Pricing that respects your wallet
Free plan forever. Premium with 14 days, no credit card. Way cheaper than YNAB, Monarch, or Copilot.
FREE
Free
The essentials to start managing your finances
$0
Forever, no card
- Up to 3 accounts
- Up to 500 transactions
- Manual categorization
- Basic zero-based budgeting
- 1 currency
- Web + mobile app
- AI bank email reading
- Multi-currency
- Investments tracker
- TurboTax export
PREMIUM
Premium
Every feature to manage your money like a pro
$9.99
/mo · 14 days free, no card
- Unlimited accounts (multi-bank)
- Unlimited transactions
- AI reads your bank emails
- Automatic AI categorization
- Native multi-currency (USD/EUR/CRC/MXN/COP/...)
- Full zero-based budgeting + rollover + 4 goal types
- Debt management (snowball/avalanche)
- Cards (17 types, CARD Act/CFPB)
- Investments (stocks, ETF, bonds, REIT, retirement)
- TurboTax TXF export
- MCP server (Claude/ChatGPT/Cursor)
- Priority support
- Up to 2 members
FAMILY
Family
Everything in Premium + shared accounts with granular permissions
$14.99
/mo · Up to 5 members
- Everything in Premium
- Up to 5 members
- Roles: admin, contributor, viewer
- Separate tenants (personal / family / business)
- Per-member spend approval
- Consolidated family reports
- Cross-member notifications
- Family priority support
We're not charging anything yet when you subscribe: we'll notify you before billing starts, with advance notice, and you can cancel at no cost.
Annual plan: save ~33% (equivalent to 4 months free) · Compare with YNAB · vs Monarch
Frequently asked questions
Is Premium really free for 14 days without a credit card?
Yes. No card required for the trial. On day 15 you automatically return to Free — we don't charge you. If you decide to upgrade, that's when we ask for a payment method.
Can I cancel anytime?
Yes. No commitment, no penalty. Cancel in one click from Settings and keep access until the end of the paid period.
How much discount does the annual plan have?
The annual plan saves ~33% (equivalent to 4 months free). Premium annual: $79/year. Family annual: $119/year.
Why is Wälo cheaper than YNAB or Monarch?
Lean team, modern infrastructure (Next.js + Supabase), and a pure subscription model — no data sales, no ads. We don't need to charge $15/mo to be profitable.
Do you accept LATAM payment methods?
Yes, by card. We accept Visa and Mastercard issued in any country, and we charge in US dollars. Payments are processed by ONVO Pay. We do not support OXXO, PSE, Pix or local wallets yet.
What happens if I downgrade from Premium to Free?
You keep all your data. You lose access to Premium features (multi-bank, AI email parsing, multi-currency, TurboTax export). You can reactivate Premium anytime.
Are there discounts for students / NGOs?
Yes. Students with .edu email or equivalent: 50% off Premium. Verified NGOs: 1 year free. Email us at [email protected] with your proof.
Do you offer a refund if I don't like it?
Monthly plan: the 14-day trial with no card is your evaluation. If we offer an annual plan to purchase in the future, it will include a 30-day full refund guarantee. See the Refund Policy for other cases.
Ready to get started?
14 days of Premium free, no credit card. If you don't love it, you go back to Free without us charging a cent.
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