Why use Walleet
Most personal finance apps start by asking for your bank login. Walleet never does. You type your balances in yourself, as often as you like, and the app does the one job that is genuinely hard: turning a dozen accounts in five currencies into a single number you can watch move.
That is the whole product. It is worth being clear about what that includes and what it does not, because the difference is the reason to choose it.
What it does
Tracks balances, in any currency. An account is a name, a currency and a number. Add your current account, your savings, a brokerage, cash in a drawer, a crypto wallet. Every one of them can be in a different currency, and Walleet converts them all into the one you think in.
Keeps the history. Each time you save your balances, that becomes a dated entry. The chart is built from those entries, so a year of tracking is a year of your actual net worth rather than a projection.
Converts at the rate of the day. A balance you recorded in March is converted at March's exchange rate, not today's. That matters more than it sounds — it is the difference between a chart that shows what happened and one that quietly rewrites your history every time a currency moves.
Separates what you saved from what the market did. When your total goes up, Walleet splits the change into the part you contributed and the part that came from exchange rates moving. A month where you saved steadily and still went backwards is a currency story, and you should be able to see that it was.
Groups accounts the way you think about them. By institution, and by group where one brand runs several — a personal and a business account at the same provider read as one thing.
Handles more than national currencies. Bitcoin, Ether and the major coins are priced alongside the fiat currencies, at the precision they actually need. A satoshi does not round to zero.
What it does not do
It does not connect to your bank. There is no aggregator, no screen scraping, no OAuth handshake with your bank. Nothing to break when your bank changes its login page, and no third party holding a token to your account.
It does not see your transactions. Walleet has no idea what you spent money on, because it never receives a transaction. There is no spending feed, no merchant categorisation, no "you spent 14% more on restaurants this month". The app knows what your accounts held on the days you told it, and nothing else.
It does not do budgets. There is no envelope system, no monthly allowance, no alerts when you overspend a category. Those are transaction features and Walleet has no transactions.
It does not give advice. No recommendations, no risk scores, no suggestions about what to do with your money. It shows you your numbers.
Why manual is the point
Typing your balances in sounds like a step backwards until you have watched the alternative fail.
Bank connections break. A password change, a new consent flow, an aggregator losing an integration — and the account silently stops updating, usually without telling you, which is worse than not having it. Anyone who has used an aggregator for more than a year has had a stale account quietly poisoning their total.
Transaction tracking asks for a level of diligence most people cannot sustain. Categorising every purchase works in January and is abandoned by March, and an abandoned system tells you nothing.
Balances are different. There are perhaps eight numbers, they exist whether or not you record them, and copying them across takes about two minutes. Do that once a month and after a year you have something genuinely useful: an honest picture of whether your net worth is going up.
The manual step is also a privacy position. Walleet cannot leak transaction data it never had, and it cannot lose a banking credential it was never given.
The one exception, and it is optional
An account can be connected to a source that reads its balance for you. Today that means one thing: a Bitcoin address, read through a public block explorer.
Even then, a reading is not a balance. The number appears next to the entry box as a suggestion, and it becomes part of your history only when you save it yourself. Nothing writes to your records without you.
If you set it up, the address you enter is sent to a public block explorer so it can be read — that third party learns the address, and can see everything the public ledger already says about it. That is stated plainly in the privacy policy rather than buried. Disconnect at any time and the balances you recorded stay put.
Getting started
- Create an account. An email address and a password.
- Add your accounts. Name, currency, and which bank or broker holds it. The free plan covers two; the paid plan is unlimited.
- Enter your balances. One screen, one box per account, whatever the numbers say today.
- Come back. Once a month is plenty. The chart needs a few points before it says anything, and after a year it says quite a lot.
You can pick your display currency, switch it whenever you like, and delete your account outright — with a thirty-day window to change your mind before anything is erased.