Get the App
How do I register for a Wellthi Account?

Download the Wellthi app from your play store account. Click on the Wellthi app icon to launch the app and create your account clicking on the “New User” button. The app is currently available for Apple users only.

You can reset your password by going to the Wellthi app and selecting the reset password option. Enter your email address and click submit. You will receive an email from Wellthi with instructions to change your password.

From your home page, swipe on the home carousel to select the “Your Profile” tile. Click on the tile to view the Edit Profile page. Edit the fields or update your profile photo. Click on the “Save” button at the bottom of the page.

From your home page, swipe on the home carousel to select the “Share with friends” tile. Click on the tile and you will view your native share sheet. Select your friends and family and which channel you would like to share the invite.

From your home page, scroll on the home carousel to select the explore groups tile. Click on the tile, to view a list of available groups. Select your preferred group then click on the “Join Group” button below to join the group.

From your group page, you need to be a member of the group. Select the “members” tab” to view all members of the group. Click on the Share Group button. Your native share sheet will be displayed. Select your friend or family member to join the group and share the invite.

You can join as many groups as you want. There are no restrictions.

Yes you can connect with Wellthi users and be friends. Click on the “Feed” tab at the bottom navigation bar. At the top of the feed, in the Wellthi friends section click on “See All ” link.

Option 1: Select the “Search for Wellthi Friends” button at the bottom of the page. Input your friends name to search for them. Select your friend listed as results. Click on the 3 dot icon to “ View profile”, “Add Friend” or “Report User”. Click on “Add Friend”.

Click on the “Feed” tab on the bottom navigation bar to view your personal feed. Select the group you want to post in. View the group page, plus on the + button to create your post.

From your home page scroll down to the Creators section. Click on the creators profile, or click on see all to view all creators profile. Select the creator profile you are interested in to view their profile. Scroll down to view the groups they have created and / or their posts.

To view a Citizens Financial Advisor content, click on the “Advisors” tab on the bottom navigation bar. Select the advisors you are interested in, click on the “View profile” button to view their profile. Scroll down to view the groups they have created and / or their posts.

From your group, select the post you want to report. Click on the “more” tab on the bottom of the post. Select “report post”.

The Wellthi disclosures and disclaimers can be found here .

Our models currently support moderation of text, images, text within images (OCR), and video content. 

No. The Hive API simply returns classification metadata based on our model outputs. Our results tell customers whether material across various classes (e.g., sexuality, violence, hate) is present in user-generated content based on a confidence score (for visual models) or a severity level (for text models). Our customers then use those results to inform appropriate enforcement actions, such as automatically tagging or removing NSFW content, based on their own policies and practices.

We partition videos into representative frames (one frame per second of video) and pass video frames as input to our visual moderation model. The API will return a model response object with an analysis of each frame to the API endpoint. Video can also be submitted as a separate task to our audio moderation model via the API.

Debt Free

What is this number?

It’s how much more you need to pay off before you’re completely free of debt.

Debt can come from more than one place, and it adds up. Wellthi’s job is to help you find ways to pay it down faster so you can close the gap between what you owe now and being debt-free.

Yes. The longer a balance sits unpaid, the more interest adds to it. That’s just how debt works, not something Wellthi adds on top.

We add up what you owe across your linked accounts, like credit cards, personal loans, student loans, and auto loans.

We don’t count your mortgage unless you turn that setting on. You can include it if you want your home loan tracked too.

Yes. If something isn’t linked or doesn’t look right, you can manually add or edit what you owe. We’ll use your update the next time we calculate your number.

Your number gets smaller faster. Every extra dollar you put toward debt lowers what you still owe.

No. This number leaves out taxes you may owe, fees your accounts charge, and any penalties for paying off a loan early.

Yes. It changes when you pay down debt, take on new debt, or your interest rates change. We update it each time your accounts refresh.

No. This is information to help you learn and plan. It is not investment advice, tax advice, or legal advice.

Wellthi is not a registered financial adviser. We don’t tell you what to do with your money.

Sometimes. If we show you a product, we may earn a fee. When that happens, we’ll tell you.

Cash Cushion

What is this number?

It’s how much extra money you need set aside so you’re covered if something unexpected happens.

It needs to cover months without income, not just one bill, so it adds up fast. Wellthi’s job is to help you find ways to save and spend smarter so you can close the gap between what you’ve saved and your cushion goal.

Money experts often recommend saving several months of expenses as a safety net. We use that same idea to set your target.

We calculate this with your linked accounts by adding up cash in your checking and savings, and money in other easy-to-access accounts.

You can’t spend a house. A cash cushion needs to be money you can use right away.

Yes. If something isn’t linked or doesn’t look right, you can manually add or edit your accounts. We’ll use your update the next time we calculate your number.

Your number gets smaller. Spending less each month lowers how much you need saved to cover the same amount of time.

No. This number leaves out taxes you may owe, fees your accounts charge, and other income like Social Security or a pension.

Yes. It changes when you save more, spend more or less, or your monthly costs change. We update it each time your accounts refresh.

No. This is information to help you learn and plan. It is not investment advice, tax advice, or legal advice.

Wellthi is not a registered financial adviser. We don’t tell you what to do with your money.

For big money choices, talk to someone who is licensed to advise you.

Sometimes. If we show you a product, we may earn a fee. When that happens, we’ll tell you.

Generational Wealth

What is this number?

It’s how much more money you need so that you never have to work again if you don’t want to.

Because it has to last a long time.

This isn’t what you spend in one year. It’s enough to cover decades without a paycheck. That adds up fast, which is normal. Wellthi’s job is to help you find ways to save and spend smarter so that you can close the gap between the money you have now and the money you need to save to reach your generational wealth goal.

Money researchers have a rule of thumb. It says you can take out about 4% of your savings each year and not run out.
If you can only take out 4% a year, you need about 25 times what you spend in a year. That’s where the 25 comes from.
Not everyone agrees on 4%. Some experts say 3.9%. Others say 4.7%. We use 4% because it sits in the middle.

We calculate this with your linked account by adding up:

  • Cash in your checking and savings
  • Money in your investments
  • Money in your retirement accounts
  • Your assets and liabilities

Then we take away what you owe, like credit cards and loans.

We don’t count your house as money you have. You can’t spend a house.
But if you turn on the mortgage setting, we do count what you still owe on it. You can turn that setting off.

Yes. If you want your home’s value included, you can manually add your home equity. Turning this on will count it toward your number.

Your number gets smaller. A lot smaller.
Every $100 a month you stop spending takes $30,000 off your target. That’s because we multiply your spending by 25.
Spending less is the fastest way to shrink this number.

No. This number leaves out:

  • Taxes you may owe
  • Fees your accounts charge
  • Social Security or a pension

Your real number could be different because of these.

Yes. It changes when you save more, pay off debt, or spend more or less than before.

We update it each time your accounts refresh.

Yes. If something isn’t linked or doesn’t look right, you can manually add or edit your assets and liabilities. We’ll use your update the next time we calculate your number.

No. This is information to help you learn and plan. It is not investment advice, tax advice, or legal advice.
Wellthi is not a registered financial adviser or wealth management.. We don’t tell you how to invest or make any guarantees. 
The 4% idea comes from published research. It is not a promise about your money.

For big money choices, talk to someone who is licensed to advise you.

Sometimes. If we show you a product or service, we may earn a fee. When that happens, we’ll tell you. Our premium insights feature costs $4.99 per month after the free 30-day trial if you subscribe.

Early Retirement

What is this number?

It’s how much you need saved to retire earlier than usual, without running out of money.

Retiring early means more years without a paycheck, so the number reflects that extra time. Wellthi’s job is to help you find ways to save and invest smarter so you can close the gap between what you have now and your early retirement goal.

Money researchers have a rule of thumb. It says you can take out about 4% of your savings each year and not run out.
If you can only take out 4% a year, you need about 25 times what you spend in a year. That’s where the 25 comes from.
Not everyone agrees on 4%. Some experts say 3.9%. Others say 4.7%. We use 4% because it sits in the middle.

We calculate this with your linked accounts by adding up cash in your checking and savings, money in your investments, and money in your retirement accounts. Then we take away what you owe, like credit cards and loans.

We don’t count your house as money you have. You can’t spend a house.
But if you turn on the mortgage setting, we do count what you still owe on it. You can turn that setting off.

Yes. If you want your home’s value included, you can manually add your home equity. Turning this on will count it toward your number.

Yes. If something isn’t linked or doesn’t look right, you can manually add or edit your assets and liabilities. We’ll use your update the next time we calculate your number.

Your number gets smaller. A lot smaller. Every $100 a month you stop spending takes $30,000 off your target, since we multiply your spending by 25.

No. This number leaves out taxes you may owe, fees your accounts charge, and Social Security or a pension.

Yes. It changes when you save more, pay off debt, or spend more or less than before. We update it each time your accounts refresh.

No. This is information to help you learn and plan. It is not investment advice, tax advice, or legal advice.
Wellthi is not a registered financial adviser. We don’t tell you what to do with your money.
The 4% idea comes from published research. It is not a promise about your money.
For big money choices, talk to someone who is licensed to advise you.

Sometimes. If we show you a product, we may earn a fee. When that happens, we’ll tell you.

Add to Something Specific

What is this number?

It’s how much more you need to save to reach the specific goal you set.

It’s based on the full cost of your goal, not just part of it. Wellthi’s job is to help you find ways to save smarter so you can close the gap between what you’ve saved and your goal.

Only accounts you link and choose toward this goal. That keeps your number focused on this goal alone.

We calculate this using money you’ve saved specifically toward this goal, like a linked savings account or investment set aside for it.

Your number gets smaller. Every dollar you add toward this goal lowers what you still need.

No. This number leaves out taxes you may owe and fees your accounts charge.

Yes. It changes when you save more, or if the cost of your goal changes. We update it each time your accounts refresh.

No. This is information to help you learn and plan. It is not investment advice, tax advice, or legal advice.
Wellthi is not a registered financial adviser. We don’t tell you what to do with your money.
For big money choices, talk to someone who is licensed to advise you.

Sometimes. If we show you a product, we may earn a fee. When that happens, we’ll tell you.

What subscription plans are available?

We offer two subscription plans:

  • Monthly Plan: Billed every month.

  • Yearly Plan: Billed once a year at a discounted rate.

You can subscribe directly through the app by selecting your preferred plan. For iOS users, payments will be processed via Apple Pay, and for Android users, payments will be handled through Google Play.

You can easily manage your subscription directly from the App Settings page. Here, you will find options for the Manage Subscription option that opens Apple or google subscription pages.
Subscription management is also available through Apple or Google:

  • iOS (Apple): You can manage, change, or cancel your subscription in the Settings app under your Apple ID > Subscriptions.

  • Android (Google Play): To manage your subscription, open the Google Play Store, tap Menu, then Subscriptions, and select your subscription.

Yes! You can change your subscription plan at any time through the App Settings or through Apple or Google’s subscription management interface. Any changes will take effect at the end of your current billing cycle.

Yes, once you subscribe, your payment will be processed immediately through Apple Pay or Google Play. If you choose the yearly plan, you will be billed for the full year upfront.

You can cancel your subscription at any time through the App Settings page or directly in your Apple or Google account settings. If you cancel, your subscription will remain active until the end of your current billing period.

If you cancel, you will continue to have access to your subscription until the end of your current billing cycle. After that, your subscription will not renew.

Yes! Your subscription benefits are tied to your Apple ID (for iOS users) or Google Account (for Android users), so you can access them on any compatible device that uses the same account.

If you are having trouble with your subscription, please make sure your payment method is up to date in your Apple ID or Google account. If the issue persists, contact us on our support email.

To update your payment method, go to your Apple ID (iOS) or Google Account (Android) settings and make changes under the payment methods section.

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