# WAM Wallet > Free personal finance manager and mortgage preparedness tool with credit monitoring. (iPhone/iPad app by What's a Mortgage, Inc..) - Source: https://appshunter.io/ios/app/wam-wallet/id6446258398 (this page in markdown: same URL + `.md`) - Developer: [What's a Mortgage, Inc.](https://appshunter.io/developer/1676996008) - Category: Finance - Price: Free - Rating: 4.69/5 from 16 App Store ratings · 7 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 128 MB - Released: 2023-04-25 - Data updated: 2026-06-10 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/wam-wallet/id6446258398/reviews.md ## What is WAM Wallet? WAM Wallet is a free, comprehensive financial management and mortgage preparedness app designed to help you achieve your financial goals and prepare for homeownership. This app is perfect for anyone looking to take control of their finances, build wealth, and prepare for one of the biggest financial investments of their lives - buying a home. Organize in one place: Your WAM Wallet dashboard summarizes important financial information such as: account balances, transactions, net worth, budgeting, credit score, cash flow analysis, estimated home value, spending analysis and an information center with personal finance articles and videos, all in one place. Budgeting: Understand what you are spending and where. Track your spending by categories and drill down into subcategories. Receive alerts if you are off track or confirmation if you are on track. Free Credit Score, Report and Monitoring: Your credit score is prominently displayed in your dashboard - and it doesn't cost you anything. Track changes month to month and learn the key factors that make up your score like length of credit, timely payment history, utilization of credit, total accounts opened and inquiries. Don't worry, this is a "soft credit pull" meaning there is no impact to your score by checking it. Look through your credit report for accuracy. Access helpful articles that explain credit bureaus, credit score, and more. Prepare: Work with What’s A Mortgage to best prepare you for home ownership by planning for a down payment, establishing reserves, managing your debt to income ratio, improving or maintaining your credit, loan scenarios through our calculators, establish your projected loan to value, and more. Visit the readiness assessment in your app to see a snapshot of your credit overview, debt to income ratio, cash reserves, employment, down payment and sales price. Search Properties: Looking for your first home? Want to move up, or downsize? Use your locker to search local and nationwide real estate listings. Find homes that match what you can afford. See open houses, customize searches, favorite properties you like and save your searches. Share: When you are ready to move forward with a financial transaction, you choose what accounts to share with your financial institution. All data is always encrypted. Security: Security is our #1 job so you can feel confident that the financial accounts you’ve connected and documents you’ve uploaded are secure. See more here: https://www.finlocker.com/security/ Privacy: Your privacy is important to us. To learn how we protect your privacy, visit: https://www.finlocker.com/privacy-policy/ ## Key features - Financial dashboard - Budgeting and spending analysis - Free credit score and report - Mortgage preparedness assessment - Real estate property search - Secure data sharing ## Recent user reviews (7 of 7) All indexed reviews: https://appshunter.io/ios/app/wam-wallet/id6446258398/reviews.md ### 1/5 — The invitation code. *2023-07-28* You can’t use the app if your not invited and the instagram ad doesn’t mean your invited I guess. They also aren’t responding to tons of peoples comments asking about it either. ### 5/5 — Great App! *2023-06-09* Saw this from the instagram page. Looks so intuitive and very helpful for overall financial understanding of where you are and how ready 5/5 stars ### 5/5 — A One Stop Shop For Homeowner Financial Preparedness *2023-05-22* Although this app is directly geared towards mortgage preparedness, it really gives you an intimate look at your current financial footprint and where you stand when it comes to purchasing a home, or managing your current mortgages. I really love the user interface and overall it’s a great one stop shop for me to keep track of where I’m at when it comes to purchasing my next home! Love how it connects you with minh too! ### 5/5 — Great all in one financial app *2023-05-21* Good app with useful financial, credit and home valuation feature. No more flipping and signing in between a few websites to get these information 😌. ### 5/5 — Game Changer!! *2023-05-21* One of those apps where once you have it, you wonder how you got by without it! Must have info in 2023! ### 5/5 — Great tool! *2023-05-11* Super helpful for managing your finances all in one place, gives tips, user-friendly. Love it ### 5/5 — Love this app!!!! *2023-05-11* So helpful to prepare for home buying. Love the home search capability. The UI is really great as well!! ## Frequently asked questions about WAM Wallet ### Does WAM Wallet have ads? Yes, WAM Wallet contains advertisements. As a free application, it utilizes ads to support its services. ### What is the security like for WAM Wallet? WAM Wallet prioritizes security, encrypting all shared data and ensuring connected financial accounts and uploaded documents are secure. More details can be found at https://www.finlocker.com/security/. ### How often is WAM Wallet updated? The latest version of WAM Wallet is 4.12.1, which was last updated on May 20, 2025. This indicates a relatively frequent update schedule. ### What devices support WAM Wallet? WAM Wallet is available on iPhone, iPad, and iPod devices, making it accessible to a wide range of Apple users. ### What are the key financial metrics WAM Wallet tracks? WAM Wallet tracks account balances, transactions, net worth, budgeting progress, credit score, cash flow, estimated home value, and spending analysis. ### Is the credit score check in WAM Wallet a hard or soft pull? The credit score check in WAM Wallet is a soft credit pull, meaning it will not impact your credit score when you check it. ### Can I search for homes within WAM Wallet? Yes, WAM Wallet includes a feature to search for local and nationwide real estate listings, allowing you to find homes that match your affordability. ### What is the age rating for WAM Wallet? WAM Wallet has an age rating of 4+, making it suitable for a broad audience. ## Version history (last 5 releases) ### 4.12.1 — 2025-05-20 Fix data sharing popup scrollable issue under large text ### 4.12 — 2025-05-14 Readiness, credit, property and financial account on boarding improvements for a better user experience. Readiness snapshot interface improvements and affordability calculator integration allows users to update values to see changes in real time! ### 4.11.1 — 2025-04-29 Accessibility improvement ### 4.11 — 2025-04-09 Dashboard and financial account enrollment experience enhancements! ### 4.10 — 2025-03-29 Expanded property enrollment capability- enroll up to 20 properties and track trends! Explore further readiness and affordability improvements. Bugs? Squashed! --- *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.*