The AI layer for your money.
Bring your accounts and brokerages together. Wally's AI layer reads them — then it budgets, saves, invests, and runs agents you build. It never moves your money.
The infrastructure behind your money
How it works
Three things no other app does at the same time.
Tracking apps see your money. ChatGPT knows the market. Only Wally does both — then connects the dots for you, every day.
Bring it together
Banks, cards, and brokerages connect through Plaid in about a minute. Credentials go to your bank — Wally never sees them.
Read-only, always.
The AI layer reads it
Every figure is measured against your own usual — landing, never linear pace. First insights land within minutes.
Judgments, not data dumps.
Four outcomes, one layer
It budgets, saves, invests — and runs agents you build in plain words. Everything proposes; you confirm; everything undoes.
Budget · Save · Invest · Agents.
What you get
A complete money OS, in your pocket.
Wally replaces your tracker, budget app, goal app, and finance chatbot — one AI layer, one subscription. Read-only, always.
All your accounts
Checking, savings, cards, loans, brokerages — one live number.
Smart categorization
Every transaction auto-tagged. Rename a merchant once; Wally remembers.
Investments dashboard
Holdings, movers, income — and research on any stock, bull and bear, argued.
Cash-flow forecasts
What's hitting your account in 30 days. No surprise overdrafts.
Budgets that flex
Per-category limits. Wally warns you before you blow them, not after.
Goals that move with you
Emergency fund, down payment, vacation — surplus allocated automatically.
Recurring detection
Every subscription surfaced. Price hikes and trials flagged early.
Receipts & warranties
Snap a receipt; get pinged before returns or warranties expire.
Action inbox
Bills due, refunds available, rate hikes — what needs you, when.
Chat with Wally
“Can I afford this?” Real answers, grounded in your data.
Agents you build
Cap sentinels, payday planners, symbol watchers — designed in plain words.
Bank-level security
Read-only, 256-bit encryption. Never sold. Cancel anytime.
Live 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.
Where the money is
Savings hunted across 5,000+ institutions.
Every find is measured against your real accounts — dollar-quantified, with the steps written out. You make the move; Wally keeps the receipt when you bank the save.
Switch to the no-fee plan
Wally reads the fees you pay and finds plans your balance already qualifies for.
Move idle cash to high-yield
$10K in checking earns $0. The right account earns $400+ — Wally shows the route, you make the move.
Refinance or consolidate debt
Wally watches rates daily and tells you the exact moment it's worth moving.
Cut phone, internet & insurance
Trials caught before they convert
Duplicate charges & gray fees flagged
Lower-fee funds & robos
Card perks you forgot you had
Insurance you're overpaying on
Partial refunds spotted
Security & trust
Your data is yours. Always.
Wally makes money from a simple subscription — never by selling your financial life to advertisers.
Encrypted, end to end
Encrypted connections and storage, with internal access to personal data strictly limited.
Plaid-secured connections
Your bank credentials never touch our servers — the same link Venmo, Robinhood, and Chime use.
Never sold or shared
Your data is yours. No ads, no data brokers — just a subscription that respects you.
Read-only, cancel anytime
Wally can look but never move your money without you. Export and leave whenever you like.
No ads. No kickbacks. Never sold.
Your subscription is Wally's only revenue. No ads, no selling your data, no kickbacks from banks — every recommendation answers to you alone. Cancel anytime.
- Cancel anytime
- Export your data
- No contracts
- No hidden fees
Why 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 | Best Wally The AI layer | 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 | |||||
| Savings hunted across 5,000+ institutions | |||||
| Calls the month before it lands | |||||
| Agents you build in plain words | |||||
| Updates daily, automatically | |||||
| Personalized to your real data | |||||
| Warned before the fee — not after | |||||
| 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 your month — what landed, what's still to come, and what your usual looks like. Every answer is measured against your own numbers, with the evidence named (“we checked 14 transactions”) — and it never moves your money.
ChatGPT can guess. Wally knows your numbers.
Pricing
Wally works on one plan.
Budget, save, invest — plus the agents you build. One subscription runs all of it, and keeps Wally independent: no ads, no selling your data, no kickbacks.
Billed $69.99/year · cancel anytime
What the subscription buys
Independence is what the subscription buys.
Billed by Stripe · cancel anytime
Everything included
Four outcomes. One plan.
- A budget that builds itself — and watches itself
- Savings hunted across 5,000+ institutions
- Research any stock — bull and bear, argued
- Agents for the work you want done
- Ask Wally anything about your money
Wally can look but never move your money. Credentials go to your bank via Plaid — Wally never sees them.
Why one plan?
Your subscription is Wally's only revenue. No ads, no selling your data, no kickbacks — every recommendation answers to you alone.
FAQ
Questions? Answered.
Everything worth knowing before you connect your accounts.
Still curious? Talk to usThe AI layer for your money.
About a minute to connect. First insights land within minutes — then Wally budgets, saves, and invests alongside you.
7-day free trial · Bank-level encryption · Read-only · Cancel anytime
Your AI money co-pilot
Stop guessing. Start knowing — and keep more of what you earn.