The private ledger.

Weltee Personal is built for the principal: one frame that reconciles complicated wealth, answers the questions, and never sells you a thing.

For complicated things.

A house. Listed stock. Vested options. A few angel cheques. An LP position in a fund. Cash in three currencies. You are tired of assembling your own picture from statements.

One picture of everything you own. The options, side by side, tonight, in any language. You take the action alone.

Holdings and net worth. Cash, listed, crypto, property. RSUs, angels, LP stakes. Liabilities, tax, and the plan. Documents vault. Dr. Weltee from your own numbers. Linked NAV from Capital. Connections in Settings.

Act I · The Frame

Reconciled.

In a single currency.

Listed stocks and ETFs, cash accounts, crypto, property, land, angel stakes, private fund positions, equity comp with vesting schedules, bonds, loans made to others, trusts, side businesses, art and collectibles. Everything you own, and everything you owe against them.

Prices and FX refresh automatically. Multiple currencies reconcile into one frame. Every figure carries the day it was last true, so you never doubt what you are looking at.

Act II · The Assistant

Explains the numbers.

Never gives advice.

An assistant that explains your holdings in the language you would use yourself, before it is asked, and picks the conversation up exactly where you left it. It reads your statements, lifts the figures out, and models the scenario. It explains; you decide.

You: “How do my upcoming RSUs affect my cash runway?”

Here is the picture across your holdings. Your RSUs vest next month, adding roughly $140,000 before tax. Allowing for the estimated tax due, your liquid cover holds at 18 months. Property is now 34% of what you own. Shall I run the numbers on the new place?

Act III · Linked Funds

The end of the PDF update.

An LP position that is linked to a fund on Weltee updates itself the evening the fund publishes. No PDF parsing, no re-keying into a spreadsheet. The numbers flow straight from the GP's ledger to yours.

Weltee Capital Fund I, last published Q2 2026 at $1,315 per unit: $657,500 valuation on 500 units, $425,000 paid in, $51,000 returned.

Act IV · The Archive

The context, kept close.

Documents sit beside the holdings they describe. No more digging through nested folders or five-year-old emails. The assistant reads them, lifts the figures out of forty pages of statement, and spares you the typing.

Act V · The Ledger

Ready for the tax return.

All year round.

Income and cashflow, liabilities, whatever falls due next. Clean reports and simple downloads: a complete record of the year, so your accountant is handed the truth instead of a shoebox.

Act VI · The Way In

Open the sample account.

Weltee is invite-only for now, but the sample account is open today. No sign-up, no details, nothing to cancel. The real interface, the real assistant, an invented portfolio. Decide in a minute whether this is where yours belongs.

Agents

On the page you are already on.

Agents turn on and off in Settings. They are not a separate home. Dr. Weltee answers questions from the book. Briefs can write on the page you have open. You keep the decision.

How it is built

The technical picture.

A single-principal ledger. Holdings keep their own currency and reconcile into the frame. Linked Weltee funds write NAV and calls onto the position. Connections write into cash, holdings, income, or private. This seat does not run a fund or a company close.

On the seat

Audience
One principal. Not a day-to-day spending app.
Frame
Net worth in one currency. Every figure carries the day it was last true.
Public markets
Listed equity, ETFs, funds, and bonds with live prices.
Private
Angel cheques, company stakes, and LP positions, including funds that publish on Weltee.
Equity comp
RSUs, options, and ESPP with vesting.
Property
Value, equity, rent, and cap rate.
Assistant
Dr. Weltee. Questions about your own numbers, in any language.
Vault
Statements and contracts beside the holding they describe.
Reports
Advisor-ready summaries and a net-worth statement you can hand over.
Not this seat
Not a fund GP desk. Not a company close. Those are Capital and Startup.

What is Weltee Personal?

Weltee Personal is a private ledger for a principal. It reconciles listed markets, cash, crypto, property, equity compensation, angel stakes, private funds, liabilities, income, and the vault of documents beside them. It is built for one person who owns complicated things, not a day-to-day spending app.

Who is it for?

A principal: someone whose picture includes a house, listed stock, vested options, a few angel cheques, an LP position, and cash in more than one currency. If a bank app is enough, this seat is more than you need.

Does Weltee Personal give investment advice?

No. The assistant explains the numbers on your seat. It does not tell you what to buy or sell. Weltee is a record-keeping and education tool, not a robo-advisor and not a broker.

How does the assistant work?

You ask in any language. It answers from the holdings, documents, and linked fund pages on your seat. Agents, turned on in Settings, can write a short brief on a page you are already on. The model only answers to you.

How do fund updates arrive?

If a fund on Weltee Capital publishes a quarter, a linked LP position on Personal moves that evening: NAV, called, distributed, unfunded. No PDF to re-key. Capital calls appear as money owed beside the cash that has to answer them.

What can I connect?

From Settings: Google Sheets, Excel, Mercury, Stripe, Wise, Interactive Brokers, QuickBooks, and Xero. Official APIs. You tick every book the rows should update. Defaults follow the seat. The connection stays on until you turn it off. Mercury is the operating bank.

Is my data used to train a product for someone else?

No. Numbers stay on your seat. Nothing here is sold, and nothing is shared to make a product for someone else.

How do I try it?

Open the personal demo. A complete sample account, no sign-up. The real interface and an invented portfolio.

Become Weltee.

Personal is the ledger: holdings, tax, plan, vault. Capital is the fund: dealflow, portfolio, LPs, a quarter you publish once. Startup is the close: locked actuals, a 13-week plan, Friday's pack. An assistant that answers from those numbers.

Hyper-personal by design. Counsel once kept for the few.

Your life, ledger, fund, company, home, and art in one place.

Personal is the ledger: holdings, tax, plan, vault. Capital is the fund: dealflow, portfolio, LPs, a quarter you publish once. Startup is the close: locked actuals, a 13-week plan, Friday's pack. An assistant that answers from those numbers.

Three seats

The ledger, the fund, and the close.

What sits on each seat.

Personal is the ledger: holdings, tax, plan, vault. Capital is the fund: dealflow, portfolio, LPs, a quarter you publish once. Startup is the close: locked actuals, a 13-week plan, Friday's pack. An assistant that answers from those numbers.

Weltee Personal. One picture of everything you own. The options, side by side, tonight, in any language. You take the action alone. Holdings and net worth, Cash, listed, crypto, property, RSUs, angels, LP stakes, Liabilities, tax, and the plan, Documents vault, Dr. Weltee from your own numbers, Linked NAV from Capital, Connections in Settings.

Weltee Capital. Friday's LP update in one publish. Dealflow, IC memo, NAV. Every LP sees the same number the same evening. No PDF to re-key. Dealflow and IC memos, Portfolio and KPIs, LP roster, calls, distributions, Publish a quarter once, NAV on Personal that evening, Exit waterfall, The fund's own raise, Connections in Settings.

Weltee Startup. Friday's pack from the books: cash, burn, and runway, not a slide you typed twice. Investors open a link with no login, and the same update lands in the fund portal. Cash, burn, runway, Lock actuals, 13-week cash plan, Cap table and the raise, Friday's pack, link, no login, Agents in Settings, Connections in Settings.

Why

Finance is a skill everyone should have.

No longer a craft you hire.

One picture. The options, side by side. You take the action.

I. One point of truth. One number, carrying the day it was last true. The holding, the fund, and the company read the same figure.

II. See the options. Both versions, side by side, before you move. Cash against the house. NAV against the call. Runway against the raise.

III. Take the action. The assistant explains. You decide. No one has to build the picture for you first.

How · The loop

Entered once.

True on every page.

The founder files their month. The fund publishes its quarter. Every investor's own Weltee moves the same evening. Nobody retypes anything. Nothing waits for the next PDF.

The founder files: ARR $4.6M, Kavak Labs · July. Friday's pack from the books. Investors open a link with no login.

The fund publishes: $1,315, NAV per unit · Q2 2026. Once. Every LP sees the same number the same evening.

The investor page moves: $657,500, 500 units · that evening. $425,000 paid in · $51,000 returned · 0.12x DPI.

The fund publishes Q2 at $1,315 a unit. That evening every linked investor sees $657,500 on 500 units, beside $425,000 paid in and $51,000 already returned. One publish. No attachment, no re-entry, no email that begins “as of last quarter”.

The obligation

Travels the same wire.

Good news moves easily. What actually costs people money is the bill that arrives at one seat and has to be answered from another. Under one roof, the notice and the cash are already on the same page.

The fund calls $37,500 for Q4 follow-on reserves, due 30 September. It appears on the investor's fund page as money owed, beside the $425,000 already paid against a $500,000 commitment and the cash that has to answer it.

How · A private conversation

Ask anything.

Get an honest answer.

Type the question you actually have, in any language. See both versions. The decision is yours.

You: “Is now the right time to angel into Ashmere Bio?”

Here is the picture across the book. Listed tech and software already sit at about two fifths of what you own. A $250,000 cheque into Ashmere would land in a different niche, and that is the useful part: the book is light on life sciences. Three things to sit with. Angels are already 6% of the book, and four of the six names have not marked in a year. After the cheque, liquid cover is about 11 months if the September lock-up stays shut. Ashmere is pre-revenue, the round is a 2.4x on a friends-and-family that closed eight months ago, and there is no lead. The diversification is real. The price and the timing are the part to weigh. The decision is yours.

Security

There is only one of you.

Built for an audience of one. Yours. The numbers stay on your seat. The model only ever answers to you. Nothing here is sold, and nothing is shared to make a product for someone else.

What · On the page

Everything you own.

On one page.

The house, the options, the fund stakes and the debt in one frame, in one currency, each carrying the day it was last true.

Run the fund where your LPs already live. Dealflow, IC memos, NAV. Publish once. Every LP's Weltee updates itself.

  • Stocks
  • Stock options
  • Property
  • Startup bets
  • Private funds
  • Venture stakes
  • Bonds
  • Cash
  • Crypto
  • Loans you've made
  • Land
  • Trusts
  • Side businesses
  • Art & collectibles
  • What you owe
  • The dull bits

Become Weltee

The rest is quiet.

Invite-only for now. Create an account and we'll open the door. Your money and your data remain yours alone.