Wally vs Allo

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

Allo turns your monthly spending target into one clear daily budget. See what you can spend today, stay on pace through the month, and watch the money you don’t spend add up. HOW IT WORKS Enter your monthly take-home income and choose how much you want available to spend. Allo turns that into a single daily number: what’s left to spend today. Connect supported bank notifications through Shortcuts and Allo can capture purchases automatically. Clear purchases are logged with their amount and merchant, while anything uncertain stays ready for you to review instead of being guessed. Allo remembers confirmed merchant categories, supports your own keyword rules, and, on eligible devices, can use Apple Intelligence on-device to categorize unfamiliar merchants. Not on iOS 27 yet, or prefer not to use Shortcuts? You can add and edit purchases manually at any time. WATCH THE LEFTOVER ADD UP Come in under your daily budget and Allo tracks the difference. Go over on another day and your running total adjusts with you. The Saved view shows how much spending money has made it through completed days, alongside the amount already reserved by your monthly plan, so you can see what you’re on track to save. SEE WHERE IT WENT See your monthly spending pace, category totals, purchase history, and money left over without maintaining a separate budget for every category. SPLIT PURCHASES FAIRLY If someone pays you back, record the repayment directly on the original purchase. Allo keeps the full charge for your history but counts only your final share toward your spending. WIDGETS AT A GLANCE Home Screen and Lock Screen widgets keep today’s budget visible without opening the app. CATEGORIES Groceries, Dining, Transport, Shopping, Bills, Subscriptions, Health, Entertainment, Travel, Home, Personal Care, Other. PRIVATE BY DESIGN Your budget settings, purchases, repayments, categories, and captured bank-alert text are stored locally on your device. Merchant classification uses Apple’s on-device model when available. Allo has no account system, advertising SDK, analytics SDK, or app backend. Requires iOS 18 or later. Automatic bank-notification capture requires iOS 27 or later. On-device merchant classification requires iOS 26 or later, an eligible device, and Apple Intelligence enabled.