The AI that helps you make smarter money moves.
Connect your accounts. Wally finds the opportunities — $4,800+ on average.
Built on trusted infrastructure
Your money is in serious company.
01How Wally works
Three things no other app does — at the same time.
That's the whole moat. Tracking apps see your money. ChatGPT knows the market. Only Wally does both — and connects the dots, for you, every day.
Wally sees everything.
Every account. Every transaction. Every bill. Every recurring charge. Every balance earning 0%. Across every bank, card, brokerage, and lender.
“Even your bank can't see this much.”
Wally knows the market.
Every checking account. Every high-yield savings rate. Every credit card reward. Every fund fee. Every tax credit and deduction. Updated daily.
“ChatGPT doesn't have this. Mint won't tell you.”
Wally matches the two — for you.
Hyper-personalized recommendations, calculated against your real data: switch this card, move that cash, claim this credit, kill that sub. Numbers, not advice.
“Like a CFO. For less than a latte a month.”
02What you get
A complete money OS — in your pocket.
Wally isn't just a recommender. It replaces your tracker, your budget app, your goal app, your subscription canceller, your bill negotiator, and your finance chatbot — in one place.
Connect your accounts
Plaid-secured, read-only. 60 seconds. Banks, cards, brokerages, loans.
See your full picture
Net worth, cash flow, every transaction — categorized and live.
Get personalized recommendations
Wally cross-references your data with the live market and surfaces dollar-quantified actions.
Tap to take action
Open the better account, switch the card, cancel the sub. Wally walks you through.
Everything inside
Twelve tools. One subscription.
All your accounts
Checking, savings, cards, loans, brokerages — one number that updates as balances change.
Smart categorization
Every transaction auto-tagged. Rename a merchant once, Wally remembers forever.
Budgets that flex
Set limits per category. Wally warns you before you blow them, not after.
Goals that move with you
Emergency fund, down payment, vacation. Wally allocates surplus automatically.
Recurring detection
Every subscription and bill, surfaced. Spot the zombie charges, kill them in a tap.
Investments dashboard
Holdings, performance, fees. Wally flags overpriced funds and tax-loss harvesting opportunities.
Cash-flow forecasts
What's hitting your account in the next 30 days. No more surprise overdrafts.
Action inbox
Bills due. Refunds available. Rate hikes. Wally tells you what needs you, when.
Receipts & warranties
Snap a receipt, Wally files it. Get notified before warranties or returns expire.
Chat with Wally
“Why did I spend more last month?” “Can I afford this?” Real answers, your data.
Bill negotiation
Phone, internet, insurance. Wally re-shops the market and handles the call.
Bank-level security
Read-only access. 256-bit encryption. We never sell your data. Cancel anytime.
02Live demo
Talk to your money like a co‑pilot.
Ask anything. Get answers. Take action — all in plain English. Wally reads your transactions, spots patterns, and nudges you toward smarter decisions.
03The opportunities
Ten ways Wally puts more money in your pocket.
Each recommendation is calculated against your real accounts and the live market. No generic tips. Just specific, dollar-quantified recommendations — and Wally will help you execute them.
Switch to a better cashback card
Wally reads your spend pattern and matches it to the best card on the market.
Move idle cash to high-yield
$10K in checking earns $0. The right HYSA earns $400+.
Cut your phone, internet & insurance
Wally compares your bills to market rates and negotiates.
Kill zombie subscriptions
Forgotten charges quietly draining your accounts.
Tax breaks you missed
Saver's Credit, EITC, deductions you qualify for.
Lower-fee funds & better robos
0.5% fees compound to thousands. Wally finds cheaper.
Refi or consolidate debt
Wally watches rates daily and tells you when to move.
Card perks you forgot you had
Lounge access, statement credits, travel insurance, rentals.
Insurance you're overpaying on
Auto, renter, life — re-shopped against the market.
Refunds you never claimed
Price drops, late deliveries, disputed charges, double bills.
04The Wally promise
Your data is yours. Always.
We make money from a simple subscription — not by selling your financial life to advertisers. Read every word of our promise.
Encrypted end-to-end
AES-256 encryption at rest. TLS 1.3 in transit. SOC 2 Type II compliant infrastructure.
Plaid-secured connections
Your bank credentials never touch our servers. Plaid handles the link — like Venmo, Robinhood, and Chime.
Never sold or shared
Your data is yours. Period. No ads. No data brokers. Just a subscription that respects you.
Cancel anytime
No contracts. No fees. Export your data on the way out. We'd rather earn your trust than trap you.
05Why not the others
What other apps can't do.
Trackers see your money but don't recommend actions. ChatGPT knows the market but can't see your data. Your bank only sells you their products. Wally is the first AI that does all of it — together.
| Capability | Wally AI personal CFO | ChatGPT Generic AI | Mint / Copilot Trackers | Rocket Money Sub canceler | Your bank Conflict of interest |
|---|---|---|---|---|---|
| Sees all your accounts | |||||
| Knows every product on the market | |||||
| Recommends better banks, cards & HYSAs | |||||
| Finds tax breaks you missed | |||||
| Cancels zombie subscriptions | |||||
| Negotiates your bills | |||||
| Updates daily, automatically | |||||
| Personalized to your real data | |||||
| Refund hunting (price drops, late deliveries) | |||||
| Talks to you in plain English |
But couldn't I just ask ChatGPT?
Try it. Ask ChatGPT “should I switch credit cards?” It'll give you generic advice based on nothing.
Now ask Wally. It already knows you spent $4,200 on groceries last year on a 1% cashback card. It knows the Amex Gold gives 4%. It calculates the exact upside (+$168/yr), accounts for the annual fee, and tells you whether to switch.
ChatGPT is a calculator. Wally is your CFO.
06Pricing
$70 to find $4,800.
Wally Premium pays for itself many times over. The average member finds $4,800+ in savings opportunities. That's a 68× return on a $69.99/year subscription.
Billed $69.99/year · cancel anytime
Member ROI math
That's a 68× return.
7-day free trial · No credit card to start · Cancel anytime
Everything included
The Wally Promise
Find $100 in 30 days or it's free.
No fine print. If Wally doesn't surface at least $100 of subscriptions, fees, or savings opportunities in your first month, we refund your subscription. We're that confident.
Still on the free tier?
Wally has a free tier — but Premium is where the opportunities live. Members who upgrade find 10× more than free users.
FAQ
Frequently Asked Questions
Find the money you're leaving on the table.
Connect your accounts in 60 seconds. Find $100 in 30 days — or your subscription is free.
Your AI co-pilot
Stop guessing. Start knowing. Wally turns financial chaos into calm.