The bilingual finance app
built for US households.
Connect your bank in 60 seconds with Plaid. Plan your retirement. Export to TurboTax. The only money manager that speaks English, Spanish, and Portuguese — natively.
Works with 12,000+ banks
Product preview
See what you'll get
Real product, not mockups.
Retirement Planner
Project your nest egg with the 4% rule. Asset allocation by age.
Bilingual Budget
Switch English ↔ Spanish in one click. Same data, your language.
Want to see more before signing up? Read about Wälo
Everything Monarch has.
Plus what they're missing.
Bank sync, budgets, and dashboards are table stakes. Here's what actually moves the needle.
Bank sync via Plaid
12,000+ US banks: Chase, BoA, Wells Fargo, Capital One, Amex, and the rest. Read-only. Never store credentials.
AI assistant + receipt OCR
Forward your bank emails, scan paper receipts. AI extracts payee, amount, date. Categorizes automatically.
Retirement planner + 4% rule
Project your nest egg with FV compound. Asset allocation by age. Required savings to hit your goal.
TurboTax export (.TXF)
12 IRS categories (Schedule A + C). Save $120+/year on TurboTax categorization. The only consumer app with this.
Credit score monitoring
FICO 8 score with soft pulls. Track trend, see positive/negative factors, no impact to your score.
Multi-currency native
Hold accounts in USD + MXN + EUR + CRC + 20 more. Daily FX rates. Perfect for expats and immigrants.
How we stack up
Apples-to-apples vs the top 4 US finance apps.
| Feature | Wälo | Monarch | Copilot | YNAB | Empower |
|---|---|---|---|---|---|
| Bank sync (Plaid) | |||||
| Bilingual UI auto-detect | |||||
| TurboTax .TXF export | Partial | ||||
| Retirement planner | |||||
| Fee analyzer | Partial | ||||
| Deep debt management | Best | Medium | Low | Different focus | Medium |
| Email + OCR receipt import | |||||
| Multi-currency (24+) | |||||
| AI chat with context | |||||
| Annual price (USD) | $72 | $99 | $95 | $109 | Free |
Comparison based on public pricing and feature listings as of April 2026. Empower is free but monetizes via wealth advisory upsells.
Built for people we wish had Wälo
Real perfiles we obsess over, not generic personas.
Hispanic Americans (65M)
Use Wälo in Spanish, share with English-speaking partners in their language. Track sends to family back home in their currency.
FIRE community
Project your retirement with the 4% rule, fee analyzer flags expense ratios over 0.5%, asset allocation suggestions by age.
Freelancers / Schedule C
Categorize expenses by IRS category. Export TXF directly to TurboTax. Save hours every April.
Expats & digital nomads
Track accounts across US, EU, Canada, LATAM. Daily FX rates. UI in your preferred language.
Simple pricing.
Built to be cheaper than Monarch.
14 days of Premium free. No credit card required to start.
Free
Try it forever, no card required.
$0/forever
- Manual transaction import
- Up to 3 accounts
- 500 transactions/year
- Basic budgeting
- CSV export
- AI chat (limited)
Premium
Everything you need, all in.
$5.99/month
$71.88/year · cancel anytime
- Bank sync via Plaid (unlimited)
- Email + OCR receipt import
- Unlimited accounts & transactions
- Retirement planner & fee analyzer
- TurboTax TXF export
- Credit score monitoring
- Deep debt management tools
- Multi-currency (24 currencies)
- Priority support
No card required · auto-cancel after trial
Questions, answered
Ready in 60 seconds.
Sign up. Connect your bank. See your full picture in your preferred language. Done.
Bank-level security · Read-only access · Cancel anytime