Connect your bank with Plaid in 60 seconds. Ask Orbe, your AI advisor. Export to TurboTax, plan your retirement, and monitor your FICO. Your entire financial life in one place, for less than $5/month.
Compatible with 12,000+ banks in the US, Canada and Europe
Email banks in
Just forward your bank emails. The AI does the rest.
No bank sync. No bank passwords. No complex setup.
Just forward the payment receipts that arrive in your inbox. Nothing more.
Our engine with Claude AI reads the email and detects merchant, amount and category automatically.
Your dashboard updates instantly. Spending, budget, goals: everything sorted effortlessly.
"I never thought I could control my spending effortlessly. Bank emails categorize themselves and now I know exactly where my money goes. 🙌"
"I had been trying with Excel for years. Integral Finanzas does in seconds what used to take me hours. A killer financial tool."
"The Spending Plan changed my life. Now I know how much I have "free" each month after bills and goals. Pura vida finance 💚"
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.
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.
Forget tedious manual records. Our AI categorizes your spending so you can focus exclusively on executing your plan.
We closed the last competitive gap of the quarter. This is what your previous finance app probably does not have.
Connect Chase, BoA, Wells Fargo, Capital One, Amex and 12,000+ more banks. Official OAuth, read-only.
Projection with compound FV, the 4% rule, age-based allocation, fee analyzer (alert TER > 0.5%).
IRS Schedule A/C categories + direct .TXF export. Only consumer app with this.
Monthly soft pull without affecting your score. Trend, factors and alert on sudden changes.
Claude + Gemini with real context: they see your budget, AoM, debts and cash flow. Not a generic chatbot.
Auto-detect ES/EN/PT/FR/DE/IT/中文. Wälo app on App Store and Play Store with biometrics.
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.
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.
Sync incremental · Cursor delta · 12,000+ instituciones USA · CA · EU
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.
De: notificaciones@bac.cr
Asunto: Compra aprobada ****4521
Su tarjeta fue cargada por CRC 8,450.00 en AUTOMERCADO ESCAZÚ el 26-04-2026 14:23.
Comercio
Automercado
Categoría
🛒 Supermercado
Monto
₡ 8,450.00
Cuenta
TC BAC ****4521
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.
Tú
¿En qué gasté más este mes?
Claude · vía Wälo MCP
En abril gastaste $3,890. Top 3 categorías:
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.
Sin asignar
$0.00
Ingreso del mes
$2,750
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.
DTI
28%
objetivo < 36%
Libre en
3.8 años
avalancha
Tired of the system assuming things wrong? Build the perfect mental logic for your money and never touch a record again.
In times of cloud hacks, we give you the supreme decision power. Opt out of sending financial data to the server.
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.
Invite your partner or partners into the same "Financial Household" and manage the budget collaboratively without losing track of who spent what.
Gasto compartido del mes
$2,450
3 miembros · presupuesto $3,000
Marco
Admin · RLS por usuario
Ana
Miembro · RLS por usuario
Sofía
Miembro · RLS por usuario
You are not just your expenses. Track the growth of your investment funds, term savings, cryptocurrencies and real estate.
Patrimonio total
$48,720
+3.2% MoM · +$1,520
Acciones
$22.4K
46%
ETF/Bonos
$15.8K
32%
Cripto
$10.5K
22%
Streaming, apps, gym memberships... The system detects recurring patterns and automatically groups charges so you can see the monthly bleed.
Sangrado mensual
$63.97
Anual
$768
Netflix
próximo: 3 may
Spotify
próximo: 8 may
iCloud+
próximo: 12 may
Gym
próximo: 1 may
Don't let your digital assets live in isolation. Plug the balance of your cold wallets or exchanges directly into your total net worth.
Saldo crypto (Fiat)
$10,500
PnL no realizado: +$1,840
Bitcoin
BTC · CoinGecko live
$8,245
+4.2%
Ethereum
ETH · CoinGecko live
$2,180
-1.8%
USD Coin
USDC · CoinGecko live
$75
0%
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.
FV @ 65 años
$1.24M
7% real
Retiro 4%
$49,600/yr
safe rate
The only consumer money manager that exports straight to TurboTax with real IRS codes. Save hours of manual re-categorization every April.
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.
742
Muy bueno · +12 pts vs mes anterior
Utilización
18%
Edad cuentas
8.2 años
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.
Tú
¿Puedo gastar $200 en un viaje este finde?
Orbe · contexto tuyo
Sí, pero ojo: tu Age of Money cayó a 12d (objetivo >30d). Tienes $340 sobrante en "Ocio" y un sobregiro de $45 en "Comida". Cubrí ese sobregiro primero y ve. ✨
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.
App Store
iOS · Face ID
Play Store
Android · Touch ID
Plaid, AI with context, FIRE retirement, TurboTax, FICO, multi-currency and 8 languages. For under $5/month.
Direct connection with Chase, BoA, Wells Fargo, Capital One and more in the US, Canada and Europe.
Forward your bank receipts. Claude AI extracts amount, merchant and category in seconds.
Take a photo of a receipt. The AI reads amount, date and merchant automatically.
Chat with real financial context: Claude + Gemini analyze your spending, budget and debts.
4 target types, rollover, cover-overspend, Age of Money and unassigned money in real time.
Project your nest egg with compound FV, 4% rule, age allocation and fee analyzer.
12 IRS Schedule A/C categories. Export straight to TurboTax and save hours every April.
Score monitoring with soft pulls. Trend, positive and negative factors.
Avalanche · Snowball · Snowflake · Consolidation · Payoff Goal + automatic DTI.
Define rules once. The app classifies on its own forever.
Stocks, funds, BTC/ETH/USDC. Live prices (Yahoo + CoinGecko). Consolidated net worth.
Shared household with audit of who charged what. Per-user RLS.
USD, MXN, EUR, CRC, BRL and 20 more. Daily auto FX. Ideal for expats.
ES · EN · PT · FR · DE · IT · 中文. Detects your browser language and adapts.
Install it as an app, get budget alerts and upcoming payments without opening the browser.
Native Wälo app on App Store/Play Store. One account, every platform.
AES-256, TLS 1.3, household RLS, OAuth read-only on Plaid. Your credentials never touch us.
Get pre-approved offers from banks and fintechs based on your profile — no spam, opt-in.
Designed from scratch for people and families who want real control, not just spending tracking.
8 languages with auto-detect. The interface, the emails and Orbe respond in your language — no machine translation.
USD, CRC, MXN, EUR, BRL and 20 more with daily FX. Built for expats, global freelancers and remittances.
Orbe sees your real budget, debts and cash flow. Not a generic chatbot: it recommends with your numbers.
12 IRS Schedule A/C categories and direct .TXF export to TurboTax. Close April in minutes, not hours.
Retirement Planner with the 4% rule, age allocation and a fee analyzer that flags high TER on your funds.
In countries where Plaid does not reach yet, we import via bank email + receipt OCR. Unique coverage.
Shared household with per-user RLS. Each member sees only their own, collaborative budget.
AES-256 encryption, OAuth read-only, Local-First mode available. Export CSV/PDF/TXF in 1 click.
Always free
14-day free trial · Cancel anytime
Meanwhile, invite members to your household from Premium at no extra cost
Join the people who are already changing their financial life effortlessly. The first 14 days are completely free.
Create my account nowFree 14 days · No card · Cancel anytime
Step-by-step guides, a detailed manual for each module, financial glossary and education for all levels.
7 step-by-step guides from "Getting Started" to advanced debt strategies, banking automation and bulk CSV import.
2 for beginners · 3 advancedExhaustive documentation of every system view. From the Dashboard to the Rules Engine, explained in detail.
28 modules documentedInteractive glossary with real-time search and key concepts: Assets, Liabilities, Net Worth, 50/30/20 Rule, Compound Interest.
Glossary + Financial CultureAlso accessible from the ❓ icon in the corner of every module
Si tu duda no está aquí, escríbenos a soporte@walomoney.com
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.
Wälo es la opción más completa para hispanohablantes: español/inglés/portugués nativo, multimoneda real (USD/EUR/CRC/MXN/COP/ARS/CLP/BRL), presupuesto base cero estilo YNAB, soporte de bancos LATAM y USA, y precio menor que YNAB, Monarch o Copilot 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, en español, multimoneda y con IA que lee correos bancarios.
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.
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.
Sí. Wälo soporta nativamente bancos de Costa Rica (BAC, BCR, Davivienda, BN, Popular), México (BBVA, Banamex, Santander, Banorte, HSBC), Colombia (Bancolombia, Davivienda, Banco de Bogotá, Nequi), Panamá, Argentina, Chile, Perú, Brasil y más. Lectura de correos o conexión Plaid donde aplique.
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.
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.