Take real control of your money. See where it goes and grow it.
Stop guessing at month end. Spot hidden cash leaks, eliminate forgotten subscriptions you no longer use, pay off debt, and save for what matters — logging expenses in seconds with a photo or a voice note.
100% Free public beta · No credit card required · No bank credentials needed
💡 WiseBudget automatically groups your recurring charges so you can identify which services to pause or cancel.
"How much did I spend on AI tools this year so far?"
You have invested $420.00 USD across 3 AI tools this year (ChatGPT Plus, Claude Pro, and Cursor). This accounts for 6.2% of your operating expenses and is covered inside your Work envelope.
"How can I save an extra $250 this month to pay down my credit card?"
I suggest reallocating $120 from Dining Out and pausing 2 streaming subscriptions you did not use in May. That frees up $179.99 immediately without touching your emergency fund.
Receipt photo or 5s voice note logged instantly.
Discrepancy $0.00 · Zero ghost figures.
Everything you need to master your money with confidence
Built to give you peace of mind, eliminate financial stress, and help you grow wealth month after month.
Find where money disappears and cancel unused subscriptions
Do you know how much you spend each month on forgotten micro-subscriptions? Streaming, AI tools, memberships you barely open... WiseBudget pinpoints every recurring charge so you can cut waste.
Pay off debt faster and build real savings for big milestones
Get a clear step-by-step payoff plan for credit cards and loans (snowball or avalanche). Plus, accumulate money month over month for car insurance or vacations without starting from scratch.
+$100 May + $100 June + $100 July (Preserves balance)
Log expenses in 5 seconds with a receipt photo or voice note
No more spending Sunday afternoons wrestling with Excel spreadsheets or typing transactions by hand. Send a quick 5-second voice note while driving or snap a picture of a crumpled receipt.
Your complete financial net worth in one place, in any currency
Local currency accounts, international USD savings, Euro travel funds, and your investment portfolio consolidated in real time without messy exchange rate math.
Do you know how much money slips away each month in forgotten subscriptions?
Small $10, $20, and $45/mo recurring charges in streaming, AI tools, cloud storage, and forgotten memberships add up silently. WiseBudget pinpoints every recurring charge so you can cut waste.
- ✓Automatic detection of recurring charges and AI tools
- ✓Exact annual cost calculation for each subscription
- ✓Reallocate that saved cash directly to debt payoff or savings
An intelligent financial copilot ready to help you 24/7
Whenever you have a question, want to cut expenses, or need a custom report on the fly, just ask the AI.
Ask: "How much did I spend dining out in May vs June?" or "Build a health expense report for this year" and get instant interactive charts.
Ask how to optimize your budget to reach a specific savings goal or knock out a credit card balance months ahead of schedule.
Cleans up cryptic bank strings like "SUPERM LA COLONIA SUC 04" into crystal-clear merchant names and correct categories.
"Spent $18.50 on lunch with my debit card"
Manage your local accounts, USD savings, and portfolio in one place
You live in a multi-currency world. WiseBudget lets you log transactions in the exact currency you paid in (Cordobas, USD, Euros), preserving your bank statements while consolidating your net worth with official rates.
- ✓Zero destructive conversions in your transaction history
- ✓Track your investment portfolio (ETFs, stocks, funds)
- ✓Transfer between accounts with explicit exchange rate logging
Native currency: Cordobas (NIO)
Native currency: US Dollars (USD)
Your data is strictly yours. Zero selling your information.
Traditional finance apps make money selling your habits to credit card companies or rely on brittle bank scrapers that disconnect weekly. At WiseBudget, your privacy is absolute.
Zero selling of your financial data
We never sell, broker, or monetize your personal transactions with banks, lenders, or advertisers.
Transfers never count as spending
Moving funds between your own accounts or into investments never distorts your monthly spending reports.
100% Free portable data export
Download your complete historical records in CSV, JSON, and PDF at any time with one click in the Trust Center.
Instant 30-day self-service deletion
If you ever leave, delete your account and all associated data with one click from Settings.
Complete, unlimited access during the Public Beta
Enjoy full access to all features, the AI financial assistant, and multi-currency tools with zero artificial paywalls.
- Smart monthly budgeting with cumulative goal funds
- Automatic detection of subscriptions and hidden cash leaks
- Receipt photo scanning and 5-second voice expense capture
- Conversational AI financial assistant for on-the-fly custom reports
- Multi-currency accounts (USD, NIO, EUR) & investment portfolio
- Bank statement import (CSV, OFX, QIF)
- 1-click portable data exports at any time
Take command of your financial future today.
No credit card required. Build your first budget and uncover hidden subscriptions in under 2 minutes.