For freelancers & solo professionals
Wertmehrkeit connects project gaps and liquidity fluctuations with an AI system that continuously analyzes business surpluses and invests according to your individual risk profile.
The platform evaluates cash flow patterns, market data and your previous decisions in real time - visualized as an ongoing risk and return curve instead of a one-off forecast.
Start analysis nowFreelance income varies depending on the project situation. Anyone who also has to evaluate market data and make investment decisions between customer meetings carries an additional cognitive load that rarely appears in the calculation.
Manual portfolio review costs time that could otherwise be billable and often leads to delayed or emotionally driven decisions.
Wertmehrkeit handles ongoing monitoring of market movements and personal cash flow. The system does not suggest blanket investments, but rather adapts positions to the actual liquidity situation and the learned risk profile.
Average time spent per week
< 15 mins
for reviewing and approving automated suggestions, instead of manual market analysis.
Methodology
The process takes place in three successive phases and becomes more precise with each new data situation.
Business accounts, project income and existing depots are securely connected. The platform uses this to create an ongoing liquidity picture instead of a one-time snapshot.
Predictive models compare your income behavior with market cycles and identify in which phases additional liquidity can be sensibly invested.
Based on the recognized patterns, the system adjusts position sizes in real time. Every adjustment remains within the risk limits you define.
Range of functions
Each function is aimed at a specific business benefit – saving time, minimizing risk or improving after-tax returns.
Continuously calculates the loss potential of your portfolio and automatically reduces positions before defined thresholds are exceeded.
Shows scenarios for the coming weeks based on your project calendar and typical seasonal revenue fluctuations.
If there are deviations from the target structure, positions are adjusted without manual intervention, including documentation of every decision.
Highlights transactions that may affect holding periods or loss offsetting as a basis for discussion with your tax advisor.
Transparency instead of testimonials
Instead of customer opinions, we show how it works: what data flows in, where it is processed, and how the model quality is checked.
The model weights historical volatility, current liquidity and your defined risk limit. The specific weighting formula remains protected know-how; the input variables can be viewed at any time in the dashboard.
The data is processed and stored on servers in Germany. Accesses are logged and transmissions are consistently encrypted.
Each model update is first tested against historical market phases before being activated for real portfolios. Results of prior periods are not an indication of future developments.
Wertmehrkeit was designed for freelancers whose income is not the same every month. The architecture takes this into account from the start - instead of basing financial planning on a fixed salary, the system calculates with variable cash flows.
Every model decision is recorded and can be traced afterwards, including for your own tax return or accounting.
Frequently asked questions
The system automatically reduces exposed positions as soon as defined risk thresholds are reached. Complete liquidation does not occur automatically as in many cases this would create unfavorable entry points for reinvestment. Major interventions will be presented to you for approval.
Liquidity shares that you have marked as available for the short term are kept separately from long-term invested funds. Payout periods depend on the respective investment instruments and are displayed transparently before each investment.
Models are regularly validated against independent market data sets to identify systematic biases. Decisions that fall outside of normal patterns are flagged and subjected to manual review before being executed.
There is an ongoing usage fee for access and data processing as well as transaction-related costs that depend on the respective investment products. Both components are shown individually before the contract is concluded.
Yes. Exclusions and preferences are stored in the risk profile and taken into account in every automated decision.
Leave ongoing market observation and risk management to a system that knows your liquidity situation and acts accordingly. The first step is a non-binding analysis of your current situation.