Most personal finance apps ask you to hand over your bank credentials or link accounts via Plaid. Walu doesn't. Every cent you track stays under your control, in your database, filtered by row-level security so not even a bug in the code can expose your data. **What Walu does** - Log income and expenses across multiple accounts (bank, cash, credit cards, savings, investments) - Build envelope budgets by category with weekly or monthly periods and rollover - Set savings goals and track progress with one-click contributions - Schedule recurring transactions — subscriptions, rent, salary - Handle multi-currency accounts with manual exchange rates - Share a financial space with a partner or family, with per-member roles (Owner / Editor / Viewer) and private transactions that only you can see - Import from CSV, OFX, or YNAB (Pro); export to CSV or XLSX (Pro) **Why manual entry?** Bank sync sounds convenient until you realize what you're trading: your full transaction history goes to a third-party aggregator, gets re-sold for analytics, and can be revoked any time the bank changes its API. Manual entry takes 30 seconds per transaction and keeps everything private. For many people — especially outside the US — there is no reliable bank sync option anyway. Walu works everywhere. **Who it's for** - Individuals who want a clean register of where their money goes - Couples and families who want shared visibility without shared secrets - Freelancers juggling multiple currencies - YNAB / Mint refugees who want something affordable and actively maintained **Pricing** Free tier: 1 account, 50 transactions/month, 1 budget, 1 goal, 10 recurring rules, CSV import. Pro: $5.99/month or $49.99/year (founder pricing, limited time). Unlimited everything + credit cards + shared spaces + multi-currency + OFX/YNAB import + XLSX export. Pro is $49.99/year. YNAB is $99/year. Monarch Money is $99/year. You do the math. **Tech built for privacy** - Row Level Security on every table in PostgreSQL — data isolation at the database layer, not just the app layer - No analytics on your financial data — only anonymous usage events - Hosted on Railway + Supabase; no third-party financial data processors **Languages** Full UI in English, Spanish, Portuguese, and French. Not just translated strings — currency formatting, date formats, and number locales adapt to your language. **Built by one person** I'm Alan, a solo developer from Buenos Aires. I built Walu because every app in this space either costs too much, requires bank access, or isn't available in my language. This is the app I wanted to use. It's in production at usewalu.com and accepting real subscribers today. I'd love your feedback — especially if you've tried YNAB, Mint, Monarch, or Fintonic and found something missing.

Walu

The honest budgeting app. No bank access. No ads.

The honest budgeting app. No bank access. No ads.