The bilingual finance app
built for US households.
Forward your bank emails and let AI categorize every expense. Plan your retirement. Export to TurboTax. A money manager that speaks English and Spanish natively, with 13 languages in total.
Plaid sync with 12,000+ banks
Product preview
See what you'll get
A look at the product screens.
Retirement Planner
Project your nest egg with the 4% rule. Asset allocation by age.
Bilingual Budget
Switch English ↔ Spanish in one click. Same data, your language.
Want to see more before signing up? Read about Wälo
Budgets, debt, retirement, taxes.
All in one bilingual app.
Plaid bank sync is still coming soon. Here is what works today.
Bank sync via Plaid
12,000+ US banks: Chase, BoA, Wells Fargo, Capital One, Amex, and the rest. Read-only. Never store credentials.
AI assistant + receipt OCR
Forward your bank emails, scan paper receipts. AI extracts payee, amount, date. Categorizes automatically.
Retirement planner + 4% rule
Project your nest egg with FV compound. Asset allocation by age. Required savings to hit your goal.
TurboTax export (.TXF)
IRS categories (Schedule A + C). Export your deductible expenses straight to TurboTax as a .TXF file.
Credit score monitoring
Coming soon: your FICO 8 score from soft pulls, with the positive and negative factors and no impact to your score. Not live yet.
Multi-currency native
Hold accounts in USD + MXN + EUR + CRC + 20 more. Daily FX rates. Perfect for expats and immigrants.
How we stack up
Apples-to-apples vs the top 4 US finance apps.
| Feature | Wälo | Monarch | Copilot | YNAB | Empower |
|---|---|---|---|---|---|
| Bank sync (Plaid) | Coming soon | ||||
| Bilingual UI auto-detect | |||||
| TurboTax .TXF export | Partial | ||||
| Retirement planner | |||||
| Fee analyzer | Partial | ||||
| Deep debt management | Best | Medium | Low | Different focus | Medium |
| Email + OCR receipt import | |||||
| Multi-currency (24+) | |||||
| AI chat with context | |||||
| Annual price (USD) | $79 | $99 | $95 | $109 | Free |
Comparison based on public pricing and feature listings as of April 2026. Empower is free but monetizes via wealth advisory upsells.
Built for people we wish had Wälo
Real profiles we obsess over, not generic personas.
Hispanic Americans (65M)
Use Wälo in Spanish, share with English-speaking partners in their language. Track sends to family back home in their currency.
FIRE community
Project your retirement with the 4% rule, fee analyzer flags expense ratios over 0.5%, asset allocation suggestions by age.
Freelancers / Schedule C
Categorize expenses by IRS category. Export TXF directly to TurboTax. Save hours every April.
Expats & digital nomads
Track accounts across US, EU, Canada, LATAM. Daily FX rates. UI in your preferred language.
Simple pricing.
Built to be cheaper than Monarch.
14 days of Premium free. No credit card required to start.
Free
Try it forever, no card required.
$0/forever
- Manual transaction import
- Up to 3 accounts
- 500 transactions in total
- Basic budgeting
- CSV export
- AI chat (limited)
Premium
Everything you need, all in.
$9.99/month
$79/year — save 33% · cancel anytime
- Bank sync via Plaid Coming soon
- Email + OCR receipt import
- Unlimited accounts & transactions
- Retirement planner & fee analyzer
- TurboTax TXF export
- Credit score monitoring Coming soon
- Deep debt management tools
- Multi-currency (24 currencies)
- Priority support
No card required · auto-cancel after trial
Questions, answered
Ready in 60 seconds.
Sign up. Forward your bank emails. See your full picture in your preferred language. Done.
Bank-level security · Read-only access · Cancel anytime