A detailed overview of everything AryaWealth offers. Designed for investors who want clarity, control, and serious security — without the institution.
Historical net worth chart combining all asset classes with selectable time windows from 1W to All. Scrub through time to see how your wealth has evolved, with breakdowns between investments, property, pensions, and cash.
Layer up to two scenarios on your timeline. Choose from 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 via Akahu (NZ) and Finverse (HK/SG) over OAuth 2.0 for live balance sync and webhook-driven transaction updates. Foreground and background sync with throttle controls.
Track multi-jurisdiction retirement accounts — defined-contribution and defined-benefit — with a per-fund jurisdiction and currency. Balances and guaranteed income are computed deterministically and folded into net worth, projections, and tax.
AI-generated milestone markers highlight significant changes — large deposits, market movements, and goal achievements. Tap "Explain this Chart" for a descriptive narrative summary of how your wealth has evolved.
Ask questions in plain language. Arya assembles your holdings, performance data, banking context, and live news into a structured prompt — 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 and a typed financial-claim taxonomy.
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 categorised across Performance, Diversification, Risk, Market Trends, Market News, and Banking. Each card opens a portfolio-aware detail view with one-tap pin-to-chat for follow-up conversation.
After every assistant response, on-device follow-up question chips appear — generated locally using Apple Foundation Models. No portfolio data crosses the boundary; only the previous response snippet is used.
Four granularity levels control what data Arya can access: full portfolio, current positions only, redacted, or disabled. Enforced across all AI features including scenarios, milestones, and FX-tab key events.
Track AI token usage per provider with daily and monthly budgets. 80% warning threshold. All metering records are encrypted at rest.
Six-step sanitiser runs on user text and recognised annotation content before every AI dispatch — XML delimiter replacement, zero-width character stripping, Unicode normalisation, and code-fence neutralisation.
Stacked area chart showing investment value over time, broken down by currency. Individual holdings listed with market value, P&L, and percentage gain. Filter by asset type.
Period return, annualised return, best/worst month, and up-month ratio. Time-weighted return (TWR) and money-weighted return (MWR/IRR) calculations.
Asset type, sector, currency, and geographic allocation charts. Donut and bar views with largest-holding concentration warnings.
Multi-position overlay chart for direct comparison of percentage returns across selected holdings. PencilKit markup applied directly to the chart for trend lines, annotations, and presentation export.
Sortable list of all holdings with live prices, market value, unrealised P&L, and percentage gain. Filter by asset type. Positions are derived from their transaction ledger — the single source of truth.
Interactive price charts with configurable time periods. RSI, MACD, Bollinger Bands, and moving averages — all computed locally. Signal banners highlight overbought/oversold conditions.
Full transaction history with buy, sell, dividend, split, and transfer entries. Search, date range, exchange rates, and per-event detail with original/converted amounts and fees.
Browse bank transactions across institutions and accounts with merchant-level categorisation. Filter by account, time window, and category. Provenance-aware merchant resolution preserves user edits across syncs.
Balance history per account as a stacked area chart, spending-by-category donut, and cash flow over time with income/expense bars. Toggle between Ledger and Insights views.
Recurring mortgage payments are detected automatically from your bank transactions and matched to property records. Ambiguous candidates are queued for one-tap confirmation rather than silently mis-matched.
Closed-form percentile confidence bands (conservative / median / optimistic) derived from historical volatility. Adjust expected return, contribution, and horizon. Start from your actual portfolio value or a custom amount.
Three goal types — retirement, savings, and investment — with target amounts, timelines, and (for retirement) drawdown duration and rate. Track progress against goals with real-time indicators.
Arya summarises your projection parameters, risk profile, and portfolio composition — describing the picture across allocation, risk, contributions, income, tax, and general strategy in plain language. AI never participates in calculation; that's done by the deterministic projection engine.
AI converts natural-language scenarios into immutable, range-clamped parameter structs. The projection engine is stateless and deterministic — AI never participates in calculation. Re-running the same parameters always returns the same outcome.
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, normalised (% change), or market cap modes. Period picker, AI-generated research milestones with timeline badges, and export to reports.
Dedicated FX research tab with historical rate charts, paired pair overlays, normalised/raw modes, and AI-generated key events on the timeline. Quick-select chips derived from your portfolio's actual currency exposures. Inline converter.
AI-generated summary text describing momentum, risk, volatility, valuation, and fundamental indicators for each selected security. The side-by-side normalised charts and AI summaries give you the picture; the comparison is yours to draw.
Track owned properties (Investment or Owner Occupied) with purchase details, current valuations, mortgage terms, rental income, and expense tracking. Status filters cover owned, under contract, and sold.
Per-property mortgage detail with balance, equity, interest paid, lender, and rate. Loan balance chart with actual and projected curves. Mortgage payments matched from your bank transactions automatically.
Amortisation schedules, repayment scenarios, and refinancing analysis. Model the impact of extra repayments, rate changes, and loan restructuring before committing.
Save target properties with status (researching, inspected, watching, offer made), suburb statistics, comparable sales, rental estimates, and cash flow projections.
Arya summarises your property and mortgage data — repayments, loan structure, offset position, CGT exposure, LVR, and bright-line dates — drawn from your actual records. NZ-specific RBNZ LVR rules and bright-line calculations built in.
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.
Full NZ FIF regime support for offshore shareholdings exceeding NZ$50,000 cost (subject to specific IRD rules and exemptions). Both FDR (5% × opening value) and CV (closing value + distributions − opening value) methods, with the lower automatically selected. ASX-listed and NZX-listed exemptions handled.
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 summarises your tax position across capital gains, timing, dividends, and deductions in plain language — drawn from your transactions and the deterministic CGT engine's calculations.
Filter by source (Arya, Projection AI, Research AI, Real Estate AI, Tax, Analysis Chart) and time period. Select individual reports or batch-compile into a single document.
Compile AI-generated summaries into shareable PDF documents. Research reports include chart snapshots and milestone summaries. All generated on-device.
End-to-end encrypted read-only portfolio sharing between two users. Passphrase-derived AES-256-GCM encryption (industry-standard PBKDF2 key derivation) with a strong-passphrase generator. Time-limited access with launch-time expiry enforcement.
Transfer a portfolio directly between two devices over the local network — no server, no internet. The receiver displays a QR code; the sender scans it to pin the peer's identity, and the data moves over a TLS 1.3 channel. Received data is staged read-only and applied only after you confirm.
Choose what to include — single portfolio, multiple portfolios, or a specific subset. The manifest preview shows exactly what is and isn't in the package. Bank accounts are excluded by default; annotations, mortgage records, and pensions are never included in a share.
Pen, highlighter, eraser, lasso, ruler, and colour picker. Pressure-sensitive strokes with Apple Pencil, constant-width with finger. Apply to charts in Performance Analysis, Research, and other chart-bearing views.
On-device Vision recognises handwritten text. AI interpretation extracts intent — annotations become searchable, navigable artefacts on the annotation timeline rather than opaque ink layers.
Browse all annotations chronologically across views. Search by recognised text. Annotations live in the local-only store, protected at rest by iOS Data Protection, and are excluded from sharing exports.
A "?" button on every feature view opens a contextual chat with an AI agent that has read-only access to a curated knowledge base — not your portfolio. The chat remains scoped to the feature you opened it from.
Three-tier retrieval: a small kernel index always loaded, module-specific top matches retrieved on demand, and deep-dive walkthroughs loaded as needed. The full knowledge base ships in-bundle and is searchable via an actor-isolated index.
The portfolio chat coordinator and the support chat coordinator share no context. Support sees the knowledge base only — never your holdings — enforced by a structural test that fails on any cross-import.
The SwiftData store is local-only — there is no cloud mirror. Sensitive fields (bank balances and names, property addresses and valuations, annotation text, pension balances) are protected at rest by iOS Data Protection: hardware-backed and derived from your device passcode.
Cache and non-relational data — chat history, financial analyses, token records, currency rates, and validation results — is encrypted with per-domain Keychain-managed symmetric keys, so a compromise of one domain key exposes no other.
TLS certificate pinning on external API domains using intermediate CA public keys with root CA backup pins. Pin failure blocks the request and notifies the user. The managed proxy domain is authenticated by a per-user token instead.
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 and local auto-backups use industry-standard PBKDF2 passphrase-derived keys with AES-256-GCM payload encryption and a post-decryption content-hash check. Automatic backup rotation with configurable retention.
Device-to-device transfer is authenticated out of band: the receiver mints a single-use, self-signed identity and shows its fingerprint as a QR code, which the sender scans and pins against the live TLS 1.3 connection. A mismatch fails before any data moves. No key is persisted.
For managed-key providers, a stateless edge proxy holds shared API keys and forwards requests without inspection, gated by Apple App Attest device-trust. Per-provider header and query allowlists. Users connecting with their own keys connect directly to the provider.
The sidebar shows only the active profile's data. Profile switching is restricted to Settings — preventing accidental exposure during demos or screen sharing.
Automatic portfolio sync with position and transaction import, plus background sync. Connect with your own brokerage credentials.
Bring your own keys, route through the managed proxy, or point Arya at a self-hosted model on your own network. Multi-model cross-validation; Apple Foundation Models run on-device for follow-up suggestions and reference answers.
Prices, fundamentals, splits, dividends, FX, and ticker news requested by stable market identity from a provider-blind managed surface — the upstream is resolved server-side and never seen by the app. Feeds the FX Rate Tracker, conversions, and CGT.
A server-built, deduplicated news pool for macro and general headlines, plus ticker-specific news on the same canonical surface. Public news metadata only — relevance-to-holdings matching stays on your device.
Live bank account balances and transactions via OAuth 2.0 with webhook-driven sync. Akahu connects device-direct; Finverse uses a confidential-client model where the secret never touches your device.
The managed data and news surface is gated by Apple App Attest, proving the request comes from a genuine app instance without introducing an account or password.
iPad, iPhone, and Mac (Mac Catalyst) — built with SwiftUI. iOS 17+ minimum.
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 (SwiftUI views and ViewModels), Core (services and persistence), and Integrations (provider-isolated). Zero-server posture. See the diagrams →
Individually togglable features — enable only what you need. Coordinated through an observable container backed by encrypted UserDefaults.