Our approach
Money habits that stick, one small step at a time.
Walley is built around one idea: if logging money takes less than ten seconds and feels rewarding, people keep doing it, and everything else follows. Here is how every part of the product serves that idea.
capture in seconds
Friction kills habits, so Walley gives you five ways to record a transaction, and each takes seconds.
- Type it: amount, category, payment method, note and date in one screen.
- Scan it: photograph a receipt and the AI reads the merchant, total and line items, then attaches the image as evidence.
- Say it: speak naturally and Walley drafts the entry for you to confirm.
- Ask it: describe spending in plain language in chat and confirm the extracted transactions.
- Let it listen (Android, opt-in): payment SMS and banking notifications become draft entries on your phone, never uploaded.
organise without effort
Categories, payment methods and currencies are set up once and suggested automatically after that.
- Expense and income categories with icons and colours, fully editable.
- Payment methods such as cash, cards and mobile wallets, with a default you can change.
- Multi-currency support with a single display currency; foreign amounts convert using cached exchange rates.
- Attach receipts, invoices and PDFs to any transaction, with searchable descriptions.
plan with budgets and goals
A budget in Walley is a gentle guardrail, not a punishment. Goals turn saving into a visible finish line.
- Category budgets by week, month or custom period with live progress bars.
- Alerts before you cross a limit, not after, so you can adjust.
- Savings goals with a target, deadline and progress you can top up any time.
- A subscription catalogue that recognises recurring services and warns you before renewals and trial conversions.
track who owes whom
Money lent to a friend or borrowed from family is real money. Walley keeps a proper ledger for it.
- Record loans in both directions with the person, amount and due date.
- Link repayments to the loan so the outstanding balance is always right.
- See total lent, total borrowed and what is overdue at a glance.
understand your cash flow
Numbers only help when you can see the pattern. Insights turn your ledger into answers.
- Spending and income by category, period and payment method.
- Trend charts that compare this month to the last, and this year to the last.
- A home-screen widget with today's spend and quick add.
- Everything computed on your device, instantly, with or without a connection.
stay consistent
Walley uses the mechanics of good games to make the boring part, logging every day, feel good.
- Daily streaks and an activity heatmap that show your consistency.
- XP, levels and badges for milestones like your first budget or a month without overspending.
- Reminders you design: daily summaries, budget warnings, quiet hours honoured.
- Walley the duck, who celebrates wins, delivers challenges and never shames you for a missed day.
coaching from the AI
The AI coach reads your patterns, answers questions about your money and suggests what to do next. It is designed privacy-first.
- Chat about spending, budgets and goals; get forecasts and a savings plan.
- Consent is off by default. Nothing is sent until you turn the coach on.
- Emails, phone numbers, card numbers and reference numbers are removed on your device before any request. Merchant names, notes and goal names are replaced with tokens unless you choose to share them.
- A disclosure log in the app shows you every payload that was sent, word for word.
- Free users get a daily allowance; Premium unlocks more.
protect by design
Walley cannot move your money, and we built it so that we cannot read it either.
- Local-first: your transactions live in an encrypted database on your phone, not on our servers.
- Optional biometric or PIN lock for the app.
- No advertising or analytics SDKs, and no API keys inside the app that could be extracted.
- Every permission (camera, microphone, notifications, SMS) is requested only when its feature is used, and explained in plain words.
back up on your terms
Because your data lives on one phone, Walley Premium gives you a way to keep it safe that still keeps us out of it.
- End-to-end encrypted backups of all data and attachments to your own Google Drive app folder, protected by a recovery code only you hold.
- One-tap restore on a new device.
- Safe storage: attachments survive even when their transactions are deleted.
- BitByte Lab never has access to your backup contents.
free and premium
Everything you need to track, budget and plan is free. Walley Premium, available as a monthly, yearly or one-time lifetime purchase through Google Play, adds encrypted backups, safe attachment storage and a larger AI allowance. Prices are shown in the app in your local currency and can be cancelled any time through Google Play.