New 12,000+ Banks Built-in AI

Your entire financial life
in one place,
on autopilot

Your entire financial life in one place, automatically categorized by AI. For less than $5/month.

Start your 14-day free trial See how it works
No credit card required Cancel anytime
Securely integrated withPlaid · TurboTax · FICO · Claude AI
9:41•••• 5G
Good afternoon
Marco
Total Net Worth
$48,720.18
+$1,520 this month
Assets
$52,910
Debts
−$4,190
April · budget
60% spent
$3,890 / $6,45013 days left
Recent
See all
Starbucks
Today 10:14
−₡4,200
Soda Tapia
Yesterday 13:02
−₡8,500
Uber Trip
Yesterday 18:45
−₡3,900
Anthropic Salary
Apr 25
+$3,200
Home
Accounts
Budget
More
Official bank connection via Plaid

Compatible with 12,000+ banks in the US, Canada and Europe

ChaseBank of AmericaWells FargoCapital OneAmexCitiDiscoverFidelityVanguardSchwab
+ AI email import for LatAm

Email banks in

B
BCR
D
BN
P
+ more soon
The magic that sets us apart

Forwarded. Categorized. Done.

Just forward your bank emails. The AI does the rest.

BAC· 2 min ago
Supermercado BM
₡45,000
🛒 Supermarket
BCR· 1 hr ago
UBER EATS
₡18,500
🍔 Food
Davivienda· 3 hr ago
Esso Gasolinera
₡85,000
⛽ Transport
< 3s
Processing time
98%
AI accuracy
12k+
Banks via Plaid

3 steps. That is all.

No bank sync. No bank passwords. No complex setup.

1

Forward your bank email

Just forward the payment receipts that arrive in your inbox. Nothing more.

2

AI categorizes it for you

Our engine with Claude AI reads the email and detects merchant, amount and category automatically.

3

See your finances in real time

Your dashboard updates instantly. Spending, budget, goals: everything sorted effortlessly.

What our community is saying

Finally organized 💚

"I never thought I could control my spending effortlessly. Bank emails categorize themselves and now I know exactly where my money goes. 🙌"

A
Andrea M.
@andream.cr

"I had been trying with Excel for years. Integral Finanzas does in seconds what used to take me hours. A killer financial tool."

C
Carlos V.
@carlosvq

"The Spending Plan changed my life. Now I know how much I have "free" each month after bills and goals. Pura vida finance 💚"

L
Laura E.
@laurafinancieramente
Financial Culture

Don't assume your spending.
Budget it.

Integral Finanzas 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.

Proactive Budget

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.

Stop Blind Spending

Forget tedious manual records. Our AI categorizes your spending so you can focus exclusively on executing your plan.

Learn to Budget
New · Launching April 2026

The latest we just shipped

We closed the last competitive gap of the quarter. This is what your previous finance app probably does not have.

US · CA · EU

Plaid Bank Sync

Connect Chase, BoA, Wells Fargo, Capital One, Amex and 12,000+ more banks. Official OAuth, read-only.

For FIRE

Retirement Planner FIRE

Projection with compound FV, the 4% rule, age-based allocation, fee analyzer (alert TER > 0.5%).

USA

Tax Export TurboTax

IRS Schedule A/C categories + direct .TXF export. Only consumer app with this.

USA

Credit Score FICO 8

Monthly soft pull without affecting your score. Trend, factors and alert on sudden changes.

Bilingual

Orbe — AI Advisor

Claude + Gemini with real context: they see your budget, AoM, debts and cash flow. Not a generic chatbot.

Global

8 languages + native Mobile

Auto-detect ES/EN/PT/FR/DE/IT/中文. Wälo app on App Store and Play Store with biometrics.

17 professional modules · 6 new in 2026

Enterprise-grade Power.

Plaid Bank Sync, FIRE Retirement Planner, TurboTax TXF, FICO 8 Credit Score, Orbe AI with context, and native iOS/Android app. For less than $5/month — your entire financial life in a single platform.

Bank Sync via Plaid · 12,000+ institutions

New

Connect your bank in 60 seconds

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.

  • Read-only connection — Wälo never sees or stores your bank password.
  • Incremental sync with cursor: only fetches the delta, no duplicates.
  • Full support for checking, credit, loans, mortgages, and investments.
  • Coverage in USA + Canada + Europe (UK, FR, DE, ES, IT, NL, IE).
Plaid · OAuth Read-Only Connected
CH
Chase
BA
Bank of America
WE
Wells Fargo
CA
Capital One
AM
Amex
CI
Citi

Incremental sync · Cursor delta · 12,000+ institutions USA · CA · EU

Auto-categorization by Email + receipt OCR

The AI that works while you sleep

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.

  • Forward a bank email → Claude AI extracts merchant, amount, currency, and category in < 3s.
  • Snap a photo of your receipt → OCR detects line by line with Gemini Vision.
  • Native bank coverage in 17 LatAm countries + USA (BAC, BCR, Davivienda, BBVA, Chase, etc).
  • Learns from your corrections — next time it categorizes on its own.
Email AI · Claude2.7s

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.

↓ extraction ↓

Merchant

Automercado

Category

🛒 Supermarket

Amount

₡ 8,450.00

Account

TC BAC ****4521

Secure connection · Claude · ChatGPT · Cursor · Ollama

New

Talk to your finances in your favorite AI

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.

  • One-click revocable token — the AI only accesses what you allow, never your password.
  • Granular permissions: share only your budget, only debts, or everything if you trust it.
  • Full audit trail: every query logs IP, country, and device in your panel.
  • Read-only — the AI can read but never modify. Maximum 90-day expiration.
MCP · Claude Desktopread-only
ClaudeChatGPTCursorOllama

You

Where did I spend the most this month?

Claude · via Wälo MCP

In April you spent $3,890. Top 3 categories:

Housing
40%
Food
25%
Transport
20%
Revocable token · IP/country logged · expires in 90d

Zero-Based Budgets with AI

The end of lost money

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.

  • If you earn 1,000,000, you assign exactly 1,000,000 between expenses and savings at the start of the month.
  • Visual control: progress bars per digital envelope cap your real spend.
  • Progressive alerts when you reach 75% or 90% of a monthly budget.
  • Support for envelopes in multiple simultaneous currencies without affecting your main reconciliation.
Zero-based budget · April

Unassigned

$0.00

Month income

$2,750

Housing$850/$1000
Food$420/$500
Transport$280/$300
25% savings$750/$750
Leisure$145/$200

Credit & Avalanche Simulator

Take control of your debts

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.

  • Full French amortization engine (level installment).
  • Extra-payment calculator (save thousands in interest).
  • Snowball strategy (smallest balance first) vs Avalanche (highest interest first).
  • Smart credit cards: cut-off dates and exact statement-balance payments automated.
Avalanche vs Snowball

DTI

28%

goal < 36%

Debt-free in

3.8 years

avalanche

Minimum Avalanche (-$4,820 interest)

IFTTT Logic Rules Engine

Total autopilot for the Pro user

Tired of the system assuming things wrong? Build the perfect mental logic for your money and never touch a record again.

  • Visual logical operators: If amount = 'Netflix cost' and source = 'BAC card' → categorize as [Subscriptions].
  • Automated split of internal transfers with precise amount matching.
  • Discards marketing emails or ATM withdrawals automatically to keep data clean.
  • Apply the rule batch over massive histories retroactively with 1 click.
IFTTT Rules
IFamount = $15.99 AND source = BAC card
THEN→ Subscriptions · Netflix
IFmerchant contains 'UBER'
THEN→ Transport
IFsubject = 'April salary'
THEN→ Income · Salary
IFdesc contains 'INTEREST'
THEN→ Ignore
1,247 transactions retroactively classified

Sovereignty and Local Storage (Local-First)

Your data, only in your hands

In times of cloud hacks, we give you the supreme decision power. Opt out of sending financial data to the server.

  • Exclusive support for SQLite in LocalStorage (only your browser has access).
  • No financial data is sent to our databases if you enable this mode.
  • Manual export/import in secure format or to your own GDrive/Dropbox.
  • Local AES-256 encryption, offering a PWA-style app that works even without internet.
Local-first · AES-256
SQLite in browser
Wälo serverdisabled
PWA offline-ready

Semi-Automated Bank Reconciliation

Perfect Reconciliation

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.

  • Side-by-side view of unreconciled transactions.
  • Automatic balance adjustments for minor corrections.
  • Data integrity guarantee (your dashboard reflects the mathematical reality).
  • Support for monthly or weekly cut-offs.
Bank reconciliation3/4 ok
Date
App
Bank
Apr 26
AUTOMERCADO ₡8,450
AUTOMERCADO ₡8,450
Apr 25
STARBUCKS ₡3,200
STARBUCKS ₡3,200
Apr 24
UBER TRIP ₡2,900
UBER TRIP ₡2,950
Δ50
Apr 23
ICE ₡45,670
ICE ₡45,670
1 transaction with difference · click to auto-adjust balance

Family & Couples Mode

Collaborative Finances

Invite your partner or partners into the same "Financial Household" and manage the budget collaboratively without losing track of who spent what.

  • Roles: Admin (Owner) vs regular Member.
  • Audit history to know which user imported or categorized a transaction.
  • RLS (Row Level Security): each user has their own private data separate from the shared household.
  • Real-time notifications when your partner makes spends that impact the joint budget.
Financial household · Alfaro family

Shared spending this month

$2,450

3 members · budget $3,000

M

Marco

Admin · RLS per user

$1240
A

Ana

Member · RLS per user

$890
S

Sofía

Member · RLS per user

$320

Investment & Fixed Asset Tracking

Your Net Worth, one click away

You are not just your expenses. Track the growth of your investment funds, term savings, cryptocurrencies and real estate.

  • 'Investment'-type accounts that don't subtract from cash flow but add to Net Worth.
  • Historical chart of capital growth (Net Worth).
  • Record yields and dividends accrued monthly.
  • Automatic multi-currency consolidation to your base currency.
Net Worth

Total net worth

$48,720

+3.2% MoM · +$1,520

Stocks

$22.4K

46%

ETF/Bonds

$15.8K

32%

Crypto

$10.5K

22%

Hidden Subscription Tracker

Detect Vampire Spending

Streaming, apps, gym memberships... The system detects recurring patterns and automatically groups charges so you can see the monthly bleed.

  • Smart recurrence detection based on +/- 5-day variations.
  • Visual 'Inactive subscription' alert for services that stopped charging.
  • Annual impact projection (see how much that service will cost you in 12 months).
  • Automatic reminders before the next charge happens.
Detected subscriptions

Monthly bleed

$63.97

Annual

$768

N

Netflix

next: May 3

$15.99
S

Spotify

next: May 8

$9.99
i

iCloud+

next: May 12

$2.99
G

Gym

next: May 1

$35.00

Cryptocurrency Tracking & Valuation

The Web3 Hub

Don't let your digital assets live in isolation. Plug the balance of your cold wallets or exchanges directly into your total net worth.

  • Native support for Bitcoin, Ethereum, and main stablecoins (USDT/USDC).
  • Real-time conversion to your base (Fiat) currency to reflect your real wealth.
  • Segregates your crypto funds from the daily budget to avoid cash-flow confusion.
  • Track value variations and unrealized gains (Unrealized PnL).
Crypto Wallet · Web3

Crypto balance (Fiat)

$10,500

Unrealized PnL: +$1,840

BTC

Bitcoin

BTC · CoinGecko live

$8,245

+4.2%

ETH

Ethereum

ETH · CoinGecko live

$2,180

-1.8%

USDC

USD Coin

USDC · CoinGecko live

$75

0%

Retirement Planner + 4% Rule + Fee Analyzer

New

Plan your retirement like a FIRE

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.

  • Projection with compound future value (FV) based on your monthly contribution and expected return.
  • Suggested stocks/bonds allocation by age (110 - age rule).
  • Fee Analyzer: alerts when a fund charges > 0.5% TER and how much it will cost you in 30 years.
  • 4% safe withdrawal rate calculator — how much you can spend in retirement without depleting capital.
Retirement · FIRE

FV @ age 65

$1.24M

7% real

4% withdrawal

$49,600/yr

safe rate

65y
⚠ Fee Analyzer: 1.2% TER costs you $87K over 30 years

Tax Export → TurboTax (.TXF) + IRS Categories

New

Your tax report in 1 click

The only consumer money manager that exports straight to TurboTax with real IRS codes. Save hours of manual re-categorization every April.

  • 12 IRS Schedule A/C categories: Medical, Charity, Mortgage, Education, Childcare, Business, Home Office, and more.
  • Export to CSV with subtotals by Schedule + Line, ready for your CPA.
  • TurboTax Tax eXchange (.TXF v0.42) format — TurboTax recognizes it natively.
  • Inline assignment per transaction with dropdown — UNCLASSIFIED warns you of pending items.
Tax Export · TurboTax.TXF v0.42
Sch A·5aCharity · Church$1200
Sch A·1Medical · CIMA Hospital$2840
Sch C·8Business · Software$480
Sch A·10Mortgage interest$8920
taxes_2026.txf
↓ Export

Credit Score Monitoring (FICO 8)

New

Your credit score, no surprises

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.

  • FICO 8 with monthly updates — no credit card or hard inquiry needed.
  • Historical trend with annual chart and month-over-month deltas.
  • Positive and negative factors that move the score (utilization, age, mix).
  • Alert when your score drops > 10 points — investigate the cause instantly.
FICO 8 · Soft pull

742

Very good · +12 pts vs prior month

Utilization

18%

Account age

8.2 years

Chat with real financial context (Claude + Gemini)

New

Ask Orbe — your AI advisor

Not a generic chatbot. Orbe 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.

  • Injected context: getBudgetSummary, getDebtInsights, monthly expenses, sinking funds.
  • Detects overspends and proposes which surplus category to cover them with.
  • Low Age of Money diagnosis — explains if you live "month to month" and how to escape.
  • Natively bilingual — ask in English and answer in English, with the right currencies.
Orbe · Your AI advisor

You

Can I spend $200 on a trip this weekend?

Orbe · 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. ✨

Claude + Gemini · 6 injected contexts

8 auto-detected languages + native iOS + Android

New

Wälo in your language, in your pocket

The only finance app with auto-detection of browser language and a native app on App Store and Play Store. One account, every platform, synced in real time.

  • Languages: Spanish (CR/MX/ES) · English (US) · Portuguese (BR/PT) · French · German · Italian · Chinese.
  • Native Wälo app on iOS + Android built with Expo + EAS — with biometrics (Face ID / Touch ID).
  • Installable PWA + Push Notifications for budget alerts, upcoming payments, and goals.
  • Web ↔ Mobile ↔ Desktop sync with Supabase RLS per household.
Wälo Mobile · Multi-language
🇨🇷
ES
🇺🇸
EN
🇧🇷
PT
🇫🇷
FR
🇩🇪
DE
🇮🇹
IT
🇯🇵
JA
🇨🇳
ZH

App Store

iOS · Face ID

▶

Play Store

Android · Touch ID

18 modules in a single platform

Everything you need on a single platform

Plaid, AI with context, FIRE retirement, TurboTax, FICO, multi-currency and 8 languages. For under $5/month.

NEW

Plaid: 12,000+ banks

Direct connection with Chase, BoA, Wells Fargo, Capital One and more in the US, Canada and Europe.

Email import + AI

Forward your bank receipts. Claude AI extracts amount, merchant and category in seconds.

NEW

Receipt OCR

Take a photo of a receipt. The AI reads amount, date and merchant automatically.

NEW

Orbe — AI Advisor

Chat with real financial context: Claude + Gemini analyze your spending, budget and debts.

Zero-Based Budget

4 target types, rollover, cover-overspend, Age of Money and unassigned money in real time.

NEW

Retirement Planner + FIRE

Project your nest egg with compound FV, 4% rule, age allocation and fee analyzer.

USA

Tax Export → TurboTax (.TXF)

12 IRS Schedule A/C categories. Export straight to TurboTax and save hours every April.

NEW

Credit Score (FICO 8)

Score monitoring with soft pulls. Trend, positive and negative factors.

Advanced debts

Avalanche · Snowball · Snowflake · Consolidation · Payoff Goal + automatic DTI.

IFTTT rules engine

Define rules once. The app classifies on its own forever.

Investments + Crypto

Stocks, funds, BTC/ETH/USDC. Live prices (Yahoo + CoinGecko). Consolidated net worth.

Family Mode

Shared household with audit of who charged what. Per-user RLS.

Multi-currency (24)

USD, MXN, EUR, CRC, BRL and 20 more. Daily auto FX. Ideal for expats.

8 languages auto-detect

ES · EN · PT · FR · DE · IT · 中文. Detects your browser language and adapts.

NEW

PWA + Push notifications

Install it as an app, get budget alerts and upcoming payments without opening the browser.

Web + iOS + Android + Desktop

Native Wälo app on App Store/Play Store. One account, every platform.

Bank-grade security

AES-256, TLS 1.3, household RLS, OAuth read-only on Plaid. Your credentials never touch us.

Financial marketplace

Get pre-approved offers from banks and fintechs based on your profile — no spam, opt-in.

What makes us different

A platform that is truly integrated

Designed from scratch for people and families who want real control, not just spending tracking.

Native bilingual

8 languages with auto-detect. The interface, the emails and Orbe respond in your language — no machine translation.

Real multi-currency (24)

USD, CRC, MXN, EUR, BRL and 20 more with daily FX. Built for expats, global freelancers and remittances.

AI with your context

Orbe sees your real budget, debts and cash flow. Not a generic chatbot: it recommends with your numbers.

Your CPA will thank you

12 IRS Schedule A/C categories and direct .TXF export to TurboTax. Close April in minutes, not hours.

Built for FIRE

Retirement Planner with the 4% rule, age allocation and a fee analyzer that flags high TER on your funds.

LatAm without Plaid

In countries where Plaid does not reach yet, we import via bank email + receipt OCR. Unique coverage.

Family with privacy

Shared household with per-user RLS. Each member sees only their own, collaborative budget.

Your data, your rules

AES-256 encryption, OAuth read-only, Local-First mode available. Export CSV/PDF/TXF in 1 click.

Personal

The gold standard in personal finance apps

$0.00 /mo

Always free

  • 3 bank accounts
  • Analytics with local storage
Try it free
Premium & AIPopular

Plaid + AI + Retirement + TurboTax + FICO

$5.99 /mo

14-day free trial · Cancel anytime

  • Plaid Bank Sync (12,000+ banks USA/CA/EU)
  • Email AI + receipt OCR (LatAm)
  • Orbe — AI advisor with context
  • Retirement Planner + Fee Analyzer
  • Tax Export TurboTax + FICO 8
  • Unlimited accounts, history and rules
Start 14-day trial
Family Plan

Shared financial household (up to 5 members)

Coming soon

Meanwhile, invite members to your household from Premium at no extra cost

  • Everything in Premium for 5 members
  • Shared budget + audit of who spent what
  • Per-user RLS: each one only sees their own
  • Push notifications when your partner spends
Start 14-day trial

Take control today

Join the people who are already changing their financial life effortlessly. The first 14 days are completely free.

Create my account now

Free 14 days · No card · Cancel anytime

Descarga

Lleva Wälo a tu escritorio o bolsillo

Misma cuenta. Mismos datos. Tu sesión se sincroniza al instante.

Windows 10 / 11
Wälo Desktop
Instalador .exe · 74 MB
Descargar para Windows
Android 8+
Wälo Móvil
APK directo · sin Play Store
Descargar APK

En Windows puede aparecer un aviso de SmartScreen — clic en Más información → Ejecutar de todas formas. En Android habilita la instalación desde fuentes desconocidas para el navegador que descargue el APK. iOS próximamente.

Help & Education Center

Learn to master your finances

Step-by-step guides, a detailed manual for each module, financial glossary and education for all levels.

⚡

Practical How-To Guides

7 step-by-step guides from "Getting Started" to advanced debt strategies, banking automation and bulk CSV import.

2 for beginners · 3 advanced
📖

Complete User Manual

Exhaustive documentation of every system view. From the Dashboard to the Rules Engine, explained in detail.

28 modules documented
🎓

Financial Education

Interactive glossary with real-time search and key concepts: Assets, Liabilities, Net Worth, 50/30/20 Rule, Compound Interest.

Glossary + Financial Culture
Open Help Center

Also accessible from the ❓ icon in the corner of every module

Preguntas frecuentes

Todo lo que querías saber de Wälo

Si tu duda no está aquí, escríbenos a [email protected]

¿Qué es Wälo y cómo funciona?

Wälo es la app de finanzas personales que lee los correos de tu banco con IA y categoriza automáticamente cada gasto. Reenvías los emails (o conectas tu banco vía Plaid) y Wälo organiza todo: presupuesto base cero, deudas, ahorros, inversiones e impuestos en una sola plataforma multimoneda y bilingüe.

¿Cuál es la mejor app de finanzas personales en 2026?

Wälo es la opción más completa: 12 idiomas con traducciones reales, multimoneda nativa con tasas de cambio en tiempo real, presupuesto base cero estilo YNAB, soporte de miles de bancos a nivel global y precio menor que YNAB, Monarch o Copilot Money.

¿Wälo es una alternativa a YNAB, Mint, Monarch o Rocket Money?

Sí. Wälo replica el método YNAB de presupuesto base cero, reemplaza a Mint (que cerró en 2024), iguala la sofisticación de Monarch Money y detecta suscripciones como Rocket Money — pero a un precio menor, multilingüe, multimoneda y con IA que lee correos bancarios.

¿Wälo es seguro? ¿Vende mis datos?

Wälo usa cifrado AES-256, autenticación OAuth con Google/Apple, RLS en Supabase y opción local-first donde tu base de datos vive solo en tu navegador. Modelo de suscripción puro: no vendemos datos, no mostramos anuncios, no hacemos cross-sell de productos financieros.

¿Cuánto cuesta Wälo?

Plan gratis con funciones esenciales. Premium con 14 días gratis sin tarjeta, significativamente más barato que YNAB ($14.99/mes), Monarch ($14.99/mes) o Copilot Money ($13/mes). Cancela cuando quieras.

¿Funciona Wälo con mi banco?

Sí, en la mayoría de los casos. Wälo soporta dos vías: (1) conexión directa vía Plaid con más de 12,000 bancos a nivel global, y (2) lectura automática de correos del banco con IA, que funciona con cualquier institución que envíe notificaciones por email — sin importar el país.

¿Wälo se integra con Claude, ChatGPT, Cursor u otras IAs?

Sí. Wälo tiene un MCP server (Model Context Protocol) que permite conectar Claude Desktop, ChatGPT, Cursor u Ollama a tus finanzas con tokens revocables, scopes granulares y auditoría completa. Único en el mercado de apps de finanzas personales.

¿Wälo exporta a TurboTax para declarar impuestos en USA?

Sí. Marcas gastos deducibles, Wälo los agrupa por categoría IRS y exporta a CSV o TurboTax TXF en un clic. Soporte para Schedule C (freelancers/self-employed), Schedule A (deducciones detalladas) y más.