End-to-end encrypted budget planner
Know where your money goes.
Track your spending, plan your month, follow your investments and see where you'll be in ten years — in one calm app that can't read your data.
- Free forever, no card
- No bank login needed
- Export or delete anytime
Left to spend this month
€485.03
€1,514.97 of €2,000.00 · about €48 a day
Income
€2,450
Spent
€1,515
Net worth
€24.8k
Where your money went
- Rent€850.00
- Groceries€318.40
- Restaurants€182.10
- Transportation€119.50
- Subscriptions€44.97
Features
Everything you need to plan your money
From the first coffee you log to a projection to age 90: WalletCalm shows where your money went, where it should go and where it's heading.
A budget plan that adds up
Income, fixed bills, one flexible amount and non-monthly costs, with what's left to budget.
Budget plannerRecurring payments found for you
Suggestions from your history, bills recorded on their due date and reminders before they're due.
Investments with real gains
Stocks, ETFs and crypto with average cost, gains, dividends and allocation — and RSU or option grants from your employer.
Investment trackerBank statement import
CSV, Excel, OFX, QIF, camt.053, MT940 — even PDF statements and screenshots, read on your device. Transfers between your accounts are spotted.
Bank statement importA lifetime view
Project your net worth to retirement and beyond — for you and your partner — compare scenarios, and see the range of outcomes over 500 simulated markets.
Long-term plannerDebt payoff planner
Payoff dates, total interest and what an extra payment saves (Pro).
Debt payoff plannerGoals with money set aside
Count savings you already have, plan monthly contributions, pay down debts.
Savings goalsReports that explain
A cash-flow diagram, merchants, categories and quarterly or yearly views.
Your dashboard, your way
Rearrange widgets, pin your saved reports, see your home equity and what's left to spend today.
Rules and clean merchants
Categorise automatically, give each merchant a default category, link refunds to purchases, and restore anything deleted from the Trash.
Paychecks and many currencies
Gross pay, tax and pension on every salary; 29 currencies with totals in one, at the European Central Bank's daily rates.
Side business and EÜR
Profit and loss for your self-employed work, and an EÜR export for the German tax return (small business, no VAT).
A vault for your documents
Will, tax forms, insurance and IDs, encrypted on your device, with reminders before they run out (Pro).
Share with your household
Shared accounts, budgets and goals next to your private ones (Pro).
Encrypted end to end
Encrypted in your browser. We can't read your finances, and nobody else can either.
Privacy & security
How it works
Up and running in three minutes
- 01
Add your accounts
Your bank account, cash, cards, investments and home, each in its own currency — 29 to choose from — with totals in yours.
- 02
Record or import
Add transactions as you go, set up recurring bills once, or import a statement from your bank.
- 03
Plan and look ahead
Set your monthly plan and goals. The dashboard, forecast and long-term planner update instantly.
Built for phones first
Log an expense before the receipt hits your pocket
Tap the plus, type the amount, pick a category. WalletCalm remembers your usual account and puts your favourite categories first.
- Big amount keypad, one-tap categories
- Repeat monthly with a single switch
- Undo right from the confirmation
Add transaction
EUR 12.50
Privacy
Your finances are nobody else's business — including ours.
Encrypted in your browser
Every record is encrypted before it's saved. The server only ever stores ciphertext.
Your password stays with you
Sign-in uses OPAQUE: the server checks your password without ever receiving it.
No ads, no trackers
No analytics, no third-party scripts and no data selling.
No bank logins
You import files from your bank, so your bank credentials never touch WalletCalm.
Pricing
Free forever. Pro when you want more.
The budget planner itself costs nothing. Pro adds room to grow — cancel anytime and keep all your data.
Free
€0
No card needed
- Unlimited transactions and categories
- Up to 3 accounts, 5 budgets and 2 goals
- 10 recurring payments
- 10 investment holdings
- 1 long-term scenario over 10 years
- 12 months of reports
- Cash-flow forecast up to 90 days
- Bank statement import and CSV export
- End-to-end encryption, no ads
Pro
€4.99 / month
or €39.99 / year — save 33%. Cancel anytime.
- Everything in Free
- Up to 100 accounts, 200 budgets and 50 goals
- 500 recurring payments
- Investment holdings: unlimited
- 20 scenarios over 70 years
- Reports across your full history
- Cash-flow forecast up to 365 days
- Debt and loan planner
- Encrypted receipt photos and PDFs
- Automatic monthly encrypted backups
- Households: share with up to 9 people
Payments by Lemon Squeezy. We never see your card details.
Questions & answers
Is WalletCalm free?
Yes. The planner is free forever: unlimited transactions, a monthly budget plan, goals, recurring payments, investments, bank statement import and 12 months of reports, with no ads. Pro (€4.99 a month or €39.99 a year) adds higher limits, your full report history, the debt planner, 70-year scenarios, receipts, monthly backups and households. Cancel anytime and keep your data.
Can WalletCalm see my financial data?
No. Your data is encrypted in your browser before it's saved, with keys the server never receives. WalletCalm stores ciphertext and can't read your accounts, transactions or budgets.
Do you connect to my bank?
No. You add transactions yourself or import a statement file (CSV, OFX, camt.053 or MT940) from your online banking. Your bank login never touches WalletCalm.
Can I track my investments?
Yes. Add stocks, ETFs, funds and crypto with their buys, sales and dividends. WalletCalm shows their value, gains and allocation and counts them in your net worth.
How are payments handled?
Pro subscriptions are processed by Lemon Squeezy, our merchant of record, which also handles VAT and invoices. WalletCalm never sees your card details, and your financial data is never shared with the payment provider.
Which currencies are supported?
29 currencies, from EUR, USD, GBP and CHF to MKD, ALL and TRY. Each account keeps its own currency, and amounts are never converted behind your back. Totals in one currency use the European Central Bank's daily rates, or a rate you set yourself.
Can I try it without signing up?
Yes. “View demo” opens a temporary account full of fictional sample data, with every Pro feature unlocked. It's deleted automatically within a day.
Does it work on my phone?
Yes. WalletCalm is designed for phones first and works in any modern browser. Add it to your home screen for an app-like experience.