Find the money
you're losing.
Connect your accounts and Wally hunts down better rates, forgotten subscriptions, and missed cashback — finding the average member $4,800 a year.
The infrastructure behind your money
How it works
Three things no other app does at the same time.
Tracking apps see your money. ChatGPT knows the market. Only Wally does both — then connects the dots for you, every day.
Sees everything
Every account, transaction, bill, and balance earning 0% — across every bank, card, brokerage, and lender.
Even your bank can't see this much.
Knows the market
Every high-yield rate, card reward, fund fee, tax credit, and deduction on the market — refreshed daily.
ChatGPT can't see your data. Mint won't tell you.
Matches the two — for you
Personalized moves calculated against your real numbers: switch this card, move that cash, claim this credit, cancel that sub.
A CFO in your pocket — for less than a latte a month.
What you get
A complete money OS, in your pocket.
Wally replaces your tracker, budget app, goal app, subscription canceller, bill negotiator, and finance chatbot — for one subscription.
All your accounts
Checking, savings, cards, loans, brokerages — one live number.
Smart categorization
Every transaction auto-tagged. Rename a merchant once; Wally remembers.
Investments dashboard
Holdings, performance, fees — with tax-loss harvesting flags.
Cash-flow forecasts
What's hitting your account in 30 days. No surprise overdrafts.
Budgets that flex
Per-category limits. Wally warns you before you blow them, not after.
Goals that move with you
Emergency fund, down payment, vacation — surplus allocated automatically.
Recurring detection
Every subscription surfaced. Kill the zombie charges in a tap.
Receipts & warranties
Snap a receipt; get pinged before returns or warranties expire.
Action inbox
Bills due, refunds available, rate hikes — what needs you, when.
Chat with Wally
“Can I afford this?” Real answers, grounded in your data.
Bill negotiation
Phone, internet, insurance — Wally re-shops and handles the call.
Bank-level security
Read-only, 256-bit encryption. Never sold. Cancel anytime.
Live demo
Talk to your money like a co‑pilot.
Ask anything. Get answers. Take action — all in plain English. Wally reads your transactions, spots patterns, and nudges you toward smarter decisions.
Where the money is
Ten ways Wally puts money back in your pocket.
Every recommendation is calculated against your real accounts and the live market — no generic tips, just dollar-quantified moves Wally helps you execute.
Switch to a better cashback card
Wally reads your spend pattern and matches it to the best card on the market.
Move idle cash to high-yield
$10K in checking earns $0. The right HYSA earns $400+ — Wally moves it.
Refinance or consolidate debt
Wally watches rates daily and tells you the exact moment it's worth moving.
Cut phone, internet & insurance
Kill zombie subscriptions
Claim tax breaks you missed
Lower-fee funds & robos
Card perks you forgot you had
Insurance you're overpaying on
Refunds you never claimed
Security & trust
Your data is yours. Always.
Wally makes money from a simple subscription — never by selling your financial life to advertisers.
Encrypted, end to end
Encrypted connections and storage, with internal access to personal data strictly limited.
Plaid-secured connections
Your bank credentials never touch our servers — the same link Venmo, Robinhood, and Chime use.
Never sold or shared
Your data is yours. No ads, no data brokers — just a subscription that respects you.
Read-only, cancel anytime
Wally can look but never move your money without you. Export and leave whenever you like.
Find $100 in 30 days — or it's free.
If Wally doesn't surface at least $100 in savings in your first month, we'll refund your subscription. No forms, no hassle.
- Cancel anytime
- Export your data
- No contracts
- No hidden fees
Why not the others
What other apps can't do.
Trackers see your money but don't recommend actions. ChatGPT knows the market but can't see your data. Your bank only sells you their products. Wally is the first AI that does all of it — together.
| Capability | Best Wally AI personal CFO | ChatGPT Generic AI | Mint / Copilot Trackers | Rocket Money Sub canceler | Your bank Conflict of interest |
|---|---|---|---|---|---|
| Sees all your accounts | |||||
| Knows every product on the market | |||||
| Recommends better banks, cards & HYSAs | |||||
| Finds tax breaks you missed | |||||
| Cancels zombie subscriptions | |||||
| Negotiates your bills | |||||
| Updates daily, automatically | |||||
| Personalized to your real data | |||||
| Refund hunting (price drops, late deliveries) | |||||
| Talks to you in plain English |
But couldn't I just ask ChatGPT?
Try it. Ask ChatGPT “should I switch credit cards?” It'll give you generic advice based on nothing.
Now ask Wally. It already knows you spent $4,200 on groceries last year on a 1% cashback card. It knows the Amex Gold gives 4%. It calculates the exact upside (+$168/yr), accounts for the annual fee, and tells you whether to switch.
ChatGPT is a calculator. Wally is your CFO.
Pricing
$70 to find $4,800.
Wally Premium pays for itself many times over. The average member finds $4,800+ in savings opportunities. That's a 68× return on a $69.99/year subscription.
Billed $69.99/year · cancel anytime
Member ROI math
That's a 68× return.
7-day free trial · No credit card to start · Cancel anytime
Everything included
Replaces your whole money stack
- Budget & expense tracker
- Subscription canceller
- Bill-negotiation service
- High-yield & card finder
- Personal finance chatbot
Find $100 in 30 days or your subscription is free — see the promise.
Still on the free tier?
Wally has a free tier — but Premium is where the opportunities live. Upgraders find 10× more than free users.
FAQ
Questions? Answered.
Everything worth knowing before you connect your accounts.
Still curious? Talk to usStop leaving money on the table.
Connect your accounts in 60 seconds. Wally starts hunting for opportunities the moment you do.
7-day free trial · Bank-level encryption · Read-only · Cancel anytime
Your AI money co-pilot
Stop guessing. Start knowing — and keep more of what you earn.