# Wealtie

> Wealtie is a budget and money manager for iPhone and Android that never connects to your bank. You log expenses and income in a few taps, set a monthly budget and an income goal, get a mid-month warning (Budget Health) if your spending pace will take you over, and keep a streak for every month you stay inside the budget. Free plan with no time limit; Pro is $5.99/month, $34.99/6 months or $59.99/year.

Key facts:

- Platforms: iOS and Android. No web or desktop app.
- Bank connection: none, by design. No bank login, no aggregator, no read access to any account. Cash is tracked the same as a card.
- Free plan (no time limit, no card): 2 accounts with net worth, 10 categories, 1 recurring transaction, monthly budget and monthly income goal, Budget Health score, both streaks and badges, monthly spending overview, all 11 home screen widgets, all 68 currencies, transfers between accounts, data export (ZIP of CSV files).
- Pro: unlimited accounts, categories (nested up to 4 levels) and recurring transactions; budgets and goals daily, weekly, monthly, quarterly or yearly; income analytics (sources, stability score, projection); analytics over any period; account sharing with owner/editor/viewer roles; receipt scanning; priority support.
- Sharing: the account owner needs Pro to invite; whoever accepts joins on any plan, including Free.
- Currencies: 68. Each account keeps its own currency; totals are converted into a display currency at each day's rate.
- Languages: 18, including English, Spanish, French, German, Italian, Portuguese (Brazilian), Polish, Russian, Turkish, Arabic, Hindi, Chinese (Simplified), Japanese, Korean, Vietnamese, Thai, Indonesian and Bosnian.
- Best for: people who don't want to link a bank, people with income that varies month to month (freelancers, contractors, commission), people with accounts in more than one currency, and couples or flatmates sharing one account.

## Overview pages

- [Budget app](https://wealtie.com/budget-app): what Wealtie is, Budget Health, category limits, streaks, Free vs Pro
- [Expense tracker](https://wealtie.com/expense-tracker): logging spending without a bank connection
- [Income tracker](https://wealtie.com/income-tracker): income goals, irregular income, income stability score

## Features

- [Budgets and income goals](https://wealtie.com/features/budgets): one spending limit, one income target, Budget Health forecast, category split, history
- [Budget streaks](https://wealtie.com/features/streaks): a count for every period kept, nine badges, no penalty beyond the reset
- [Accounts and net worth](https://wealtie.com/features/accounts): card, cash and savings in one total; transfers aren't spending
- [Spending analytics](https://wealtie.com/features/analytics): month against month, spike days, income stability
- [Expense categories](https://wealtie.com/features/categories): custom categories with emoji, nested four levels on Pro
- [Multi-currency](https://wealtie.com/features/currencies): 68 currencies, per-account currency, daily rates
- [Bills and subscriptions](https://wealtie.com/features/recurring): recurring transactions that log themselves on the due date
- [Shared accounts](https://wealtie.com/features/shared-accounts): share one account with roles; pooled or per-person balances; split expenses to the cent
- [Home screen widgets](https://wealtie.com/features/widgets): 11 widgets on iOS and Android, all free
- [Dark mode](https://wealtie.com/features/dark-mode): free on every plan
- [Receipt scanner](https://wealtie.com/features/receipt-scanner): Pro; reads shop, date, total and each line; save as one expense or one per line; the photo is not stored; Latin-alphabet receipts only

## Comparisons

- [Budget apps compared](https://wealtie.com/compare): Wealtie, YNAB, Monarch and Spendee on free plan, price, bank connection, currencies, sharing and platforms, with sources
- [Wealtie vs YNAB](https://wealtie.com/compare/ynab)
- [Wealtie vs Monarch](https://wealtie.com/compare/monarch)
- [Wealtie vs Spendee](https://wealtie.com/compare/spendee)
- [Mint alternatives](https://wealtie.com/compare/mint-alternative): what Mint users moved to, compared; Wealtie doesn't import Mint data

## Guides

- [How to budget on an irregular income](https://wealtie.com/guides/irregular-income-budget)
- [The 50/30/20 rule, with examples](https://wealtie.com/guides/50-30-20-rule)
- [Budget apps that don't connect to your bank](https://wealtie.com/guides/budget-apps-without-bank-sync): Wealtie, Goodbudget, Actual Budget, YNAB and Spendee
- [50/30/20 budget calculator](https://wealtie.com/tools/budget-calculator)
- [Payday forecast calculator](https://wealtie.com/tools/payday-forecast): spending pace, projected total and daily amount left until payday; free, no sign-up
- [Emergency fund calculator](https://wealtie.com/tools/emergency-fund-calculator): one month of income first, then three and six months of essential costs, with the months to each

## Blog

Every post is also available as Markdown: append .md to its URL. Full text of all posts: https://wealtie.com/llms-full.txt

### Income & freelancing

- [How to pay yourself a salary when you're self-employed](https://wealtie.com/blog/pay-yourself-salary-self-employed): A guide to how to pay yourself a salary when self-employed: pick a flat monthly amount, build a two-month buffer, and adjust in bad months and good ones.
- [How much to set aside for taxes when you're self-employed](https://wealtie.com/blog/set-aside-for-taxes-self-employed): A guide to how much to set aside for taxes when you're self-employed, with 2026 IRS and 2026/27 HMRC rates and worked examples at three profit levels.

### Budgeting

- [Why most budgets fail, and the fix for each](https://wealtie.com/blog/why-budgets-fail): Why most budgets fail: five mistakes, from no line for surprise bills to checking too late, with 2025 Federal Reserve data and the fix for each.
- [How to make a budget: a first budget in five steps](https://wealtie.com/blog/how-to-make-a-budget): How to make a budget in five steps, from take-home pay to a mid-month check, with a worked example on 3,000 a month and 2024 spending averages.

### Multi-currency & travel

- [Multi-currency budgeting: how to track spending in two currencies](https://wealtie.com/blog/track-spending-two-currencies): A guide to multi-currency budgeting: which currency to budget in, which exchange rate to use, and why your total moves when you haven't spent anything.
- [How to budget for a trip abroad, before and while you're there](https://wealtie.com/blog/budget-for-a-trip-abroad): A guide to how to budget for a trip abroad: prepaid costs, a daily spending number in the local currency, card fees, and a worked 10-day example.

### Using Wealtie

- [How to set up a budget in Wealtie, step by step](https://wealtie.com/blog/set-up-budget-in-wealtie): A step-by-step guide to setting up a budget in Wealtie: picking the number, splitting it by category, and reading Budget Health once it runs.

### Money as a couple

- [How to split bills as a couple: 50/50, by income, or pooled](https://wealtie.com/blog/split-bills-as-a-couple): A guide to how to split bills as a couple: 50/50, by income or pooled, with a worked example on 3,000 of shared costs and 2024 survey data.

### Saving

- [How to save $1,000 fast: a three-month plan with the numbers](https://wealtie.com/blog/save-1000-dollars-fast): A plan to save $1,000 fast: $77 a week for 13 weeks, where that money comes from, and what changes if you need it in 30 days instead.
- [What is a sinking fund? Save for the bills you know are coming](https://wealtie.com/blog/sinking-fund): What a sinking fund is, what to use one for and how much to save each month, with a worked example and 2024 data on the yearly bills that catch people out.
- [How much should be in an emergency fund? Start with one month](https://wealtie.com/blog/how-much-emergency-fund): How much should be in an emergency fund: why one month of income is the first target that matters, with CFPB data and a worked example you can copy.

## Optional

- [Privacy policy](https://wealtie.com/privacy)
- [Terms of service](https://wealtie.com/terms)
- [Contact](https://wealtie.com/contact): contact@wealtie.com