Financial planning & wealthtech infrastructure
Unified household management software, headless
Unified household management software holds a client's whole financial life — members, accounts across custodians and tax wrappers, incomes, obligations — as one coordinated, current picture rather than a stack of disconnected tools. Worthune provides it headless: the household is a versioned record your product owns through an API, kept current by aggregator feeds and bulk import, re-projected when anything changes, monitored by drift webhooks that fire the day a stored plan's numbers move, and presented to clients under your brand.
What to look for — whoever you choose
A record that stays true
The failure mode of household software is staleness: a plan computed once and never re-checked. Look for automatic re-projection on change and an alerting mechanism when stored results drift from current rules and balances.
A migration path for the book
You have clients today, in another system. A serious platform offers bulk import with a dry run — the complete error worklist before a single write — and idempotent re-runs, so migration is a controlled loop rather than a leap.
Provable numbers at every layer
When the household view drives client conversations, every figure should carry enough evidence to survive a dispute: what was computed, from which version, on which inputs.
How Worthune answers it
The living household record
One versioned document with optimistic concurrency; PATCH deltas in, projections and strategies re-run, signed webhooks out — computed, updated, decision, drift.
→ see the engine wholeMigration with a dry run
Batches of households with a per-row, per-field error worklist before any write; AI can draft the field mapping, deterministic code executes it.
→ read the import docsUnder your brand
White-label tenant configuration and domain-bound embeds put the whole picture in front of clients as yours; the reference build shows the finished shape.
→ see the solutionWhere this fits: everything above is one platform — calculators & models, planning software, and unified household management, on the same verified engines and one API. How the numbers are made is public: the methodology.
Common questions
What is unified household management?
Holding a client's entire financial picture — every account, income, and obligation — as one coordinated, continuously current record, so planning, monitoring, and client conversations all read from the same truth instead of from disconnected tools.
How is this different from financial planning software?
Planning is a moment; management is the years after it. The same household engine powers both — unified household management adds the living record, aggregator and import feeds, drift monitoring, and the branded client surfaces that keep the plan true over time.
Who controls the client data?
You do. Household records are customer data processed solely to provide the service — never sold, never used to train models — deletable through the API at any time, with your end clients' requests directed to you as the controller of their records.
How do we migrate an existing book of clients?
Through bulk import: batches with a dry-run mode that returns the complete per-row error worklist before writing anything, and idempotent re-runs keyed by your own import key, so re-submitting a corrected batch never duplicates households.
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