Walli How Walli works
Everything you need to get the most out of Walli — from your first account to shared expenses, budgets, savings and AI insights. Walli is a free, multi-currency personal-finance app that also handles the money you share with other people.
Getting started
Create your account with an email and password — it's free and takes about two minutes, with no bank connection and no card required. Confirm your email from the message we send you and your space is ready right away; there is no manual approval. Walli runs in any browser, installs as an app (PWA) on your phone or desktop, and a native mobile app is on the way — all on the same account.
Accounts & balances
Add your cash, bank accounts, cards and wallets. Each account keeps its own balance and currency, and credit cards track the whole billing cycle — statements, closing dates and how much credit you still have. Your net worth is always clear at a glance.
Recording income & expenses
Log an income or expense in seconds, tag it with a category and optional labels, and the right account updates instantly. You don't have to type everything by hand: scan a receipt, import a CSV from your bank, or — where enabled — let the AI assistant add it for you, always with your confirmation.
Categories & budgets
Organise spending into categories and set an optional monthly limit on any of them. Walli shows how much you really have left and alerts you when a category's spending crosses the thresholds you choose, so nothing takes you by surprise at month-end.
Savings envelopes & goals
Set money aside inside an account with envelopes: the cash stays in the account but is earmarked for a purpose. Give an envelope a goal and an optional deadline to watch the progress bar fill, and celebrate every milestone you reach.
Recurring, bills & loans
Set up salaries, subscriptions and bills once and Walli keeps them on schedule; for bills that change every time, you enter the amount when you reconcile them. Loans are tracked as installments that post automatically as they fall due, so upcoming payments never catch you off guard.
Shared expenses & groups
Create a group for a trip, a household or a couple, and add people — even guests without an account. Log who paid what and how to split it, and Walli works out who owes whom, suggesting the smallest number of transfers to settle up. Recording a reimbursement never touches anyone's personal accounts.
Multiple currencies
Every account and transaction carries its own currency — Walli supports 150+. There is no automatic conversion shuffling your money around; to see a combined total across currencies you set the rates yourself, so the numbers are always the ones you trust.
Reports & AI insights
Walli turns your activity into clear monthly summaries and reports. The AI assistant explains your month in plain language — where your money went, what changed and what to watch — and answers questions about your budgets and categories, right next to your numbers.
Privacy & your data
Your finances are isolated to your account at the database level (Row-Level Security), and we never ask for your bank login. We don't sell your financial data — sponsors only ever see an aggregate audience. You can export everything or delete your account whenever you like; your data is yours to keep.
Frequently asked questions
How do I activate my account?
Sign-up is open and free. Just confirm your email from the message we send you and your space is ready — no waiting and no manual approval.
Is Walli really free?
Yes. You can track your personal and shared finances for free, and no credit card is required to start.
How do I add an account in another currency?
When you create an account you choose its currency, and each account and transaction keeps its own. To see a combined total across currencies you set the rates yourself — Walli never moves your money automatically.
How do I split an expense with friends?
Create a group, add the people involved (guests included), and log the expense with how it should be split. Walli calculates who owes whom and suggests the fewest transfers to settle up.
How do I set a budget?
Open a category and set an optional monthly limit, then pick the alert thresholds. Walli notifies you as your spending approaches or crosses them.
Can I install Walli or use it offline?
Yes. Walli runs in any browser and can be installed as an app (PWA) on your phone or desktop, with the main screens available offline. A native mobile app is on the way.
Can I export or delete my data?
Any time. You can export your data and take it with you, and deleting your account removes it — there is no lock-in.
Ready to see your money clearly?
Create your free account