Walpat: Smart budgeting

Walpat is the budget app that tells you how fast you're spending, not just how much.

Most budgets fail quietly. You set limits, life gets busy, logging stops, and by the time you look again the money's gone. Walpat fixes both problems: logging takes seconds, and one look tells you whether you're on track.

KNOW YOUR PACE
• Burn Rate compares what you've spent with where you should be at this point in your cycle.
• Plain answers: "You're $40 under budget pace. Stay under $85 a day."
• Every category shows its limit and what's left.
• Upcoming expenses are counted early, so you're warned before they take you over.

BUDGETS ON YOUR SCHEDULE
• Weekly, monthly or fully custom cycles. Start on payday, the last day of the month, or every few weeks.
• Your budget resets automatically and each finished cycle is saved to your history.
• Edit, merge or delete past cycles.

LOG IT IN SECONDS
• Smart Import: scan a receipt, pick a screenshot or paste a bank text. Walpat reads the amount, date, merchant and category, and spots ones you've already logged.
• Share to Walpat from Photos, Messages or your banking app.
• Siri: "Log a food expense in Walpat" or "How much can I spend in Walpat?"
• Control Center, Lock Screen, Home Screen quick actions and one-tap widgets.
• Walpat learns your categories, cleans up messy bank descriptions and flags duplicates.

AUTOMATIC TRACKING (PRO)
Set up a Shortcuts automation once, and Apple Pay purchases and bank SMS alerts log themselves. A step-by-step guide with a video walks you through it.

SUBSCRIPTIONS (PRO)
• Track every subscription from a catalogue of popular services, or add your own.
• See the yearly cost, get told when two plans overlap, and have each charge logged on its charge day.

INSIGHTS
• Budget pace and how you compare with last cycle.
• Pro: income vs spending, which days cost you most, bills that look recurring, and past cycles.
• A short written summary of your cycle, kept up to date as you log.

ASK WALPAT (PRO)
Ask your budget anything: "How much did I spend on food this month?" or "Am I going to go over?" Answers come from your own transactions and show what they're based on.

NUDGES, NOT NAGS
Reminders at times you choose, built from your real numbers: a category near its limit, a bill that's usually due, or how much is safe to spend today.

WIDGETS
Budget balance, quick-log buttons and your cycle summary on the Home Screen and Lock Screen.

YOUR MONEY IS YOUR BUSINESS
• No account and no sign-up. Open the app and start.
• No bank login, ever.
• Your data stays on your device and syncs through your own iCloud between iPhone and iPad.
• AI features run on your device with Apple Intelligence. Receipts, messages and questions aren't sent to a cloud chatbot.
• Export to CSV or erase everything at any time.

MAKE IT YOURS
Any currency, light or dark mode, pink or orange accent with a matching app icon, and your own categories and colours.

REQUIREMENTS
Walpat runs on iPhone and iPad with iOS or iPadOS 18.6 or later. Smart Import, Share to Walpat, SMS tracking, Ask Walpat and written summaries need iOS or iPadOS 27 on a device that supports Apple Intelligence, with it turned on. Apple Pay tracking needs iOS 27.

WALPAT PRO
Free includes budgets, pace, widgets, Siri, nudges, core insights and 3 Smart Import scans per cycle. Pro adds unlimited scans, automatic tracking, subscriptions, Ask Walpat and full insights. Choose monthly (with a 1-week free trial), yearly, or a one-time lifetime purchase.

Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Payment is charged to your Apple Account at confirmation of purchase. Manage or cancel in your App Store account settings. Any unused part of a free trial is forfeited when you buy a subscription.

Terms of Service: https://walpat.app/terms-of-service
Privacy Policy: https://walpat.app/privacy-policy