Envelope budgeting, built around your payday
Budget by paycheck, not by calendar.
Wallyo runs on pay cycles. Money lands, you fill your envelopes, and one number tells you what's left until the next one. Everything stays on your phone.
Free to start. No bank login, no account required.
Features
Everything a pay cycle needs, nothing it doesn't.
Envelopes
One number for the whole cycle.
Each envelope wears a ring that fills as you spend. Green means fine, gold means fully spent, oxblood means over. At the top, what's left across all of them and how many days to go.
Move money
Went over? Two taps fixes it.
Pick where the money comes from, pick where it goes. No guilt screens, no red banners. The plan bends so you don't have to abandon it.
Add expense
Logging takes less time than paying.
Amount, envelope, done. Wallyo remembers your merchants and categories so the second coffee is one tap. Then it tells you what that did to your pace.
Built around how money actually arrives.
Your money never leaves your phone.
No bank connection. No account to create. No servers holding your transactions. Wallyo works fully offline and backs up, if you want, to your own iCloud or Google Drive.
Budgets work offline
Logging and envelopes need no connection. Only the ads that unlock free extras do.
Export any time
Your data as a file you own, not a request form.
Light and dark
Every screen ships in both. Follows your system.
Coach you can mute
Wallyo's tips are one switch away from silence.
Compare
Wallyo vs YNAB, Goodbudget, EveryDollar and the spreadsheet.
An honest side-by-side. Where we're better, and where we're not yet.
See the comparison →
Pricing
Free to budget. Pro once, for life.
Free gets you three envelopes, four cycles and export. Want more without paying? Watch a short ad to unlock extra envelopes, insights or an export. Pro removes ads and unlocks everything for one payment.
once, lifetime
See what's in each plan →