Budget app: Set it on a Sunday. Keep it on a Tuesday.
Wealtie is a budget app for iPhone and Android: one spending limit, one income goal, a warning while there’s still time to act on it, and a streak for every month you keep. No bank login.
Most budgets are abandoned, not broken
Setting a budget takes an evening. Keeping it takes thirty ordinary days in a row, and nothing in a spreadsheet notices whether you did.
Then the month ends, the total is wrong, and the only lesson on offer is that you should have known on the 16th.
So Wealtie is built around the keeping: a forecast in the middle of the month, and a count at the end of it.
It tells you while there’s time
Budget Health compares how much of the limit is gone with how much of the month is, and works out where that pace ends. Here is one March, on three different days.
- 9 March€410 spent😊Budget HealthExcellent! Keep up the great work!96%Score23dLeft🔥7Streak🏆14Best
- 16 March€1,080 spentTHE WARNING😐Budget HealthProjected to exceed budget by 12%76%Score16dLeft🔥7Streak🏆14Best
- 24 March€1,420 spent😊Budget HealthExcellent! Keep up the great work!86%Score8dLeft🔥7Streak🏆14Best
On the 16th, March had used 54% of the limit in 48% of the month. Nothing was over yet, and on a plain budget nothing would have said anything. Carried on, that pace finished at €2,232.
March closed at €1,940, inside the limit. The streak went from 7 to 8.
The score is out of a hundred and only drops below 80 once you’re spending faster than the month is passing. The face changes when the month is heading past the limit, or running well ahead of the calendar — not because one evening was expensive.
Give the limit a shape
Split the budget across the categories that need watching. Each share fills on its own, and only one that's past its limit turns red.
- You choose which ones
- Rent, groceries, eating out and transport here. Anything you don't allocate still counts toward the whole €2,000.
- They can't add up to more
- The four shares come to €1,180. A split that comes to more than the limit is refused rather than quietly accepted.
- Red means over, not close
- Rent at exactly €550 of €550 is still yellow. Transport at €96 of €80 is red, with a warning, because it's the one that went past.
A count worth keeping
Finish a month inside the budget and its streak goes up. Reach the income goal and that one does. Go over and one number goes back to zero, and nothing else.
And a period is a month, not a day. Apps that count anything usually count days you opened them, which rewards the app. A budget streak of nine here means nine months under your limit.
Everything else a budget leans on
- Accounts
- Card, cash and savings in one total, with transfers that aren't spending.
- Bills
- Rent and subscriptions set up once, logged on the day they're due.
- Analytics
- This month against last, and the days that blew it.
- Currencies
- Sixty-eight of them, each account in its own, one total in yours.
- Sharing
- One account shared with a partner or flatmate, with roles.
- Widgets
- Eleven on the home screen, current without opening the app.
Monthly is free. Pro changes the period.
- A monthly budget and a monthly income goal
- Budget Health, recalculated with every expense
- Both streaks and all nine badges
- Two accounts and ten categories
- All eleven widgets and all 68 currencies
- Data export, always
What people ask before they switch
Yes. The free plan has no time limit and needs no card: a monthly budget and income goal, Budget Health, both streaks, two accounts, ten categories, all 68 currencies, all eleven widgets and data export. Pro is $5.99 a month, $34.99 for six months or $59.99 a year.
You log what you spend and earn, and the app does the arithmetic. In Wealtie that's a few taps per transaction, with rent and subscriptions set to repeat so they log themselves, and an Add Transaction widget on the home screen so it takes seconds. The budget, Budget Health and both streaks update from what you've logged.
No fixed one. You get one limit to stay under and one income target, and you can give categories their own share of the limit, so it fits a simple monthly cap, a 50/30/20 split or a set of per-category limits. It doesn't require zero-based budgeting.
Yes. On Pro you can share an account with a partner, family member or flatmate as an editor or a viewer, and they join on whatever plan they already have, free included. Each person's other accounts and budget stay their own.
No. It never connects to a bank, so it holds only what you chose to record. There's no bank password, no aggregator and no read access to any account of yours.
This month can be the first one
Add an account, set one limit and one target, and log what happens. Budget Health has something to say from the first expense.
