Envelope Budgeting App: Wallyo

Wallyo gives every payday a clear plan and one number to live by: what is left to spend. Most budget apps 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 budget — split what comes in across needs, wants and savings.
• Envelope budgeting — give every dollar a job before the cycle starts.
• Switch between them any time. Nothing you logged is lost.

AN EXPENSE TRACKER THAT TAKES SECONDS
• Amount, name, done. Wallyo files it where it belongs.
• Track income alongside spending.
• Search, edit and recategorise anything later.

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

SEE WHERE YOUR MONEY 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.
• Your data is included in your device's Android backup.
• 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