Know your money
without the overwhelm
WealthWise reads your bank texts, files every rupee, and quietly tells you what you can safely spend today — all on your phone, and nowhere else.
Money you can finally read.
Nothing you must trust.
Every finance app asks for your bank login, your statements, your trust. WealthWise asks for none of it — because the whole thing runs where your money already lives: on your phone.
Nothing to sign up to
No email, no password, no profile. Install it and it works. There is nothing to log in to and nothing to leak.
It works on the plane
Every screen and every insight, in airplane mode. There was never an online mode to lose in the first place.
Your data stays put
The parser, the categoriser and the insight engine all run on the phone in your hand. Privacy here is architecture, not a policy.
Tools that work with your money,
not against it
Stop typing in what
your bank already told you.
Eleven banks parsed by name (HDFC, ICICI, Axis, Kotak, SBI, IDFC, IndusInd, Yes, AU, UPI apps), over one shared engine, so a fix for one is a fix for all. No bank login. No Plaid. No credentials. Just the messages your bank is already sending you, read on your own phone.
No bank texts? Import the statement.
SMS import quietly makes an app India-first. A statement file works everywhere, and it’s how you backfill the years before you installed this. CSV, OFX/QFX and QIF, with the format sniffed from the content, so an OFX emailed as .txt still parses.
CSV is the messy one, so it’s handled properly.
The delimiter is sniffed. The header row is found under the net-banking preamble junk. Columns auto-map from a synonym table: Narration, Particulars, Withdrawal Amt, Money out. Lakh grouping, Dr/Cr markers and accountant (1,234.00) negatives all parse. Then it shows you the mapping so you can re-point any column.
Re-import an overlapping range. Nothing doubles.
Jan–Mar, then Feb–Apr: the normal way people actually use this. Dedup checks the ledger itself, not just the queue, and prefers the bank’s own reference number as the identity key when the file provides one.
Understand your spending
before it becomes a problem.
A health score, a merchant profile, a subscription you forgot, a forecast of where you land in 90 days, all computed on your phone, in a background thread, from your own ledger. Turn on airplane mode and it still works. There is no model in the cloud reading your money.
Financial health
Savings rate, budget adherence, spending discipline and debt trend, weighted into one number you can actually move.
Merchant intelligence
Every merchant, profiled: total spend, visits, typical weekday, usual payment method, and whether it's quietly growing month over month.
Subscription detector
Same merchant, stable amount, regular interval, three charges deep: that's a subscription, whether or not you remember signing up.
Cash-flow forecast
Where your balance lands in 30, 60 or 90 days, with the danger zone marked before you fall into it.
Every day you spent, and every day you didn't.
A year of spending as a single grid. Your longest no-spend streak, your heaviest day, how much more weekends cost you than weekdays. Tap any square to open that day's timeline.
Every insight above was computed on your phone.
No model in the cloud. No API call. No prompt containing your salary. The entire intelligence layer is rule-based, deterministic, and runs in a background isolate against your local database, cached by ledger revision, so it opens instantly and only recomputes when something actually changed.
Pay for the thinking.
Never for your own data.
Free is a real product, not a trailer. Pro adds the layer that reasons about your money. Ultra stops you from typing at all. Prices live in the App Store and Google Play, never on a page that can go stale.
A paywall that behaves.
Most apps make leaving expensive. This one makes it boring, which is the point. These four rules hold on every screen, in every tier.
- Turning a switch off is always allowedEvery premium feature can be disabled. You are never forced to keep something on because you paid for it once.
- Your data is never held hostageEditing or deleting data you already have is never gated. A lapsed subscriber is never locked out of their own records, and never trapped inside them.
- You see what you are buyingGated screens render for real, blurred behind the paywall. You look at the actual feature with your actual data, not a marketing sheet that bounces you out.
- Seven days, freeA full week of Pro or Ultra before anything is charged. Long enough for a pay cycle to actually happen.
Every switch, side by side.
| Capability | Free | Pro | Ultra |
|---|---|---|---|
| The basics | |||
| Transactions, categories, tags | Included | Included | Included |
| The Analytics tab | Included | Included | Included |
| Recurring payments | Included | Included | Included |
| All 153 currencies | Included | Included | Included |
| Biometric lock | Included | Included | Included |
| 30-day Trash | Included | Included | Included |
| Streaks & daily digest | Included | Included | Included |
| Debts & splitting bills | Included | Included | Included |
| Encrypted local backup | Included | Included | Included |
| Limits | |||
| Budgets | 2 | Unlimited | Unlimited |
| Savings goals | 1 | Unlimited | Unlimited |
| Accounts (cash always free) | 2 | Unlimited | Unlimited |
| The intelligence layer | |||
| Offline AI Insights hub | Not included | Included | Included |
| Reports & exports (PDF / CSV / XLSX) | Not included | Included | Included |
| Net Worth | Not included | Included | Included |
| Auto-funding: schedules + round-ups | Not included | Included | Included |
| EMI calculator & schedule | Not included | Included | Included |
| Envelope / rollover budgets | Not included | Included | Included |
| Trips | Not included | Included | Included |
| Bill Calendar & Split Payments | Not included | Included | Included |
| Home-screen widgets | Not included | Included | Included |
| Cloud Sync to your own iCloud / Drive | Not included | Included | Included |
| The power features | |||
| Automatic Import: bank SMS parsing | Not included | Not included | Included |
| Statement import: CSV / OFX / QIF | Not included | Not included | Included |
| Voice logging (phone + Apple Watch) | Not included | Not included | Included |
| Priority support & early access | Not included | Not included | Included |
| The rules | |||
| Edit & delete your existing data | Included | Included | Included |
| Keep your data if you cancel | Included | Included | Included |
| Works fully offline | Included | Included | Included |
Ultra is a strict superset of Pro. Upgrading never costs you a feature.
Every rupee filed, every subscription caught, every insight reasoned out, on the device in your hand, and nowhere else. Download it, log one coffee, and see how quickly the fog lifts.
- Free to startA complete tracker in the free tier. No countdown, no crippled first week.
- No account requiredNo email, no password, no profile. Install it and it works. There is nothing to sign up to.
- Works offlineEvery screen and every insight, in airplane mode. There was never an online mode to lose.
WealthWise sends zero bytes of your financial data to us, because there is nowhere for it to go.