Envelope Budget App: Wallyo

Wallyo gives every payday a clear plan and one number to live by: what is left to spend.

Most budgets follow the calendar. Your money doesn't. Wallyo builds each budget cycle around the day you actually get paid — a day of the month, every 15 days, the last working day, or no fixed day at all.

BUDGET YOUR WAY
• 50/30/20 — split what comes in across needs, wants and savings.
• Envelopes — give every dollar a job before the cycle starts.
• Switch between them any time. Nothing you logged is lost.

LOG IT IN SECONDS
• Amount, name, done. Wallyo files it where it belongs.
• Track income alongside spending.
• Search, edit and recategorise anything later.
• Log Apple Pay purchases automatically with a one-time Shortcuts automation.

NO SURPRISE BILLS
• Add the bills you know are coming, one-off or repeating.
• Get a reminder three days before one is due.

SEE WHERE IT WENT
• Spending by cycle, side by side.
• A category breakdown, your savings rate, and how this cycle compares to the last.
• When a cycle ends, Wally the owl wraps it up with a calm look back.

PRIVATE BY DESIGN
• No account. No sign-up. No bank connection.
• Everything lives on your device and works offline.
• Back up to your own iCloud and restore whenever you need.
• Export your transactions to CSV, or import them from one.

MADE TO FEEL LIKE YOURS
• Light, dark or system theme.
• Any currency. English, Spanish and Portuguese.
• Two app icons to choose from.

WALLYO PRO
Wallyo is free to use for your first four cycles. Pro unlocks every cycle after that, repeating bills, custom split percentages, moving money between envelopes, deeper insights and cycle comparisons, and removes ads. Choose monthly, yearly or lifetime.

The free version never shows banners or pop-up ads. The only ads are optional rewarded videos you can choose to watch to unlock a Pro action once, and they are never personalised.

Terms: https://wallyo.app/terms-of-service
Privacy: https://wallyo.app/privacy-policy