Monthly plan
Know what's left to allocate
Income minus expenses, savings, investments and debt payments. One number for what's still unassigned, with an On plan or Over-committed verdict.
Personal finance planner
Your money plan, month by month.
Plan every month and see how you're doing, in any currency.
- No bank connection
- 8 currencies
- Multilingual
This month
Net worth today$48,210
- Rent$1,450Paid
- Electricity$62–110Due
- Spotify€10.99Overdue
- Car loan$320Paid
The problem
Most money apps tell you what happened. Not whether you're on track.
Tracking isn't planning
A list of last month's spending says nothing about this one. Walleto starts from the plan.
Saving isn't spending
Money you save or invest is still yours. Walleto counts it apart, so what's left over is real.
Life happens in more than one currency
Paid in dollars, rent in pesos, a subscription in euros. Every amount keeps its own currency.
How it works
Three steps to a plan you trust.
Set up your plan in minutes
A guided setup suggests categories and subscriptions with local prices.
Walleto keeps the ledger
Recurring payments log themselves. You only touch what changed.
Decide with real numbers
See what's left, what's due and how long your savings last.
What you get
Everything a monthly plan needs.
Plan vs. paid
This month, as a checklist
Every planned payment is Overdue, Due or Paid. If it came in at a different amount or on another day, you see both.
Variable expenses
Bills that never cost the same
Give electricity or groceries a floor and a ceiling. Switch between best, average and worst case.
Multi-currency
Every currency, one total
USD, EUR, MXN, GBP, SEK, CHF, JPY and COP. Each amount keeps its original currency; totals convert and are marked with ≈.
Net worth
What you're worth, today
Investments plus savings minus what you still owe. Update an account's value now and then, and Walleto works out the gain.
Simulator
If your income stopped today
Emergency mode shows how many months your savings would last. What-if shows what cancelling subscriptions would free up.
Details
And the details that make it yours.
Organise your way
Categories, tags and payment methods.
Privacy mode
Hides every amount behind ****.
Light and dark
A calm light theme and a neon dark one.
English, Spanish and Portuguese
With your own date and number formats.
We never connect to your bank
Every figure is one you typed in.
No ads, no selling data
Your information is used only to run Walleto.
Secure sign-in
Auth0 sign-in, data encrypted and stored in Google Cloud.
Built in the open
Walleto's code is public. Read how every number is calculated.
Questions
Does it connect to my bank?
No. You type every figure yourself, and recurring payments are logged automatically. No third party ever holds your bank credentials.
Which currencies does it support?
USD, EUR, MXN, GBP, SEK, CHF, JPY and COP. Amounts keep their original currency; totals convert into the one you pick.
Does it work on my phone?
Yes. Walleto works in your phone's browser as well as on desktop.
How is it different from an expense tracker?
An expense tracker looks back. Walleto starts from your plan, counts savings, investments and debts on their own, and tells you whether this month is on track.
Can I delete my data?
Yes. Write to us from the privacy policy and we'll delete your account and its data.
Set up your plan today.
It takes a few minutes, and you can change everything later.
Sign in