Questions and answers

Yes. Wally has no subscription, no paid tier, no in-app purchases and no ads. Every feature is free for everyone: budgets, unlimited wallets, 150+ currencies, recurring payments, charts, profiles, sync between Android and iPhone, automatic expense import and the ChatGPT and Claude connector.

Wally is an independent app made in Latvia. It does not make money from you: there is nothing to buy in the app, it shows no ads, and your financial data is never sold or used for advertising.

No. There is only one version of Wally, and it is the full one. Nothing is locked, so there is no trial that ends.

No. Install Wally and start adding expenses; your records stay on your phone. Sign in with Google only if you want sync between devices and a backup in your Google Drive.

Yes. Wally runs on Android 7.0 or later and on iOS 16 or later. Use the same Google account on both phones, and the same budget, wallets and history appear on each of them.

English, Russian, Ukrainian, German, Spanish, French, Portuguese (Brazil), Turkish, Latvian, Estonian, Indonesian and Hindi.

Yes. Records are saved on the phone, so you can add and view them without internet. Sync and fresh exchange rates need a connection; they catch up the next time you are online.

Not with a bank login. Wally never asks for your bank password and does not use open banking. Instead, on Android it adds purchases from the notifications of the banking app you connect, and on iPhone it records Apple Pay payments through a Shortcuts automation. Both happen on your phone. How notification import works.

Any banking app that shows a notification with the amount for each card payment. After you allow notification access, Wally lists the banking apps it has seen on your phone. It knows the exact notification format of Swedbank, SEB, Citadele and Luminor in the Baltics and of Revolut, Wise and N26, and reads other banks with a general parser. If your bank sends no notification for a payment, turn payment notifications on in the banking app.

You create one automation in the Shortcuts app. Each time you pay with Apple Pay, it passes the amount, merchant and card name to Wally, and the expense appears in your wallet even while Wally is closed. It works for contactless Apple Pay payments at a terminal. Shortcuts also runs on a declined payment, so delete such a record by hand. Step-by-step setup.

No. Notifications are read on the phone and their text is never sent anywhere or stored on a server. Wally reads only the notifications of the banking app you connect and ignores chats, codes and other apps. Categories for imported purchases are picked on the phone too, from a built-in list of shops and your own past choices.

Yes, as many as you need. A budget can be weekly, monthly, yearly or for your own dates, and cover one or more categories or all spending. Wally warns you when spending gets close to the limit and when it reaches it.

As many as you like: cash, cards, savings or crypto. Each wallet has its own currency, and transfers between wallets are converted automatically.

More than 150 world currencies and cryptocurrencies such as Bitcoin. Exchange rates update automatically, so totals across wallets in different currencies add up in your main currency. Keeping a budget in several currencies.

Yes. A recurring record repeats every day, week, month or year, for example on the 1st of each month or on the last Friday, and Wally adds it on its date.

Yes, with profiles. Each record belongs to a profile, such as you, your partner or your business, and Home and History can show one profile or all of them together.

On your phone. If you turn on sync, Wally keeps an encrypted copy (AES-256) in a hidden app folder of your own Google Drive, which Wally alone can see; it reads no other Drive files. No Wally server stores your financial records.

Usage statistics and crash reports only if you allow them: Wally asks before collecting them, and the answer can be changed in Settings → Legal. Then it uses Firebase Analytics for pseudonymous feature events and Crashlytics for crash reports, as described in the Privacy Policy. It does not sell personal financial data or use it for advertising or cross-app tracking.

Yes. Settings → Export and import creates a password-protected backup file that you can save or share and import on another phone, merging it with existing records or replacing them. The file uses Wally's own format, not a spreadsheet.

Delete your account in Settings. That removes your records from the phone and the backup from your Google Drive.

Yes, for free. Connect the “Wally: Budget Tracker” connector with the Google account you use for sync, then ask how much you spent or add expenses, income and transfers in the chat. How to connect.

Wally is made in Latvia by independent developer Aleksandrs Vozņarskis. Its official name is Watch My Wallet. Questions and ideas go to support@watch-my-wallet.com.

For budgeting, yes. Mint shut down in March 2024. Wally covers budgets, categories and spending charts for free and adds purchases automatically without a bank login. It does not track credit scores or investments. Wally as a Mint alternative.

YNAB has no free version and costs $109 a year; Spendee's free plan has one wallet and one budget. Wally gives budgets, wallets, sync and automatic import for free. See the full comparison.