akahu open banking for live balance sync. Automatic foreground and background sync with throttle controls.
AI-generated milestone markers on your timeline highlighting significant changes — large deposits, market movements, and goal achievements.
Ask questions in plain language. Arya assembles your holdings, performance data, and live news into context — then generates responses grounded in your actual financial situation.
When two or more AI providers are configured, Arya automatically dispatches a validation request to a second model. Results show confidence levels (High, Moderate, Low) with claim-by-claim comparison.
Morning and evening briefings summarise market movements and portfolio changes. Delivered as push notifications with read-aloud support. Change-aware — they highlight what's moved since your last briefing, including bank balance changes.
Auto-generated insight cards surface relevant news and analysis. Market news aggregated from Finnhub, GNews, or NewsData.io with ticker-specific and macro coverage.
Four granularity levels control what data Arya can access: full portfolio, current positions only, redacted, or disabled. Enforced across all AI features including scenarios and milestones.
Track AI token usage per provider with daily and monthly budgets. 80% warning threshold. All metering records are encrypted at rest.
Stacked area chart showing investment value over time, broken down by currency. Individual holdings listed with market value, P&L, and percentage gain.
Period return, annualised return, best/worst month, and up-month ratio. Time-weighted return (TWR) and money-weighted return (MWR/IRR) calculations.
Regional, sector, currency, and asset-type allocation charts. Donut and bar views with largest-holding concentration warnings.
Sharpe ratio, portfolio beta, risk metrics, and cost basis analysis. All computed from your actual positions and transaction history.
Sortable list of all holdings with live prices, market value, unrealised P&L, and percentage gain. Filter by asset type.
Interactive price charts with configurable time periods. Historical data from your selected market data provider with automatic failover.
RSI, MACD, Bollinger Bands, and moving averages — all computed locally. Signal banners highlight overbought/oversold conditions.
Full transaction history with buy, sell, and dividend entries. Positions are always derivable from their transaction ledger — the single source of truth.
Search across all configured market data providers with asset class and region filters. Results include exchange, currency, and asset type metadata.
Save securities to a research list with target prices, notes, and status tracking. Quick-access from the analysis and AI tabs.
Compare up to 5 securities on a single chart with absolute price and normalised (% change) modes. Period picker, AI-generated research milestones with timeline badges, and export to reports.
AI-powered comparison analysis covering momentum, risk, volatility, and relative valuation. Findings ranked by category with actionable conclusions.
1,000 simulated outcomes with P10/P50/P90 confidence bands. Adjust expected return, contribution, and horizon. Start from your actual portfolio value or a custom amount.
Set retirement or financial independence goals with target amounts, timelines, and withdrawal rates. Track whether you're on course with real-time progress indicators.
Arya analyses your projection parameters, risk profile, and portfolio composition to generate actionable findings across allocation, risk, contributions, income, tax, and general strategy. Findings include severity ratings and one-tap action buttons.
Australia, New Zealand, United States, Canada, United Kingdom, Japan, Germany, France, Ireland, and Singapore. Country-specific rules including AU Medicare Levy, US NIIT, UK year-versioned allowances, NZ PIE fund exclusion, and JP NISA exclusion.
Realised gains and losses by financial year with cost basis method selection (Weighted Average, FIFO, LIFO). CGT discount eligibility, carried-forward losses, and per-event detail.
US wash sale, Canadian superficial loss, and UK bed-and-breakfast detection. Informational warnings to help identify at-risk transactions.
Arya analyses your tax position and generates findings across capital gains, timing, structure, dividends, deductions, and general strategy. Severity-rated findings with one-tap actions.
Track owned properties with purchase details, current valuations, mortgage terms (inline — no separate loan entities), rental income, and expense tracking.
Amortisation schedules, repayment scenarios, and refinancing analysis. Model the impact of extra repayments, rate changes, and loan restructuring.
Save target properties with suburb statistics, comparable sales, rental estimates, and investment modelling including cash flow projections.
Arya analyses your property data and generates findings covering refinancing, tax planning, offset strategy, repayments, loan structure, and market positioning.
Filter by source (Arya, Projection AI, Research AI, Real Estate AI, Tax AI, Analysis Chart) and time period. Select individual reports or batch-compile into a single document.
Professional layout with cover page, table of contents, and paginated findings. Research analysis reports include chart snapshots and milestone summaries. All generated on-device.
All stored data — chat history, financial analyses, token records, net worth snapshots, and scenario definitions — encrypted with per-domain Keychain-managed symmetric keys.
When iCloud sync is enabled, all sensitive bank account fields (institution name, account name, balance, available balance, credit limit, notes, and external IDs) are individually encrypted with AES-256-GCM before leaving the device.
TLS certificate pinning on 10 API domains using intermediate CA public keys with root CA backup pins. Pin failure blocks the request and notifies the user.
All API keys, OAuth tokens, and encryption keys are stored exclusively in the Apple Keychain with device-only access. Keys are never backed up to iCloud Keychain.
Face ID, Touch ID, or Optic ID authentication on launch and background return. App-switcher blur prevents data leakage during multitasking.
iCloud Drive backups use PBKDF2-SHA256 (200,000 iterations) for passphrase-derived keys with AES-256-GCM payload encryption. Automatic backup rotation with configurable retention.
AI prompt sanitisation applies XML delimiter replacement, zero-width character stripping, Unicode normalisation, and code-fence neutralisation before any data reaches AI providers.
Sidebar shows only the active profile's data. Profile switching restricted to Settings — prevents accidental exposure during demos or screen sharing.
Automatic portfolio sync with position and transaction import. Background sync support.
Multi-model support with automatic cross-validation. Bring your own API keys.
Historical prices, symbol search, and exchange rates with automatic failover between providers.
Ticker-specific and macro news with TTL-based caching. Sentiment data from NewsData.io.
Live bank account balances and transactions. Personal App model — you provide your own tokens. No intermediary.
iPad and iPhone — built with SwiftUI.
SwiftData with optional CloudKit sync. 19 supported currencies. Transaction-sourced position truth model.
20 individually togglable features. Enable only what you need — Arya, watchlist, alerts, real estate, tax, research, reports, cloud sync, net worth, and open banking.