Tendi vs Wally AI

Tendi is your private money coach — and it lives entirely on your iPhone. No bank logins. No account to create. No data sent to a server. Tendi turns messy household finances into clear weekly wins, using a serious financial engine wrapped in something that actually feels good to open. This is Tendi v2, rebuilt from the ground up for privacy, speed, and momentum. KNOW WHERE YOU STAND Your Financial Health Index (FHI) scores your household from 0 to 100 across seven pillars: cashflow, debt load, emergency fund, savings momentum, goal clarity, family alignment, and habits. See what's holding you back — and the single fastest move to raise your score. MUTILATE YOUR DEBT Turn payoff into something you'll actually do. The Debt Mutilator models your real debts as "bosses," compares the Avalanche (APR Assassin) and Snowball (Momentum Mutilator) strategies, and shows your debt-free date, total interest, and how much future interest a small extra payment prevents. Slide the extra-payment dial and watch the math change in real time. WIN WEEKLY MONEY MISSIONS Small, finishable, and aimed at your biggest opportunity. Subscription purges, emergency-fund seeds, no-spend weekends, debt strikes — each mission shows its impact before you start and celebrates when you finish. Build a streak. Keep the momentum. YOUR ON-DEVICE AI COACH Ask real questions, like "Can we afford an extra $50 payment this week?", and get grounded answers based on your actual numbers. Powered by Apple Intelligence on supported devices, with a smart deterministic coach that keeps working even when AI isn't available. The coach never guesses at your math — it uses Tendi's tested finance engine. IMPORT STATEMENTS, PRIVATELY No bank connection required. Import a PDF, scan a paper statement with your camera, or load a CSV — everything is read on your iPhone. Tendi finds your transactions, categorizes them, and detects recurring charges without uploading a thing. Raw files are deleted after you review. PLAN AS A FAMILY Add household members, set shared goals, and run family money missions together. Money decisions are easier when everyone is pulling the same direction. PRIVATE BY DESIGN - No bank connection required - No Tendi account, no server, no remote AI - Statements processed on-device and deleted after review - Optional Face ID app lock - Encrypted backups you control - Sanitized share cards — celebrate wins without revealing balances Tendi is an educational financial planning tool. It is not investment, tax, or legal advice, and your FHI is not a credit score. Membership unlocks unlimited missions, more monthly statement imports, the family mission board, and the full AI coach. Your first month is free. Start where you are. Make one small move this week. Watch it add up.

Wally is your AI agent for money. Ask it to cancel a subscription, watch a bill or plan your month, and it does the work, with your budget, savings and investments in one place. Bring your banks, credit cards and brokerages together through Plaid in about a minute. Wally reads everything, read-only, always, then gets to work. It works with banks and credit unions across the US and Canada. SEEING WHAT WALLY FINDS IS FREE • Subscriptions and recurring bills in your accounts, and in Gmail or Outlook if you connect them • Price hikes, duplicate charges, free trials about to charge and bank fees, like overdraft and monthly account fees • Bills before they charge, and a budget built from your own usual spending PREMIUM: WALLY DOES THE JOB • Cancels subscriptions in its own browser while you watch, then checks your statement. You sign in yourself; your password goes to that company, never to Wally • Asks your bank's chat or secure messages for a one-time courtesy refund of a fee (not guaranteed) • Runs the checks and reminders you set in chat until you say stop ALSO IN WALLY • Agents that watch around the clock: overspend warnings, bill watch, low-balance guard, payday planner, stock move watcher • Budgets that build themselves and warn you before you blow them • Better rates and fewer fees, found in your own accounts: high-yield savings, no-fee plans, lower-rate options • Debt tracked, with refinancing flagged the moment it is worth moving • Investments tracked, with a full page for every stock and research argued bull and bear • Add anything by hand: cash, accounts, recurring bills and your own categories • Cash-flow forecasts so bills never surprise you • Ask Wally anything about your money and get answers grounded in your real data WHY WALLY IS DIFFERENT Tracking apps show you your money but do not act on it. Generic AI chatbots cannot see your accounts. Your bank only sells you its own products. Wally reads your real numbers and does the work for you. BUILT TO BE TRUSTED • Read-only, always: Wally can look but never move your money • Bank-level 256-bit encryption • Credentials go straight to your bank via Plaid; Wally never sees them • When Wally signs in to cancel something, your password goes to that site, never to Wally • No ads, no data selling, no kickbacks: Wally answers to you alone • Cancel anytime, export your data whenever you like Download Wally and put your AI money agent to work. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/