Your entire financial life in one place, automatically categorized by AI. For $9.99/month.
Coming soon: connection with 12,000+ banks in the US, Canada and Europe
Email banks in
Connect Claude, ChatGPT, Cursor or Ollama to Wälo via MCP and ask your AI about your real finances. No password sharing.
No bank sync. No bank passwords. No complex setup.
Just forward the payment receipts that arrive in your inbox. Nothing more.
Our engine with Claude AI reads the email and detects merchant, amount and category automatically.
Your dashboard updates instantly. Spending, budget, goals: everything sorted effortlessly.
Wälo is not just an app, it is a methodology. It flips the paradigm from "see where your money went" to "tell your money where to go" using Zero-Based Budgeting.
Assign every dollar that comes in before the month starts. The goal is for your leftover at the end of the categories to be 0.
Forget tedious manual records. Our AI categorizes your spending so you can focus exclusively on executing your plan.
We closed the last competitive gap of the quarter. This is what your previous finance app probably does not have.
Connect Chase, BoA, Wells Fargo, Capital One, Amex and 12,000+ more banks. Official OAuth, read-only.
Projection with compound FV, the 4% rule, age-based allocation, fee analyzer (alert TER > 0.5%).
IRS Schedule A/C categories + direct .TXF export.
Monthly soft pull without affecting your score. Trend, factors and alert on sudden changes.
Claude + Gemini with real context: they see your budget, AoM, debts and cash flow. Not a generic chatbot.
Auto-detect ES/EN/PT/FR/DE/IT/中文. Android app with biometrics; App Store and Google Play coming soon.
FIRE Retirement Planner, TurboTax TXF, Wälo AI with context, and native Android app (iOS coming soon) — with Plaid Bank Sync and FICO 8 Credit Score coming soon. For $9.99/month — your entire financial life in a single platform.
Forget the manual CSV. Link Chase, Bank of America, Wells Fargo, Capital One, Amex, Discover, Citi, Fidelity, Vanguard, Schwab and thousands more with official Plaid OAuth.
Incremental sync · Cursor delta · 12,000+ institutions USA · CA · EU
For banks that don't have Plaid yet or for your paper receipts, our AI reads emails and photos. The friction of capturing transactions is eliminated entirely.
From: [email protected]
Subject: Purchase approved ****4521
Your card was charged for CRC 8,450.00 at AUTOMERCADO ESCAZÚ on 26-04-2026 14:23.
Merchant
Automercado
Category
🛒 Supermarket
Amount
₡ 8,450.00
Account
TC BAC ****4521
Connect Wälo to Claude Desktop, ChatGPT, Cursor or your local model with Ollama via MCP (Model Context Protocol). Ask "what did I spend the most on this month?" or "how much do I owe on credit cards" and get answers with your real data — without sharing your password or moving information out of Wälo.
You
Where did I spend the most this month?
Claude · via Wälo MCP
In April you spent $3,890. Top 3 categories:
Every end of the month you wonder where your money went. Change the equation. With Zero-Based Budgeting, you give the orders to your money.
Unassigned
$0.00
Month income
$2,750
Credit doesn't have to be an eternal trap. Know the inner workings of your debts and pay them off years before the bank's deadline.
DTI
28%
goal < 36%
Debt-free in
3.8 years
avalanche
Tired of the system assuming things wrong? Build the perfect mental logic for your money and never touch a record again.
In times of cloud hacks, we give you the supreme decision power. Opt out of sending financial data to the server.
Does the app's balance not match the bank's? The reconciliation module lets you cross-check system data against your real statement in minutes.
Invite your partner or partners into the same "Financial Household" and manage the budget collaboratively without losing track of who spent what.
Shared spending this month
$2,450
3 members · budget $3,000
Marco
Admin · RLS per user
Ana
Member · RLS per user
Sofía
Member · RLS per user
You are not just your expenses. Track the growth of your investment funds, term savings, cryptocurrencies and real estate.
Total net worth
$48,720
+3.2% MoM · +$1,520
Stocks
$22.4K
46%
ETF/Bonds
$15.8K
32%
Crypto
$10.5K
22%
Streaming, apps, gym memberships... The system detects recurring patterns and automatically groups charges so you can see the monthly bleed.
Monthly bleed
$63.97
Annual
$768
Netflix
next: May 3
Spotify
next: May 8
iCloud+
next: May 12
Gym
next: May 1
Don't let your digital assets live in isolation. Plug the balance of your cold wallets or exchanges directly into your total net worth.
Crypto balance (Fiat)
$10,500
Unrealized PnL: +$1,840
Bitcoin
BTC · CoinGecko live
$8,245
+4.2%
Ethereum
ETH · CoinGecko live
$2,180
-1.8%
USD Coin
USDC · CoinGecko live
$75
0%
Project how much you need to retire, see if your allocation is right for your age, and discover which funds are eating your returns with high expense ratios.
FV @ age 65
$1.24M
7% real
4% withdrawal
$49,600/yr
safe rate
The only consumer money manager that exports straight to TurboTax with real IRS codes. Save hours of manual re-categorization every April.
Know your score without affecting it. Soft pulls only: zero impact on your real score. Detect changes and understand what caused them before the bank tells you.
742
Very good · +12 pts vs prior month
Utilization
18%
Account age
8.2 years
Not a generic chatbot. Wälo sees your budget, your Age of Money, your debts, your cash flow and answers with your real numbers. It recommends "cover the X overdraft with Y" citing concrete categories.
You
Can I spend $200 on a trip this weekend?
Wälo · your context
Yes, but heads up: your Age of Money dropped to 12d (target >30d). You have $340 leftover in "Leisure" and an overspend of $45 in "Food". Cover that overspend first and go. ✨
The only finance app with auto-detection of browser language and a native Android app (App Store and Google Play coming soon). One account, every platform, synced in real time.
App Store
iOS
Coming soonAPK
Android
AI with context, FIRE retirement, TurboTax, multi-currency and 13 languages — Plaid and FICO coming soon. For $9.99/month.
Direct connection with Chase, BoA, Wells Fargo, Capital One and more in the US, Canada and Europe.
Forward your bank receipts. Claude AI extracts amount, merchant and category in seconds.
Take a photo of a receipt. The AI reads amount, date and merchant automatically.
Chat with real financial context: Claude + Gemini analyze your spending, budget and debts.
4 target types, rollover, cover-overspend, Age of Money and unassigned money in real time.
Project your nest egg with compound FV, 4% rule, age allocation and fee analyzer.
12 IRS Schedule A/C categories. Export straight to TurboTax and save hours every April.
Score monitoring with soft pulls. Trend, positive and negative factors.
Avalanche · Snowball · Snowflake · Consolidation · Payoff Goal + automatic DTI.
Define rules once. The app classifies on its own forever.
Stocks, funds, BTC/ETH/USDC. Live prices (Yahoo + CoinGecko). Consolidated net worth.
Shared household with audit of who charged what. Per-user RLS.
USD, MXN, EUR, CRC, BRL and 20 more. Daily auto FX. Ideal for expats.
ES · EN · PT · FR · DE · IT · 中文. Detects your browser language and adapts.
Install it as an app, get budget alerts and upcoming payments without opening the browser.
Native Android app (direct APK; App Store and Google Play coming soon). One account, every platform.
AES-256, TLS 1.3, household RLS. Your bank credentials never touch us.
Get pre-approved offers from banks and fintechs based on your profile — no spam, opt-in.
Designed from scratch for people and families who want real control, not just spending tracking.
13 languages with auto-detect. The interface, the emails and your advisor Wälo respond in your language — no machine translation.
USD, CRC, MXN, EUR, BRL and 20 more with daily FX. Built for expats, global freelancers and remittances.
Wälo sees your real budget, debts and cash flow. Not a generic chatbot: it recommends with your numbers.
12 IRS Schedule A/C categories and direct .TXF export to TurboTax. Close April in minutes, not hours.
Retirement Planner with the 4% rule, age allocation and a fee analyzer that flags high TER on your funds.
In countries where Plaid does not reach yet, we import via bank email + receipt OCR.
Shared household with per-user RLS. Each member sees only their own, collaborative budget.
AES-256 encryption, OAuth read-only, Local-First mode coming soon. Export CSV/PDF/TXF in 1 click.
Always free
14-day free trial · Cancel anytime
More members than Premium: up to 5 in the same household
Join the people who are already changing their financial life effortlessly. The first 14 days are completely free.
Create my account nowFree 14 days · No card · Cancel anytime
Misma cuenta. Mismos datos. Tu sesión se sincroniza al instante.
En Android habilita la instalación desde fuentes desconocidas para el navegador que descargue el APK. iOS próximamente.
Step-by-step guides, a detailed manual for each module, financial glossary and education for all levels.
7 step-by-step guides from "Getting Started" to advanced debt strategies, banking automation and bulk CSV import.
2 for beginners · 3 advancedExhaustive documentation of every system view. From the Dashboard to the Rules Engine, explained in detail.
28 modules documentedInteractive glossary with real-time search and key concepts: Assets, Liabilities, Net Worth, 50/30/20 Rule, Compound Interest.
Glossary + Financial CultureAlso accessible from the ❓ icon in the corner of every module
If your question isn't here, write to us at [email protected]
Wälo is the personal finance app that reads your bank's emails with AI and automatically categorizes every expense. You forward the emails (direct connection via Plaid is on its way) and Wälo organizes everything: zero-based budget, debts, savings, investments and taxes on a single multi-currency, bilingual platform.
Wälo is the most complete option: 13 languages with real translations, native multi-currency with real-time exchange rates, YNAB-style zero-based budgeting, automatic reading of emails from any bank that notifies you by email, and a lower price than YNAB, Monarch or Copilot Money.
Yes. Wälo replicates YNAB's zero-based budgeting method, replaces Mint (which shut down in 2024), matches the sophistication of Monarch Money and detects subscriptions like Rocket Money — but at a lower price, multilingual, multi-currency and with AI that reads bank emails.
Wälo uses AES-256 encryption, OAuth authentication with Google/Apple and RLS in Supabase; local-first mode, with your database only in your browser, is on its way. We don't sell your data or show ads. In the Opportunities section you can see offers from providers, which are optional: your data is only shared with a provider if you decide to contact them.
Free plan with essential features, Premium for one person and Family for the whole household. 14 days free, no card required. Premium costs less than YNAB, Monarch or Copilot Money. Cancel anytime.
Yes, in most cases. Today Wälo automatically reads your bank's emails with AI, and that works with any institution that sends email notifications, regardless of country. Direct connection via Plaid, with more than 12,000 banks, is on its way.
Yes. Wälo has an MCP server (Model Context Protocol) that lets you connect Claude Desktop, ChatGPT, Cursor or Ollama to your finances with granular permissions and full auditing. ChatGPT and Claude connect by signing in to Wälo, without creating any token. In ChatGPT it's added as a custom connector (requires a paid OpenAI plan). The revocable personal token is only for Cursor, scripts or Ollama.
Yes. You mark deductible expenses, Wälo groups them by IRS category and exports to CSV or TurboTax TXF in one click. Support for Schedule C (freelancers/self-employed), Schedule A (itemized deductions) and more.