Wiselet: Personal Finance

Wiselet puts your whole financial picture in one app: what you own, what you owe, what leaves your account every month, and what you are building.

No bank connection, no sign-up, no ads. Your data lives on your device and syncs between iPhone and Mac through your own iCloud — it never touches a server of ours.

YOUR NET WORTH AT A GLANCE
• Your real net worth: accounts plus investments, in your currency.
• Accounts in several currencies, converted automatically.
• Transactions by category, with trend and breakdown charts.
• Quick expenses, to log the everyday stuff in two taps.

SUBSCRIPTIONS AND DEBTS
• Every subscription with its next charge and what it costs you a month and a year.
• A reminder before each renewal, and a Calendar event if you want one.
• Debts both ways: what people owe you and what you owe, by person.
• Settle a debt and the transaction is recorded for you.

GOALS AND BUDGETS
• Saving goals with a date, that tell you whether you are ahead or behind.
• Budgets by category or global: weekly, monthly, quarterly or yearly.
• They update themselves with every expense you log.

INVESTMENTS
• Live prices for stocks, ETFs and funds.
• As many wallets as you need, each with its uninvested cash.
• Today's return and total return, per holding and per wallet.
• A record of your sales, with the gains you actually realised.

WORK INCOME
• Payslips with the gross, the deductions and the net that reaches your account.
• Income tax, social security and employer contributions, at the rates you set.
• Recurring payslips and a forecast for the rest of the year.

ON IPHONE AND ON MAC
The Mac version is not a cut-down mirror: same data, same screens, native sidebar. Start something on the iPhone and finish it on the Mac.

PRIVACY
• No email, no password, no account: there is nothing to sign up for.
• Your finances are stored on device and synced through your private iCloud.
• No ads, no profiling, no data sold.
• No bank connection: you enter your movements yourself, so no banking credentials are ever involved.

Prices and exchange rates come from public sources and may be delayed. Wiselet is a tool for recording and tracking your money; it does not provide financial advice.