Tendi vs Wally

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 keeps your budget on your phone. There's no bank login and nothing to sync. Tell it when you get paid and how much, and your balance moves on payday without you touching it. Add the accounts you actually use, checking or savings or cash, set the opening balance once, and Wally keeps it current as you log what you spend. Put your monthly bills in with their due dates and it reminds you before they land. Spending goes into categories you make yourself. Three questions and the category exists; the fiddly settings are there when you want them and out of the way when you don't. The charts show what came in against what went out, and how fast a budget is running down rather than only how much is left. Pay with your phone and Wally can pick the purchase up on its own, ready for you to check or already filed. If you share money with someone, a household budget puts the same categories in front of both of you. There's an assistant built in that reads your own numbers and answers questions about them: How much can I save this month? Where am I overspending? What should I cut first? You can lock the whole app behind Face ID. Wally speaks English, German, Spanish, French and Portuguese. Terms of Use: https://wallybudgeting.app/terms Privacy Policy: https://wallybudgeting.app/privacy