Founding member pricing — Pro locked at $9.99/mo. Goes to $14.99 when we leave beta. Lock in your price →
AI-powered · Bank sync by Plaid

Stop guessing.
Know exactly where
your money stands.

Meet Wally — the AI that reads your real income, spending, and debt before answering. Not generic tips. Your money. Your answers.

Meet Wally — It's Free →

Free forever · No credit card · ⚡ 2 minutes to connect your bank

🔒 256-bit encrypted 👁 Read-only access 🏦 12,000+ banks
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Meet Wally — Your AI Financial Advisor

Other AI money apps give you charts.
Wally gives you answers about your money.

Most AI gives you the same generic advice it gives everyone. Wally reads your actual transactions, income, debt, and savings first — then reasons through your specific situation. It's the difference between a brochure and a conversation with a knowledgeable friend.

Wally provides financial analysis and clarity — not licensed financial advice. For major decisions, consult a qualified advisor.

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Wally
● Online · Reading your real data
Wally uses your real financial data
Talk to Wally — It's Free →
What people are saying

Real people, real results

★★★★★

"I was sitting on $9,400 in credit card debt and honestly thought I'd be stuck with it forever. But Wally helped me realize I was basically throwing away $340 a month on random things and eating out way to much. Once I cut that stuff out, I actually started to chip away at my balances."

— Marcus, Tampa
★★★★★

"Honestly, I thought I was barely spending anything on subscriptions. Then I joined Walify and realized I was dropping $213 a month on 11 different services—I didn't even remember half of them. I cancelled 7 of them right then and there. Saving $1,500 this year just by doing that is wild."

— Priya, Austin
★★★★★

"I'm 26 and honestly used to be totally clueless with my money. I'd just check my bank app, see the balance, and get hit with instant anxiety. Wally finally showed me where my money was actually going and helped me set a goal I could actually stick to. I've already built up a $4,200 emergency fund in just 3 months!"

— Jordan, Chicago
Personal finance AI — everything in one place

Every personal finance tool you need to feel in control

Most people don't have a money problem — they have a clarity problem. Walify's AI budgeting app fixes that.

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Your banks, automatically synced via Plaid

Connect once via Plaid and your transactions show up categorized and clean. No more manual imports, no more guessing what hit your account.
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Wally — AI financial advisor that knows your situation

Ask anything. "Can I afford this?" "When am I debt-free?" "Where's my money going?" Wally reads your data, then answers. Powered by Claude Opus 4.6.
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12 financial reports that actually explain things

P&L, net worth, FIRE projections, tax summary — the same reports an accountant would run, without the hourly rate.
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Debt payoff optimizer — a real plan to eliminate debt

Pick avalanche or snowball. Walify calculates your exact debt-free date, total interest saved, and the monthly payment that gets you there fastest.
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AI budgeting that warns you before it's too late

Set limits by category and get notified when you're trending over — not after you've already blown the budget.
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Runs everywhere, installs anywhere

Use it in your browser or install it as a native app on your iPhone or Android. Your finances travel with you. Plus get Wally's monthly Financial Check-In email — spending shifts, savings rate, and one thing to change.

Ready to see your numbers clearly?

Start Free — No Card Needed →

Takes 2 minutes · 2,400+ people already tracking

Personal finance tracker — on your phone, on your desk, everywhere

Your AI money app, accessible
wherever you are.

Walify works in any browser and installs as a native app on iOS and Android. Everything syncs instantly — open it on your laptop, pick it up on your phone.

✓ Instant sync across all your devices
✓ Add to your home screen on iPhone & Android
✓ Ask Wally a quick question from your phone
Walify personal finance AI app on iPhone — AI budgeting and bank sync on mobile
walify.ai
Walify AI money app on desktop — personal finance tracker with bank sync and spending reports
Walify AI app — see it in action

Every personal finance tool you need. Nothing you don't.

Clean, fast, and designed to give you real answers at a glance — not drown you in data. The AI budgeting app that does the work for you.

Your Money at a Glance
Walify AI financial advisor app dashboard — net worth, spending KPIs, and AI budgeting overview
Every Transaction, Organized
Walify personal finance tracker — categorized bank transactions synced via Plaid with monthly spending totals
Reports That Actually Mean Something
Walify financial reports — P&L, balance sheet, cash flow, FIRE calculator, and net worth projection
Budgets That Keep You Honest
Walify AI budgeting app — set spending limits by category, track progress, and get alerts before you overspend
Wally Spots What You Miss
Wally AI financial advisor insights — spending spike alerts, savings opportunities, and personalized budget suggestions

← Scroll to explore →

Walify by the numbers

More insight than a spreadsheet.
Less cost than a human financial advisor.

12+
Financial reports — P&L to FIRE to net worth
2,400+
People already tracking
$0
To get started — free forever
~$300
Avg monthly savings found by Wally users
AI financial advisor app pricing

Free to start. $9.99/mo to go all in.

No credit card. No trial period. Free means free. Upgrade to Pro for unlimited AI conversations with Wally, all 12 reports, and every personal finance tool.

Monthly
Annual Save 20%
Free
$0/mo
Real tools, no card required — use it forever
  • Manual income & expense tracking
  • Budget tracking & goals
  • Debt payoff optimizer
  • 1 bank connection (Plaid)
  • 5 AI conversations/month with Wally
  • 3 financial reports
  • Subscription & bill tracker
Start for Free — No Card
Best Value
⏰ BETA PRICE — LOCKS IN FOREVER
Pro
$9.99/mo
Unlimited AI · All banks · Every report · Full power
  • Everything in Free, plus:
  • Unlimited bank connections
  • 50 AI conversations/day with Wally
  • All 12 financial reports (FIRE, net worth, P&L, tax)
  • Business mode (separate books)
✓ 30-day money-back guarantee
Get Pro — $9.99/mo →

See full feature comparison →

🔒 Cancel anytime · Bank credentials never stored · Plaid read-only access · Your data stays yours

Walify FAQ

Common questions about Walify's AI financial advisor

Walify connects via Plaid — the same bank-linking technology used by thousands of financial apps. It's read-only: we can see your transactions and balances, nothing else. We cannot log into your bank, initiate transfers, or touch your money. Your username and password never touch Walify's servers, ever.
Wally is powered by Claude Opus 4.6 — one of the most capable AI models available — with adaptive thinking enabled. That means before it responds, it reads your actual transaction history, income, expenses, and debt, then reasons through your specific situation. It's not keyword matching or scripts. It genuinely thinks about your question in the context of your real financial data.
Not at all. Bank sync is optional. You can use Walify entirely by entering transactions manually — the Free plan fully supports this. Plaid bank sync is available on Free (1 connection) and unlimited on Pro, but it's always your choice.
Plaid supports 12,000+ financial institutions — Chase, Bank of America, Wells Fargo, Capital One, Citi, US Bank, and the vast majority of credit unions. If your bank has online banking, it almost certainly works.
The Free plan is genuinely free — no credit card, no 14-day trial, no expiry. You get manual tracking, budgeting, goals, debt optimizer, 3 reports, and 5 Wally AI conversations per month. The only catch is you want to use it more. Pro ($9.99/mo) unlocks unlimited banks, 50 AI conversations/day, all 12 reports, CSV/PDF import, and business mode.
Yes — cancel in one click from the billing portal, no phone calls required. If you cancel, you stay on Pro until the end of your billing period, then drop to Free. Your data is never deleted. You can export everything anytime from Settings → Backup & Restore.

Stop guessing about your money.
Your AI financial advisor is ready.

It's free to start, takes two minutes to connect your bank, and Wally — your personal finance AI — is waiting to answer your first question.

Try Walify Free — No Card Needed →