Wälo
Features

Core Operations

  • Zero-Based Budget
  • Goals & Automatic Savings
  • Credit Card Management
  • Loans & Debt Control
  • Investment Portfolio

Ecosystem & Analytics

  • Big Data & Reports
  • Families & Sub-businesses
  • Multi-Currency Support
  • AI Bank Reconciliation
  • Liquidity Calendar

Security & Utilities

  • Data Sovereignty (Local)
  • Receipt Manager (OCR)
  • Tax Deductibility
  • Subscription Canceller
  • AI Logic Rules
Featured

Automatic Import

No direct bank sync. AI classifies your invoices straight from email.

Resources

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📚 Finance guides📖 Glossary

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Tools

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Free tools

Free financial calculators

Reliable calculations with no sign-up, no ads and without sharing your data. Made by the Wälo team.

  • Compound interest

    Most used

    How much your investment grows with monthly contributions and monthly compounding

    Open calculator

  • Loan amortization

    Monthly payment, total interest and real cost of mortgages, auto loans and personal loans

    Open calculator

  • DTI (Debt-to-Income)

    What percentage of your income goes to debt, according to CFPB and FHA standards

    Open calculator

  • Emergency fund

    How much you need to save based on your essential expenses and risk profile

    Open calculator

Apply these calculations to your real money

Wälo applies these algorithms automatically to your debts, savings and investments. 14 days of Premium free, no card required.

Try Wälo free