Wälo
Features

Core Operations

  • Zero-Based Budget
  • Goals & Automatic Savings
  • Credit Card Management
  • Loans & Debt Control
  • Investment Portfolio

Ecosystem & Analytics

  • Big Data & Reports
  • Families & Sub-businesses
  • Multi-Currency Support
  • AI Bank Reconciliation
  • Liquidity Calendar

Security & Utilities

  • Data Sovereignty (Local)
  • Receipt Manager (OCR)
  • Tax Deductibility
  • Subscription Canceller
  • AI Logic Rules
Featured

Automatic Import

No direct bank sync. AI classifies your invoices straight from email.

Resources

Learn

📚 Finance guides📖 Glossary

Decide

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Tools

🧮 Free calculatorsEducation & Guides
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Providers AccessSign In
Coming soon
Private Hybrid Architecture

Your money, on your device. Offline and Encrypted.

We are building a mode in which your database lives only in your browser. It is not available yet: today your data is stored in our cloud, encrypted and isolated by household with Row-Level Security.

Real Data Sovereignty

  • Offline Option (LocalFirst) Coming soon

    When it's ready, you'll tap "Local Only" in Settings and the app will stop calling the server to save to your browser's memory. Today that switch does not yet change where your data is stored.

  • Export your data

    Your data is yours: download your transactions as CSV or PDF whenever you want, and your tax report as CSV or TurboTax (.TXF).

  • Cloud isolated per household

    Today your data lives in our cloud and each household is isolated with Row-Level Security: a query can only return your household's rows, never another's.

Take Control of Your Data
Preview · coming soon
Storage Preferences

Cloud Server (Cloud)

Automatic, multi-device and with backup.

Local Encrypted Vault

Secure IndexedDB. Your own risk. Maximum privacy.

✓ Database migrated and disconnected from the server.

Manual: Local Storage (coming soon)

This is how it will work once it's available. It isn't yet: today your data is stored in our cloud.

Step 1

Go to the Vault Selector

In 'Settings > Privacy', turn on the 'Local Vault Only' switch. Once the mode is available, from that moment on Wälo will stop using the Postgres and Supabase APIs in the cloud.

Step 2

LocalStorage / E2E Storage

Once available, your data will live exclusively inside your physical computer in that browser (IndexedDB) or be encrypted end to end so that only you hold the private key. Your secrets are sealed.

Step 3

Manual Backups Required

Since we have no access to your Vault, if you uninstall the browser or your hard drive fails you will lose access. You will be responsible for exporting your data and keeping it somewhere safe, like a USB drive.