Solving a common problem

Use the exact symptom below and perform the checks in order. Before repairing a file or replacing a value, make a copy of the relevant .mywealth file.

1. “The file cannot be opened”

Check the file's full name and .mywealth extension.
Copy the synchronised or received file to a local folder, then open the copy.
For an encrypted file, check Caps Lock and the keyboard layout before entering the password again.
On desktop, find the .bak files beside the document. Copy one and rename the copy with the .mywealth extension.
On smartphone, select the document again in the picker if the provider permission has expired.

An opening error does not replace the wealth file that is already open.

The file requires a newer version of My Wealth

If My Wealth says the file uses a newer .mywealth container, update the application and then try opening the file again. The installation and update guide explains the steps for your system and installation format. Keep the file intact and retain a copy: this refusal protects data from being read by a version that does not yet understand that container. It does not mean the file is corrupt. Older file formats that remain supported are still readable.

2. “Saving failed”

On desktop, try Save as in a local folder where you can create a file. If this succeeds, the problem probably lies with the previous destination. On smartphone, check the document provider, then choose a new permanent location. Do not overwrite the old copy until you have reopened the new one.

3. “Partial result” or “Exchange rate required”

Open Checks and identify the affected result, the two currencies and their direction.
Use Enter rate or open Properties > Exchange rates.
Replace the 0 rate with the value of one unit of the source currency in the target currency.
Apply, then return to the view.

If the total remains partial, a second pair may be missing. An update with My Wealth LIVE may also complete available conversions.

4. A transfer cycle prevents budget calculation

Open Checks to identify accounts sending their surplus back to one another. Use the suggested action to find the transfer, then remove the loop or arrange transfers in one direction. Affected calculations remain incomplete while the cycle exists.

5. A ranking requests a rate although the portfolio is in USD

With the 1.7.6 references, rankings use USD directly and nine bundled statistical rates. They no longer request a USD-to-EUR conversion solely for this feature. If Checks still reports a conversion, check assets and liabilities actually denominated in another currency. For a currency outside the ten covered, use the conversion action offered in the ranking.

6. An asset is not updated by Live

Open the asset and check that it has a LIVE identifier matching the correct market and currency. Run Refresh prices again and read the final summary. An asset created manually without a compatible source must be valued manually; its existing value is not replaced with zero if an update fails.

7. The local AI assistant does not start

On Windows, the local AI assistant uses a model installed in the My Wealth settings.

Under Settings > Local AI, check that an installed model is selected.
Under Properties > Artificial intelligence, enable viewing for this wealth file.
Close applications that use a lot of memory.
In the model settings, try CPU only to distinguish a graphics issue from a model issue.
If the selected backend fails, choose Automatic (recommended) to try CUDA, Vulkan and then CPU, or manually select another backend.
For CUDA or Vulkan, use Determine automatically in custom mode. If calibration fails, the previous setting is retained; reduce the number of layers or use the CPU.
If the previously selected model is no longer installed, choose a model available in the catalogue or reinstall the corresponding level.

Automatic mode may reach the CPU after trying the GPU backends. The first start is then considerably slower without being a failure. A manually selected backend does not silently switch to another one.

8. The AI catalogue no longer offers an already installed version

This is expected: installed level/version pairs are removed from the available offers. Other compatible versions remain visible, even if a newer version of the same level is installed. Distinguish a list with no new offer from a network error message.

9. An MCP application cannot see the wealth file

Check that the server reports Running, a wealth file is open, and Allow viewing via MCP is enabled in its properties. If you replaced the token, copy the new configuration into the client application.

10. “My wealth appears to be counted twice”

A holding account has no value of its own: it organises items and can carry their ownership. Instead, look for an asset created twice, an account present in two families, or a quantity and total value entered instead of a quantity and unit price. A current account, savings account, or property should be created only once as an asset.

11. ‘The file on my smartphone does not contain my latest change’

Check that saving has finished on the first device and your file provider has completed synchronisation. Do not edit the same wealth file simultaneously on several devices. If a conflict copy has been created, keep both versions until you have identified the latest one.

12. “My net wealth does not match the expected result”

Check the value and currency of assets, the outstanding principal of liabilities, and the required exchange rates. A liability represents the outstanding principal and must not replace the value of the financed property.

13. Reporting the problem

Use the available reporting action in help or settings. Provide your My Wealth version, operating system, the exact action, the full message text and whether the problem also occurs with a copy of the file. On Linux, also specify your distribution and installed format: AppImage or .deb.

Attach the wealth file only after checking its contents and only if you explicitly agree to transmit this data. For an AI or MCP problem, attach the diagnostic logs offered by the application instead.