Why this exists
Households with money in more than one country are told, repeatedly, that their position is understood. It usually is not. A bank sees the part it holds. An accountant files one jurisdiction. A scheme administrator answers only about itself. Nobody holds the whole picture, and the person who ends up doing that job is whoever built the wealth — in a spreadsheet only they can read.
KinnWealth is an attempt to hold that picture honestly: what you own and owe wherever it sits, what it supports year by year, and what passes on and to whom.
The rule we hold ourselves to
Every number on screen traces to a dated published source, or it is not shown.
Where an authority publishes a figure, we serve that authority’s figure, with the page it came from and the date we read it. Where an authority publishes nothing for your situation, we say so by name and leave the gap open. We do not fill it with a plausible number.
That is easy to write on a page and expensive to keep.
What that costs, concretely
Every household gets a plan, wherever it lives — one world model that holds regardless of country, and is labelled as a model rather than a forecast. Where we have gone further and encoded a country’s statutory rules from the authority that publishes them, the plan uses that instead.
The discipline has a price and we have already paid it twice: a pension projection we had built and shipped is turned off while a legal question about serving it is answered, and sixteen coverage claims were reduced the week we found they had run ahead of the engine. Balances were never affected — only what we were willing to claim about them.
Who it is for
A household deciding what to do with its own money — and, later, the adviser or regulator who reads the same figure and has to be able to check it. Those two readers want the same thing, which is why we design for both without writing two products.
What we will never do
- We never hold, move or invest your money. There is no way to pay in or take out investments here.
- We never offer investment products, and we never approach you to promote one.
- We never show ads, and we never make money from your data.
- We never read your balances or personal details. The key is made on your device and never reaches us.
The only money that changes hands is the subscription payment. KinnWealth is a planning tool — nothing here is financial advice.
Where your data lives
Your locked records are processed in Singapore, under PDPA in Singapore and PDPO in Hong Kong.
Where we are right now
KinnWealth is in private preview. Sign-up is not open, paid plans are not open, and we are talking to a small number of households before either changes. Everything on this site is readable now precisely so that the first conversation does not have to start with an explanation.