Pricing that respects your wallet
Free plan forever. Premium with 14-day free trial, no card. Significantly cheaper than YNAB, Monarch, or Copilot.
FREE
Free
Essentials to start taking control of your finances
$0
Forever, no card required
- 1 main account
- Up to 100 transactions/month
- Manual categorization
- Basic zero-based budgeting
- Single currency
- Web + mobile apps
- AI bank email parsing
- Multi-currency
- Investments tracker
- TurboTax TXF export
PREMIUM
Premium
All features to manage money like a pro
$5.99
/mo · 14-day free trial, no card
- Unlimited accounts (multi-bank)
- Unlimited transactions
- AI reads your bank emails
- AI auto-categorization
- Native multi-currency (USD/EUR/CRC/MXN/COP/...)
- Full zero-based budgeting + rollover + 4 goal types
- Debt management (snowball/avalanche)
- Credit cards (17 types, CARD Act/CFPB)
- Investments (stocks, ETFs, bonds, REITs, retirement)
- TurboTax TXF export
- MCP server (Claude/ChatGPT/Cursor)
- Priority support
FAMILY
Family
Everything Premium + shared accounts with granular permissions
$9.99
/mo · Up to 10 members
- Everything in Premium
- Up to 10 members
- Roles: admin, contributor, viewer
- Separate tenants (personal / family / business)
- Per-member spending approval
- Family-wide consolidated reports
- Cross notifications
- Family priority support
Annual plan: save ~16% (2 months free) · Compare to YNAB · vs Monarch
Frequently asked questions
Is Premium really free for 14 days without a card?
Yes. We don't ask for a card for the trial. On day 15 you automatically go back to Free, we don't charge you. If you decide to upgrade, that's when we'll ask for payment.
Can I cancel anytime?
Yes. No commitment, no penalty. Cancel with one click from Settings and keep access until the end of your paid period.
How much discount does the annual plan have?
Annual saves ~16% (equivalent to 2 months free). Premium annual: $59.99/yr. Family annual: $99.99/yr.
Why is Wälo cheaper than YNAB or Monarch?
Lean team, modern infrastructure (Next.js + Supabase), and pure subscription model with no data sales or ads. We don't need to charge $15/mo to be profitable.
Do you accept LATAM payment methods?
Yes. Local cards (Visa/Mastercard), PSE in Colombia, OXXO in Mexico, Mercado Pago in Argentina, Pix in Brazil, SINPE Móvil in Costa Rica. Stripe handles processing.
What happens if I downgrade from Premium to Free?
You keep all your data. You lose access to Premium features (multi-bank, AI email parsing, multi-currency, TurboTax export). You can reactivate Premium anytime.
Any discount for students or non-profits?
Yes. Students with .edu email or equivalent: 50% off Premium. Verified non-profits: 1 year free. Email soporte@walomoney.com with your proof.
Do you offer refunds if I don't like it?
Monthly plan: the 14-day trial is your evaluation. Annual plan: 30-day full guarantee — if you're not convinced, we refund 100%.
Ready to start?
14 days Premium free, no card required. If you don't love it, you go back to Free with no charges.
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