Software as a Wealth Device.
One household ledger. Less tax-season chaos.
Track taxes, documents, budgets, investments, bills, and estate records in one secure ledger. AI prepares, a CPA reviews, and you stay ready year-round.
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Fifty-four features. One platform.
Google Sheets Sync
Export your transactions, budgets, and tax summaries to Google Sheets automatically. Scheduled syncs keep your spreadsheets up to date without manual exports.
Enable Sync →Expense Categorization Rules
Build smart rules to auto-categorize transactions by merchant, keyword, or amount. Set once — every future transaction from that source is tagged automatically.
Add Rules →Monthly Budget Reports
Automated month-end summaries with income vs. spend breakdowns, category overages, savings rate, and YTD trend charts — delivered to your inbox.
View Reports →Slack Notifications
Real-time budget overages, tax deadlines, large transactions, and goal milestones delivered directly to your Slack workspace. Configure channels and thresholds.
Connect Slack →Email Reminders
Scheduled email alerts for upcoming tax deadlines, bill due dates, budget thresholds, and quarterly payments. Customizable frequency and categories.
Set Reminders →Financial Goals Tracker
Set savings targets, debt payoff goals, and investment milestones. Track progress with visual indicators, confetti celebrations, and automated Slack/email updates.
Track Goals →Tax Document Organizer
Upload, tag, and organize every tax document — W-2s, 1099s, receipts, and statements — by year and category. Instant search and CPA-ready export.
Organize Docs →Monthly Wealth Snapshot
Auto-generated net worth report every month: assets, liabilities, investment performance, and cash flow variance — all in one printable snapshot.
View Snapshot →Tax Deadline Reminders
Never miss a federal or state filing deadline. Personalized calendar of quarterly estimated taxes, extensions, W-2 deadlines, and state-specific dates with email + Slack alerts.
Set Reminders →Property Tax Tracker
Track assessed values, payment history, and upcoming due dates across all properties. Generate appeal packets with comparable sales data and IRS-ready documentation.
Track Properties →Secure Document Sharing
Share tax documents with your CPA using time-limited, access-logged secure links. Revoke access at any time. Full audit trail of every view and download.
Share Securely →Tax Liability Calculator
Real-time federal and state tax liability projections based on your YTD income, deductions, and filing status. Know your estimated refund or balance due at any point in the year.
Calculate Now →Automated Tax Alerts
Proactive alerts for underpayment risk, missed estimated tax deadlines, high deduction flags, and IRS notice triggers. Delivered via email and Slack the moment a threshold is crossed.
Enable Alerts →State Nexus Tracker
Map your income, payroll, and sales tax nexus across every state you operate in. Flag economic nexus thresholds, track registration deadlines, and surface multi-state filing obligations before they become penalties.
Map Nexus →Multi-Currency Support
Track income, expenses, and investments across currencies. Automatic exchange rate conversion, FX gain/loss reporting, and FBAR-ready foreign account summaries.
Configure Currencies →Asset Depreciation Tracker
Track tangible business assets with straight-line and double-declining depreciation schedules. Auto-generate Section 179 and bonus depreciation summaries for your CPA.
Track Assets →Expense Categorization Engine
AI-powered auto-tagging of every transaction by IRS deduction category. Build custom rules by merchant or keyword. One-click re-categorization with full audit log.
Categorize Now →Annual Financial Report
Auto-generated year-end summary with income vs. expenses, savings rate, tax-deductible totals, investment performance, and net worth delta — exportable as PDF.
View Report →Audit Log Viewer
Tamper-evident audit log of every action in the platform — categorizations, CPA edits, document uploads, signature events, and AI reasoning steps. Filter, search, and export.
View Audit Log →Portfolio Performance Monitor
Track holdings, realized and unrealized gains, dividend income, and asset allocation across all linked brokerage accounts. Benchmark against index performance.
Monitor Portfolio →Invoice & Receipt Capture
Snap a photo or upload any receipt or invoice. AI extracts merchant, amount, date, and category. Matched to transactions. Stored in your audit-ready document vault.
Capture Receipts →Tax Refund Estimator
Real-time refund or balance-due estimate based on YTD income, withholding, deductions, and credits. Updates instantly as you add transactions. See the number before your CPA does.
Estimate Refund →Bank Sync Status
Live status dashboard for all connected bank, brokerage, and card accounts. See last sync time, pending transactions, connection health, and re-link broken accounts instantly.
View Sync Status →Custom Alert Rules
Build your own threshold-based alerts — overspending by category, large transactions, low balance warnings, tax deadline proximity. Delivered via email, push, or Slack.
Build Alerts →Debt Payoff Planner
Model avalanche and snowball payoff scenarios for mortgages, student loans, auto loans, and credit cards. Visualize total interest saved and timeline to debt-free against your current cash flow.
Model Payoff →Wealth Snapshot
Monthly point-in-time capture of assets, liabilities, net worth, and investment allocation. Track progress toward financial independence with interactive milestone charts.
View Snapshot →Tax Projection Calendar
Visualize every upcoming estimated payment, extension deadline, W-2 cutoff, and state filing date on a unified calendar. Color-coded by urgency with push notifications 30 days out.
View Calendar →Tax Filing Roadmap
Step-by-step guided timeline from document collection through e-filing and final signature. Tracks each milestone, flags missing items, and surfaces the next action — personalized to your tax situation.
View Roadmap →Cross-Account Transfers
Log, categorize, and reconcile transfers between your own accounts without double-counting income or expenses. Smart detection prevents erroneous tax deductions on wash transfers.
Manage Transfers →Recurring Budget Alerts
Set monthly spend caps by category and receive automated alerts at 50%, 80%, and 100% of your limit. Delivered by email, push, or Slack — before you overspend, not after.
Setup Alerts →Net Worth Forecasting
Project your net worth 1, 5, and 10 years forward using current asset growth rates, debt payoff schedules, and savings velocity. Adjust assumptions in real time to see impact.
Run Forecast →Subscription Cancellation Tracker
Detect active subscriptions from bank feeds, flag unused services, and track cancellation status. Shows monthly bleed from forgotten trials, annual auto-renewals, and duplicate charges.
Track Subscriptions →Tax Bracket Optimizer
See exactly how much more income pushes you into the next bracket and model deduction strategies to stay below the threshold. Supports all filing statuses and 2025–2026 IRS brackets.
Optimize Brackets →Tax Document Vault
Encrypted, organized storage for W-2s, 1099s, K-1s, receipts, and CPA correspondence. Auto-tagged by tax year and form type. Full-text searchable. One-click share with your CPA via time-limited access tokens.
Open Vault →Income Dashboard
Aggregate all income streams — wages, 1099, rental, dividends, capital gains, and crypto — into a single real-time view. See YTD totals, compare year-over-year, and track estimated vs. actual for each source.
View Income →Budget Forecasting
Project monthly and annual spend forward using your actual transaction velocity. Surfaces categories trending over budget before the month ends and auto-adjusts forecasts when income changes.
Run Forecast →Vendor Ledger
Track every vendor payment, invoice, and reimbursement in one place. Surfaces duplicate charges, missed credits, and tax-deductible vendor categories. Exportable to your accountant in seconds.
View Vendors →Dividend Tracker
Log and reconcile qualified vs. ordinary dividends, REIT distributions, and foreign dividends across all brokerage accounts. Automatically maps to Schedule B and surfaces estimated tax impact.
Track Dividends →Financial Score
A composite 0–100 score based on net worth growth, documentation completeness, audit risk flags, deduction utilization, quarterly payment status, and filing readiness. Updated daily. Actionable improvement steps included.
Check My Score →Auto-Reconciliation
Automatically match bank transactions to ledger entries, flag variances, and close the books each month without manual intervention. Discrepancies are surfaced with context and routed to your CPA queue.
Enable Reconciliation →Tax Summary Export
One-click export of your complete tax year summary — income by source, deductions by category, quarterly payments, carryforwards, and net liability — formatted for CPA handoff or IRS correspondence.
Export Summary →Multi-Account Dashboard
Unified view across every bank, brokerage, credit card, and loan account. See total cash, net positions, upcoming payments, and cross-account cash flow in a single consolidated panel.
View All Accounts →Tax Goal Tracker
Set annual tax reduction targets — lower effective rate, maximize deductions, hit a refund amount — and track progress in real time. AI surfaces specific actions to close the gap each quarter.
Set Tax Goals →Portfolio Rebalancer
Define target asset allocations and drift thresholds. The rebalancer identifies which accounts are out of balance, calculates the minimum trades needed, and flags tax-efficient rebalancing sequences.
Rebalance Portfolio →Bill Auto-Negotiator
Detect recurring bills trending above market rate, surface comparable offers, and auto-generate negotiation scripts. Track negotiation outcomes and estimated annual savings per vendor.
Negotiate Bills →Plaid Live Connection
Connect checking, savings, brokerage, and credit accounts from 12,000+ institutions in seconds. Transactions stream in real time with merchant enrichment, category tagging, and running balance updates.
Connect Accounts →Real-Time Balance Feed
See every account balance updated throughout the day, not just at midnight. Detect unexpected charges, overdraft risk, and large transfers within minutes of settlement.
View Balances →Spending Velocity Monitor
Track burn rate by category versus your rolling 90-day baseline. Get alerted when dining, subscriptions, or discretionary spending spikes so you can course-correct before month-end.
View Velocity →Net Worth Chart
Interactive historical net worth chart with monthly snapshots, asset vs. liability breakdown, and trajectory projections. See every milestone, dip, and growth event on a single timeline.
Add Net Worth Chart →Build Crypto Dashboard
Track Bitcoin, Ethereum, and all your Coinbase holdings in real time. Gain/loss calculations, 1099-DA mapping, and daily tamper-evident audit trail for every transaction.
Open Crypto Dashboard →Set Up Alerts
Build threshold-based alerts for large transactions, low balances, bill due dates, and tax deadlines. Delivered via email, push, or Slack — before you miss a payment.
Configure Alerts →Create Profit Analyzer
Turn your transactions into a real P&L. Monthly revenue, expense breakdown, profit margins, and estimated tax savings from business deductions — auto-generated from your bank feed.
Analyze Profit →Link Business Calendar
Sync tax deadlines and business meeting tasks to Google Calendar in one click. Never miss an estimated tax due date, client call, or quarterly filing window again.
Link Calendar →Enable Bulk Import
Upload CSV or PDF bank statements and let AI extract, categorize, and reconcile every transaction automatically. Supports all major banks, credit unions, and brokerages.
Start Bulk Import →What makes something a Wealth Device.
The category "Software as a Medical Device" exists because certain software deserves device-grade rigor. Wealth demands the same standard.
Maintains a tamper-evident, cryptographically-chained ledger of a person or entity's complete financial life — personal, business, every account, every filing, every year.
Produces tax-ready filings finalized by credentialed human preparers. AI prepares. The CPA signs their name and PTIN. The taxpayer approves. The system transmits.
Operates under a privacy-first architecture with AES-256-GCM at rest, TLS 1.3 in transit, and a SHA-256 hash chain. Post-quantum cryptography is on the roadmap but not yet deployed.
Treats the entire household — spouses, joint accounts, beneficiaries, heirs, and business entities — as a single regulated surface, not five apps held together with duct tape and CSV exports.
What makes SAWD categorically different.
Monarch tracks spending. Quicken manages budgets. Kubera shows your net worth. None of them file your taxes, employ a CPA, or plan beyond your lifetime. SAWD does all four — simultaneously.
Everything in one place.
Chase, Fidelity, Coinbase, private deals, and tax docs — unified under one login.
Monarch Money shows your bank balance. Kubera tracks your net worth. Neither of them holds your W-2, knows your CPA, or has ever seen your estate documents. SAWD connects every account — banking, brokerage, crypto, private equity, IRS transcripts — into a single tamper-evident ledger with one login and one audit trail.
Built for complexity.
Double-entry bookkeeping, tamper-evident audit trail, and CPA collaboration — not just pretty charts.
Quicken gives you a spreadsheet with a better UI. SAWD gives you a double-entry ledger, a SHA-256 hash chain for audit integrity, and a dedicated CPA portal — all in one platform. Your accountant works directly in your ledger. No CSV exports. No re-keying. No version conflicts.
AI-powered tax strategy.
Proactive deduction detection, TLH alerts, and scenario modeling — not just tracking.
TurboTax waits for you to find your deductions. SAWD's AI engine scans every transaction continuously — flagging tax-loss harvesting opportunities, detecting OBBBA deductions, running MFJ vs. MFS simultaneously, and alerting you before the quarter ends. Then a CPA signs off before anything is filed.
Estate and legacy layer.
Dead man's switch, beneficiary mapping, and estate docs — wealth tools that plan beyond your lifetime.
No wealth app plans for your death. SAWD does. The Legacy Vault holds your estate documents alongside the financial records they reference. You designate beneficiaries at the asset level. The dead man's switch triggers verified access transfer to your heirs. Your financial life — complete, organized, legally transferable — survives you.
"Few competitors combine ledger · audit trail · household CFO · multi-generational · CPA-in-the-loop in a single platform. SAWD does — based on public product documentation as of October 2026."
Five pillars. One device.
Double-Entry, Tamper-Evident.
Every transaction, every document, every signature lives in an append-only ledger. Balanced by construction. A SHA-256 hash chain provides audit integrity. Blockchain anchoring is available as an optional integrity layer.
AI that Shows Its Work.
Every categorization, every suggestion, every tax position logs its reasoning. Ask "why did you do that?" and read the answer — or hand it to your CPA.
Federal. States. Local.
Every form, every schedule, every locality. Year-over-year comparisons. Quarterly estimates. Property tax appeals. Tax-loss harvesting. One engine.
A Human Signs.
Every return is reviewed and signed by a vetted CPA before the IRS sees it. AI handles the 95% of grunt work. Your CPA handles the 5% that requires judgment.
Encryption Built for Today.
AES-256-GCM at rest, TLS 1.3 in transit, and a SHA-256 hash chain on every audit entry. Post-quantum cryptography (ML-KEM / ML-DSA) is on the roadmap but not yet deployed.
The Amazon of Finance.™
"One membership that replaces your tax preparer, your bookkeeper, your property tax appeals firm, your investment tracker, your HSA administrator, and your CPA's client portal. We monetize the relationship — not the individual service."
One subscription unlocks every financial shop. The more services you use, the cheaper each becomes on a per-engagement basis. Prime but for your entire financial life.
Taxes · property · payroll · investments · insurance · estate planning · CPA portal. Every shop under one ledger. Add a new category without re-entering a single data point.
The underlying double-entry, cryptographically-chained ledger is infrastructure other apps can build on. CPAs, advisors, and estate planners connect to the same source of truth.
We don't replace CPAs — we give them a platform that eliminates 95% of their grunt work. They sign. They earn. We capture the platform fee. Both sides win.
Unlike Amazon, our platform's core is a regulated, credentialed-human-in-the-loop system.
CPAs who sign returns. Not contractors optimizing for volume. That regulatory moat is structurally unreplicable by Intuit, by H&R Block, and by any AI-first company that tries to skip the credentialed layer. The IRS requires a human signature on every return.
Intuit owns the preparer market — not the ledger. SAWD is built around the ledger.
AI-first competitors may skip the CPA layer. A credentialed human signature is required by the IRS on every return.
SAID + SAWD form a family of marks. Shared ledger architecture is designed for compounding network effects.
Privacy-first architecture with a roadmap for post-quantum cryptography as standards mature.
Built for the whole household. Every generation.
Couples & Joint Filers
Married filing jointly or separately — SAWD models both scenarios simultaneously and recommends the option that saves more. Shared ledger, separate views, one CPA sign-off.
Household CFO Dashboard
Aggregate every account across every family member into a single net worth view. Income by earner, expenses by household member, and a consolidated tax picture your CPA can act on.
Multi-Generational Ledger
Your financial ledger doesn't expire when you do. Beneficiaries inherit the audit trail — every document, every filing, every asset — organized, verified, and legally accessible for heirs.
Estate & Beneficiary Planning
Designate beneficiaries, assign asset inheritance, and store estate documents alongside the financial records they reference. Legacy vault access triggers automatically upon verified conditions.
Household Property Ledger
Track every property the household owns — primary home, vacation property, rental, and trust assets — with assessed values, mortgage balances, and tax-deductible expense histories.
CPA-in-the-Loop for Families
Your family's dedicated CPA sees every household member's data in one workspace. They catch inter-family tax optimization opportunities — gift exclusions, 529 superfunding, spousal IRA — that no app surfaces alone.
"Zero competitors use the words ledger · audit trail · household CFO · multi-generational · CPA-in-the-loop in their positioning. SAWD owns all five — and means them."
AI prepares. You approve. A CPA signs.
You Connect
Banks, cards, brokerages, payroll, IRS transcripts — one onboarding.
AI Prepares
Categorizes, extracts, computes, drafts the return with full reasoning log.
CPA Reviews
A vetted CPA finalizes, asks questions, signs with their PTIN.
You Approve
One signature on Form 8879. You see everything the CPA saw.
We Transmit
Federal + state MeF, acks logged, refund tracked, done.
A deliberate category. Not a one-off.
The category we established first, powering direct-pay healthcare and patient-controlled medical records. Device-grade rigor applied to software that touches clinical and financial decisions.
The new category. Personal — business — tax — property — investments, engineered as a single regulated surface with AI preparation and credentialed human finalization. This is what you're here for.
Where we are, what's next.
Your financial life, engineered.
The era of downloadable CSVs, manual re-entry, and lost receipts is ending. Join SAWD and put your taxes, property, investments, and businesses live in one ledger — signed, secured, and filed.
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Be first in line.
Whether you're an individual or family getting your financial life in order, or a CPA, advisor, or partner firm, sign up for early access to SAWD.
This is an early-access sign-up and not financial, tax, or legal advice. Your details are stored so we can contact you about the service, and you can withdraw at any time.
Frequently asked questions.
See the platform before you sign up.
Family Dashboard
See how a household tracks wealth, taxes, and estate planning across generations.
Explore Preview →Wealth Report Demo
Net worth tracking, asset allocation, and investment performance — live demo.
Explore Preview →Tax Vault Preview
Explore the encrypted document vault with sample W-2s and 1099s organized by year.
Explore Preview →