Nobody wants to go back to zero
Finish a month inside your budget and your streak is 1. The next one makes it 2. Go over and you’re back to zero. Somewhere around six, that last sentence starts doing your shopping for you.
You already know where the money went
You’ve seen the pie chart. You know roughly what you spend on food, and you’ve known for about three years. Every money app on your phone is good at describing a month that is already over.
A budget is a decision you make once, on a Sunday, feeling good about it. Then you have to keep it across twenty-nine ordinary evenings when nobody is watching and nothing happens either way.
Give the month a count, and the last week of it stops being the hard one.
You set the number. The rest runs itself.
There's no button to press and nothing to claim. When the month ends, Wealtie looks at what you logged and moves the count.
How much you want to spend this month, or how much you want to earn. Both, if you like. Nothing is suggested for you.
You log what you spend, a few taps at a time. Bills you set to repeat log themselves.
Spending has a streak. So does earning.
Staying under a limit and hitting a target are two different wins, so they get two different counts. One can be running while the other has just started over.
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.
There’s always a next one, and it’s close
1, 3, 7, 14, 30, 60, 90, 180, 365. The first few sit close together, because the hardest streak to keep is the one that hasn't started. After that they spread out. By then you're not doing it for the badge.
At a streak of twelve: three behind you, six ahead, the next one two months away.
Somebody actually wrote the congratulations
Not one template with your number dropped into it. Dozens of lines per count, so month seventeen doesn't get what month sixteen got. The lines for a month you missed took as long to write as the ones for months you kept.
First period on budget. Everything starts here. 🌱
Three periods on budget. This is no longer an accident. 🔥
Ten periods on budget. 🏆 You built something real.
Twenty-five periods on budget. This is already a story worth telling, not something to downplay. 🏆
Over budget, but you're not alone. We've all been there. Let's go again. 💚
Maybe the goal was set a little high? There's no shame in adjusting it. 💚
What it costs you to go over
One number goes back to zero and nothing else moves. Most apps stay vague about the penalty. Here is all of it.
At the end of the period, not the moment you go over. A bad week isn’t a broken streak, and there’s still time to pull the month back.
- Your record, 14
- Never reduced. It stays on the card as the number to beat, which is usually why the next run starts.
- The badges
- Nine of them, and the ones you've reached are not taken back. First Streak is still yours at zero.
- The other count
- Budget and income are two separate streaks. Going over on one leaves the other exactly where it was.
- Everything you logged
- Transactions, categories, accounts, and the month itself in the year view. Only the count moved.
No lock, no penalty, and no leaderboard where somebody else’s discipline makes yours look bad.
It sits on your home screen
A streak you have to go looking for is a streak you forget, so it doesn't wait for you to open the app.
It is a small square, so there is room for one number and two short lines: the count, what it counts, and how far off the next badge is. Whatever you would have opened the app to check is already on the screen.
- Streak
- Budget Status
- Budget Remaining
- Goal Progress
- Balance
- Net This Month
- This Month's Spending
- Daily Spending Pace
- Bills Due This Week
- Upcoming Bill
- Add Transaction
You don’t open it and you don’t refresh it. The count is right when you glance at it, signal or no signal.
Streak is the only one of the eleven you can also put on the iPhone lock screen, so the count is there before you unlock.
All of it is free
The streak isn't the upsell. It would be a strange thing to charge for.
- ✓Both streaks, budget and income
- ✓All nine badges, First Streak to Year Master
- ✓The widget, on the home screen and the iOS lock screen
- ✓Every one of Wally's lines, kept months and missed ones
- ✓A monthly budget and a monthly income goal to attach them to
Pro doesn’t give you a better streak. It changes what a period is: budgets and income goals can run daily, weekly, monthly, quarterly or yearly, so the count matches how you actually get paid and spend.
What people ask before they start one
The count reflects what you recorded, so a month you never logged is a month Wealtie can't credit. That's what the home screen widget is there to stop, and the one daily reminder if you've been away. Anything predictable — rent, a subscription, an installment — you set to repeat once and it logs itself from then on.
Change it. Editing the amount doesn't touch the count, so you can raise a budget that was never realistic and keep the streak you've built. The one thing that does reset it is deleting the budget outright, and even then your longest streak is kept. Wally usually asks about this before you do — the line after a miss is about whether the number was set too high, not about what you spent.
There's no penalty for breaking one, nothing gets taken away or locked, no leaderboard puts your number next to anyone else's, and nothing is sold to you the month you miss. All the count does is keep a promise you already made to yourself somewhere you'll see it.
No. Both streaks, all nine badges, the widget and every one of Wally's lines are on the free plan, along with a monthly budget and a monthly income goal to attach them to. Pro changes the period rather than the feature — budgets and goals can run daily, weekly, monthly, quarterly or yearly, so the count matches how you actually get paid and spend.
Your first one closes at the end of this month
Add an account, set one spending limit, log what you spend. That's the setup. Finish the month inside the limit and the count is 1 — the hardest one there is.
