From receipt to expense.
Photograph a receipt, review the details and save the expense along with your purchase prices.
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
Monthly Income $3,200.00 2 deposits recorded
Assigned to your goals $2,850.00 8 active envelopes
Money to Assign $0.00 ✓ 100% of your dollars given a job
Accumulated Funds $1,420.00 +$350 rolled over from prior month
Monthly Living Expenses $1,850.00 / $2,000.00
Groceries & Food Food and grocery purchases
$412.50 of $500.00
+$87.50 available
Rent / Housing 1st of month bank transfer
$650.00 of $650.00
Paid
Savings Funds & Goal Accumulation +$350 from prior month
$450.00 total fund Vehicle Maintenance & Insurance Assigned this month: $100.00 · Prior fund: +$350.00
$0 spent this month (accumulating for policy)
$450.00 accumulated
Monthly Subscription Spend $94.97 / mo 4 services
Annual Savings Potential +$239.88 USD By pausing unused services
Detected Recurring Subscriptions $94.97 / mo total
ChatGPT Plus (OpenAI) Artificial Intelligence
Frequent use
$20.00 / mo
Netflix Standard Streaming Entertainment
Review whether you still use it
$19.99 / mo
LA Fitness Health & Fitness
Recurring direct debit
$44.99 / mo
iCloud+ 2 TB Cloud Services
Family plan
$9.99 / mo
💡 WiseBudget automatically groups your recurring charges so you can identify which services to pause or cancel.
👤 YOU ASKED:
"How much did I spend on AI tools this year so far?"
✨ WISEBUDGET COPILOT:
You have invested $200.00 USD in 1 AI tool this year (ChatGPT Plus). This accounts for 0.7% of your operating expenses and is covered inside your Work envelope.
👤 YOU ASKED:
"How can I save an extra $250 this month to pay down my credit card?"
✨ WISEBUDGET COPILOT:
You can simulate a $250 reduction in Dining Out and review which subscriptions to keep before changing your budget.
Consolidated Net Worth $14,850.00 USD Accounts + Investments
Liquid Cash $4,850.00 USD In local & intl. banks
Investment Portfolio & Funds $10,000.00 USD Recorded balance
Consolidated Accounts & Assets All Reconciled
🇲🇽 Primary checking Day-to-day spending
≈ $2,400.00 USD
MX$ 44,160.00 MXN
🇺🇸 International Savings Account Emergency fund
$ 2,450.00 USD
$ 2,450.00 USD
📈 Savings fund Recorded balance
$ 10,000.00 USD
$ 10,000.00 USD
AI expense capture
Receipt photo or voice note to review and save.
100% Reconciled with Bank
Discrepancy $0.00 · Zero ghost figures.
Give every payday a purpose.
Allocate income to expenses, debt and savings. Accumulated funds carry forward from one month to the next.
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.
🕵️♂️ CASH LEAKS
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.
Review recurring charges and decide which to keep ✓
🎯 GOALS & DEBT
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.
Real cumulative funds that roll forward with you month to month ✓
🎙️ ZERO FRICTION
Log expenses with a receipt photo or voice note
No more spending Sunday afternoons wrestling with Excel spreadsheets or typing transactions by hand. Send a voice note when convenient or snap a picture of a crumpled receipt.
AI-assisted extraction · Review before saving ✓
📈 WEALTH & INVESTMENTS
Your complete financial net worth in one place, in any currency
Local currency accounts, international USD savings, Euro travel funds, and your recorded account balances consolidated without messy exchange rate math.
Multi-currency accounts + recorded balances ✓
RECOVER $239.88 / YR
Do you know how much money slips away each month in forgotten subscriptions?
Small $9.99, $19.99, $20, and $44.99/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
CROSS-SYSTEM AI COPILOT
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.
Custom reports on demand
Ask: "How much did I spend dining out in September vs October?" or "Build a health expense report for this year" and get instant interactive charts.
Personalized savings strategies
Ask how to optimize your budget to reach a specific savings goal or knock out a credit card balance months ahead of schedule.
Automatic merchant normalization
Cleans up cryptic bank strings like "WM SUPERCENTER #2187" into crystal-clear merchant names and correct categories.
DUAL CURRENCY & WEALTH
Manage your local accounts, USD savings, and recorded balances in one place
You live in a multi-currency world. WiseBudget lets you log transactions in the exact currency you paid in (US dollars, Mexican pesos, Euros, Colombian pesos, Argentine pesos), preserving your bank statements while consolidating your net worth with official rates.
- ✓Zero destructive conversions in your transaction history
- ✓Track recorded balances across your accounts
- ✓Transfer between accounts with explicit exchange rate logging
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.
OPEN PUBLIC BETA
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.
$0 / month during public beta
- 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, MXN, EUR, COP, ARS) & recorded account balances
- 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.