# Wally: Smart Personal Finance — Track Spending & Budgets > AI-powered personal finance tracker for spending, budgeting, and goal planning. (iPhone/iPad app by Wally Global Inc..) - Source: https://appshunter.io/ios/app/wally-smart-personal-finance/id1178011327 (this page in markdown: same URL + `.md`) - Developer: [Wally Global Inc.](https://appshunter.io/developer/1178011326) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 3.77/5 from 1,654 App Store ratings · 53 written reviews indexed - Age rating: 4+ - Requires: iOS 12.0 · 114 MB - Languages: English - Released: 2016-12-09 - Data updated: 2026-06-10 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/wally-smart-personal-finance/id1178011327/reviews.md ## What is Wally? Get started today with your own personal finance AI. WallyGPT enhances your finances with personalized thoughts across charts in the app and can help you start a conversation with customized questions. You'll love having your own advisor with the ability to set budgets for you that you can track daily. The #1 personal finance management app now enhanced with WallyGPT and unparalleled privacy and security. TOP RATED GLOBALLY SINCE 2014: √ Rated #1 over 40 times √ #1 in 22 countries √ “Top Finance App” Apple √ “Expense Tracker of The Year” Investopedia √ “Global Best-in-Class” Medici √ Recommended 150+ times by Nerdwallet, Our Freaking Budget, Bank Rate... √ And highly acclaimed by CNN, Wall Street Journal, BBC, Business Insider, Forbes, Chicago Tribune, NY Times, Entrepreneur, The Economic Times, Glamour, Buzzfeed, and many others. YOU’LL LOVE WALLYGPT - Your personal, personal financial assistant ◆ Conversational Financial Analysis: Go beyond charts and data with WallyGPT. Ask WallyGPt complex questions about your finances and get simple, contextual, and personalized answers. ◆ From Goal-Planning to Goal Setting: WallyGPT can help you research goals (like planning a wedding, or paying off debt) and recommend personalized budgets and actionable savings plans. ◆ Ask about markets and investing: Get expert-like, personalized answers on investing based on your finances and markets.* ◆ Become an expert: ask WallyGPT about financial terms, how to save, invest, and improve your financial literacy. YOU’LL LOVE WALLY 4.0 - All new redesign ◆ Fully Automated: Securely connect from 15,000 banks from 70 countries: your checking, credit cards, savings, loans, investments, and crypto all in one place. ◆ Get Fin-Telligent: Simple and beautiful charts to help you dive into your spending patterns and set goals easily. ◆ Get Control: Use Wally’s insights to set budgets by category and easily track them daily ◆ Get Personal: Edit transaction categories, set monthly bills and subscriptions to repeat, and personalize your budget period, budget type and more. THE WALLY PROMISE - 100% Safe, secure, and private ◆ Safe: Wally DOES NOT collect or store your card information or username and password. Wally cannot make transfers, or payments or charge your card. ◆ Secure: Connecting your accounts to Wally is encrypted end-to-end, PCI compliant, ISO 27001 certified and GDPR compliant. ◆ Private: Wally never ever shares, sells, or rents your data. What’s yours is yours. Our promise since 2014. ------ Learn how Wally honors and protects your privacy at wally.me/privacy and wally.me/terms. For help, please reach us at hello@wally.me. * WallyGPT is an experimental chatbot and does not provide financial advice. ## Key features - AI-powered financial analysis - Automated bank account connection - Customizable budgeting - Spending pattern charts - Goal planning and savings plans - Financial literacy education ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Unlimited Teams | $9.99 | per year | | Advanced Categories | $5.99 | per year | | Custom Budgets | $5.99 | per year | | Essentials | $1.99 | per month | | Globetrotter | $2.99 | per month | | Wally Gold - Monthly | $8.99 | per month | | Wally Gold - Annual | $39.99 | per year | | Monthly Bank Account Linking | $2.99 | per month | | Wally Gold with Trial - Annual | $24.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Wally Gold - Lifetime | $99.99 | one-time | ## What do users think of Wally? Overall sentiment: negative **Pros** - 🚀 Intuitive and easy to use - 💡 Useful insights and analytics - 👍 Clean and modern interface - 🚀 Quick transaction entry **Cons** - 🐛 Frequent crashes and bugs - 🔍 Confusing navigation and UI - 🔍 Lack of customization options - 🔍 Missing key features from previous version **Commonly reported bugs** - Transactions not syncing accurately - Inability to change transaction dates - Accounts disappearing or not loading properly - Recurring payments not carrying over **Most requested features** - Ability to manually edit/delete transactions - Option to view account balances at a glance - Improved syncing and data migration from old version - Better customer support and communication ## Recent user reviews (10 of 53) All indexed reviews: https://appshunter.io/ios/app/wally-smart-personal-finance/id1178011327/reviews.md ### 1/5 — Horrible update *2024-01-18* I’ve been using Wally for a few years now and have appreciated it, until now! With the update I don’t think I lost transactions, but I did loose all of my notes in the transactions. I actually used those & referred to some of them monthly. I now only have my prior merchants A-B. All of the others are gone. I have to “add” a merchant almost every time because it doesn’t remember the “new” merchants I add. I’m not sure how many Safeway merchants have been added. I don’t want to add my bank accounts, I want to track my individual expenditures monthly. I can log into my bank accounts to see my balances. I also don’t trust the AI to not track me, not keep my bank info, ect. If you check the reviews, the only good ones are from years ago. I’m having problems similar to those who have written recent reviews. I don’t find any of the “update” notes to be true. At this point the app seems to be ruined. ### 4/5 — Small app that used to be useful *2023-11-09* I use this app to track my kids’ expenses and credits. For awhile it was a blast, and it was a huge improvement over a spreadsheet I was using. But over time the app has been changed so much and then went from small handy app to something else. The features that I use became less accessible, as the developer shifts visual elements around, and now the balance, the thing I need the most, is way lower on the list than ChatGPT (that I can not care less about), so as the product I like it as it was two years ago, not as it is now. It is still free and somewhat useful, but this morning I entered two transactions and they did not registered, which moved it to a category of app I will not use ### 1/5 — Ongoing bugs and looks like things just got worse. *2023-08-10* So, I’ve been using this app for about 3 years now and it seems the more the app had updates the more bugs I faced, however I’m at a breaking point with the most recent update. Seeing a new welcome screen and an entire remodel of the app would’ve made me think the Wally team finally squashed most of the bugs I faced, and yeah, there’s a smoother session. HOWEVER, upon re logging back in, somehow all of my information never loaded as if there was a gap in the data from a time period im unaware of. On top of that, the annoyance of being logged back out every other session is a nuisance. Now the worst thing? The fact the new update is so confusing. I can’t easily select my sub category without fighting with the menus and I used to have the default payment method up, now it resets to one I rarely use each time. But the fact I had transactions reappear that I deleted months ago is also confusing. This is how I’ve chosen to budget but I can’t keep going this route if the app is going to be an inconvenience . ### 1/5 — Major flaws *2022-11-06, version 3.5.10* I loved this app in the beginning as it was so great to see all my accounts in one place and set my budgets. BUT, the app is tracking each pending payment and then again when it hits, meaning my budget gets hit twice! It’s really flawed, and totally defeats the purpose of using this app. It also tracks every little 1 aed verification transaction. On top of that, it keeps getting locked out of my HSBC account and doesn’t pick up my HSBC credit cards - only my bank accounts. I have sent in feedback over the last couple of months, and never got a response. Disappointing as I see the potential! ### 2/5 — Needs a lot more improvement *2022-09-11, version 3.5.10* So the app does what it says. However, it constantly has an issue with the connection to your bank (I had synced to Emirates NBD in UAE) you need to keep reconnecting every once in a while. Been using it for about 4 months and given the constant need to reconnect, your tracking is not up to date as expected. Furthermore, when it syncs your accounts it always has a 3 day lag. Ie: what you spent today will appear on the tracker 3 days later. Can’t say I would recommend this app ### 3/5 — Good, but… *2022-08-06, version 3.5.10* For several months now, I've been experiencing synchronization failure notifications, in addition to being unable to see a credit card I have with one bank while seeing all other types of accounts with the same bank. I tried contacting the support team several times, and each time the support team acknowledges receipt but takes no action. ### 3/5 — App review *2022-04-08, version 3.5.9* Wally is practically standard to use as a budgeting app. The app itself and the appearance is very outlooking. Additionally, the app does a great job in organising things and is easy to know where things are located in the app. Also, there are several ways to look at the transactions (pie chart, graph chart, etc). It is easy to add transactions that are very specific (time, dates category, specific place - if the person turned on the tracking location). Lastly, there are many features like including notes and pictures of the receipt. However, there are some negative points of the app. First of all, the app is a bit hard to use on iPads (some of the buttons are covered but the keyboard). Second of all, the all frequently glitches and crashes when the screen moves onto the next thing, or when you try to add a transaction. Third of all, the app is usually slow when you press the buttons. But overall, I think it was quite easy to use the app. At last, some suggestions for the app/app company can be to first fix the glitching and the frequent crashes. Also, they can relocate some of the things so that the app is easy to use on not only phones, but different types of devices like ipads. Without these points, the app was great to use. ### 3/5 — Bugs *2022-01-09, version 3.5.6* This app needs to focus a little more on simplicity. I find myself using this app but only because I don’t really have an option, the other apps out there aren’t as straightforward. I don’t enjoy using Wally, it need a lot of work. The most frustrating thing with this app is the fact that EVERY TIME you push a new update to the app, I lose all the categories I had hidden. I’ve raised this as an issue in your app multiple times over the past year and no one got back to me or fixed it. ### 1/5 — Not responsive - no help, no instruction, totally random *2021-12-08, version 3.5.3* This is the biggest piece of crap - now it refreshes from linked accounts but doesn’t recognize its source so expenditures and income are ‘not assigned’ - and there is no way to link w current accounts?!?! You have to add new!!!! What a mess this app is!!! Fix or quit taking peoples money! I’ve written endless comments which is the only way to contact and hear nothing from them. My accounts are wrong or doubled ans you can only see in one currency even if you have access to more than one. No ability to label your accounts, nicknames - I’m really sorry I paid for this ### 3/5 — Easy to use but missing key old features *2021-11-30, version 3.5.2* I’ve been a fan of this app since I first downloaded it and have been using it weekly, if not daily. Unfortunately, I just updated it to its latest version and one of the features I liked the most has disappeared, the one that automatically calculates your net earnings every month. It was under the category of “Spending” but I can’t find it anymore. There’s not even a place anymore where I can look at all the earnings I’ve been tracking, which is sort of pointless considering this is an app to track how much you spend and earn. Is there a way those features can be brought back? Thank you! ## Frequently asked questions about Wally ### What does Wally: Smart Personal Finance do? This app acts as a personal finance AI assistant. It helps you track your spending, set and monitor daily budgets, and provides personalized insights and advice through conversational AI. You can securely connect your bank accounts to see all your financial information in one place. ### What are the key features of Wally: Smart Personal Finance? Key features include AI-powered conversational financial analysis, goal planning with personalized budgets and savings plans, automated connection to over 15,000 banks worldwide, simple spending charts, and customizable daily budget tracking. It also offers features to improve financial literacy. ### Is Wally: Smart Personal Finance free to use? The application is described as a freemium model, meaning there is a free version with core functionalities and likely a premium version (Wally Pro) that unlocks advanced features or removes limitations. Specific pricing details for Pro are not provided in the description. ### What devices is Wally: Smart Personal Finance compatible with? The application is designed for mobile use, as indicated by its nature as a mobile application. It supports secure connections to banks from 70 countries, suggesting broad international compatibility for users with accounts in those regions. ### How does Wally: Smart Personal Finance ensure privacy and security? The app emphasizes 100% safety, security, and privacy. It does not collect or store card information or login credentials, cannot make transfers or payments, and uses end-to-end encryption. It is PCI compliant, ISO 27001 certified, GDPR compliant, and promises never to share or sell user data. ## Version history (last 5 releases) ### 4.0.3 — 2023-08-31 New WallyGPT Features: - Actions: now you can tell WallyGPT to add transactions, accounts, and help you create budgets. - Thoughts: get contextualized feedback across the app from WallyGPT - Personalized Questions: get the conversation started with personalized questions based on your data. - Follow-Ups: WallyGPT can recommend follow-up questions that help you dig deeper - Chat History: access your chat history and get the conversation restarted. - New redesign And of course, a lot of bug fixing! ### 4.0.2 — 2023-07-03 Hey budgeteer! Welcome to 4.0.1 - free of pesky bugs. Here’s the quick rundown: - “Other account” has ended its hide-and-seek game in the manual account setup. Peekaboo! - Business search now respects your typing. No more vanishing acts when you hit enter. - Our “Okay” button underwent a mood swing. Goodbye red-rage, hello green-zen. - We wrestled the continuous logout monster to the ground. Enjoy interruption-free contemplation. - MISSING_OR_INVALID_USERNAME got the pink slip. Security is relaxed. - We escorted the grey screen out. No more uninvited color schemes. - Couldn’t add decimals to transactions? Apologies to coffee lovers everywhere. Decimal precision: returned. - And lastly, Merchant names aren’t the boss anymore. Now, it’s your call. There you go! WallyGPT 4.0.1: fewer bugs, more fun. Let the smooth budgeting begin! ### 4.0.1 — 2023-06-29 Hey budgeteer! Welcome to 4.0.1 - free of pesky bugs. Here’s the quick rundown: - “Other account” has ended its hide-and-seek game in the manual account setup. Peekaboo! - Business search now respects your typing. No more vanishing acts when you hit enter. - Our “Okay” button underwent a mood swing. Goodbye red-rage, hello green-zen. - We wrestled the continuous logout monster to the ground. Enjoy interruption-free contemplation. - MISSING_OR_INVALID_USERNAME got the pink slip. Security is relaxed. - We escorted the grey screen out. No more uninvited color schemes. - Couldn’t add decimals to transactions? Apologies to coffee lovers everywhere. Decimal precision: returned. - And lastly, Merchant names aren’t the boss anymore. Now, it’s your call. There you go! WallyGPT 4.0.1: fewer bugs, more fun. Let the smooth budgeting begin! ### 4.0.0 — 2023-06-14 An all-new Wally, powered by WallyGPT. Track and manage your finances with the power of AI. It’s simple, powerful, and fun! ### 3.5.11 — 2023-01-11 Bug fixes and improvements ## Apps similar to Wally | App | Rating | Price | Category | | --- | --- | --- | --- | | [Weekly: Budget Planner App](https://appshunter.io/ios/app/weekly-budget-planner-app/id1460038809) | 4.8 (3,582) | Free | Finance | | [Spending Tracker - Budget App](https://appshunter.io/ios/app/spending-tracker-budget-app/id1525179720) | 4.6 (667) | Free | Finance | | [Goodbudget Budget Planner](https://appshunter.io/ios/app/goodbudget-budget-planner/id471112395) | 4.6 (13,125) | Free | Finance | | [YNAB](https://appshunter.io/ios/app/ynab/id1010865877) | 4.8 (60,358) | Free | Finance | | [Money Manager : Budget Planner](https://appshunter.io/ios/app/money-manager-budget-planner/id1437733853) | 4.8 (1,824) | Free | Finance | | [Dollarbird - Budget Calendar](https://appshunter.io/ios/app/dollarbird-budget-calendar/id1214299218) | 4.7 (3,464) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*