AI-Powered Finance

Where does all your money actually go?

Most people can't account for 30% of their spending. SmartWalt finds every missing dollar. Just speak, snap a receipt, or ask your AI coach. No bank linking, no spreadsheets.

Get on Play StoreJoin iOS Waitlist
AI-Powered Tracking No bank linking required Free to start · Pro from $4.99/mo
SmartWalt voice expense tracker — say it in 3 seconds
SmartWalt receipt scanner — snap any receipt, AI reads it instantly
Walt AI financial coach — ask anything about your money

SmartWalt is an AI-powered expense tracker that makes personal finance effortless. Just say “coffee $4” into your phone, snap a photo of any receipt, or ask Walt, your built-in AI financial coach, where your money went. No bank linking required, no manual categorising, no spreadsheets. Track every expense in under 3 seconds and start seeing your spending patterns within the first week.

Sound familiar?

The real reason you aren't saving money isn't because you don't earn enough. It's because tracking it is just too hard.

Where'd my paycheck go?

You earned $4,000 this month. You can only account for $2,800. The rest? Small purchases you forgot about: coffee, subscriptions, impulse buys that add up fast.

Budget apps feel like a second job

You've tried tracking before. It needs 10 minutes of manual entry every day. By Thursday, you've stopped. Most apps require linking your bank account just to get started.

Saving feels impossible

You keep telling yourself you'll start saving 'next month.' But without knowing your real spending patterns, next month never comes.

SmartWalt fixes this.In 3 seconds.

The Solution

Tracking should be effortless.

We built SmartWalt to be so fast, you'll actually use it every single day.

SmartWalt voice expense tracker — say 'coffee $4' and it logs automatically in 3 seconds
Takes 3 seconds

Just Say It

Stop categorizing spreadsheets. Just tell SmartWalt what you bought, and our AI handles the exact amount, category, and date automatically.

  • No manual typing
  • Auto-categorization
  • English only (more languages coming)
SmartWalt receipt scanner — snap any receipt and AI reads amount, vendor and date instantly
Takes 2 seconds

Just Snap It

Got a receipt, invoice, or bill? Just snap a photo. SmartWalt instantly reads the amount, vendor, and date, and logs it as an expense automatically.

  • Works with receipts, invoices & bills
  • Auto-extracts amount, vendor & date
  • Instantly logged as an expense
Walt AI financial coach — ask anything about your spending and get instant personalized answers
Your personal CFO

Just Ask Walt

Not sure if you can afford that new laptop? Ask Walt. It analyzes your spending velocity and tells you instantly.

  • Conversational insights
  • Overspend warnings
  • Custom saving strategies
The Process

From zero to saving in 30 seconds.

1

Download & Launch

Download free. Open app. Enter your name. Done. No bank linking, no 20-screen onboarding.

2

Add in 3 Seconds

Say 'Lunch $12' or snap your receipt. Our AI automatically extracts the amount, vendor, category, and date.

3

See Your Wealth

Walt AI tells you exactly where your money goes. Find leaks, cancel subscriptions, and actually save money.

No bank linking

We never touch your bank account

Powered by AWS

Enterprise-grade encryption

Global Community

Users in 12+ countries

5/5 on Play Store

Rated by real users

Your Data

Full export, delete anytime

Core Features

Everything you need to regain control.

Powerful enough for complex finances, simple enough you'll actually use it.

Unified Dashboard

See your entire financial life in one place. No more switching between bank apps. Know exactly what you've spent, what's upcoming, and what's left instantly.

  • Real-time net worth
  • Recent transactions
  • Quick actions
Unified Dashboard

Spend Limits (Budgets)

Set spending limits for dining, groceries, entertainment, and more. We track your daily velocity and warn you before you hit the ceiling, so you always stay in control.

  • Custom category limits
  • Real-time velocity tracking
  • Budget alerts
Spend Limits (Budgets)

Spend Guide

Your AI-powered spending companion. Spend Guide analyzes your habits and gives you clear, actionable guidance on where you can cut back and how to hit your financial targets faster.

  • AI spending analysis
  • Personalized cut-back tips
  • Target-based guidance
Spend Guide

Goal Builder

Set meaningful financial goals and let SmartWalt build the roadmap to reach them. Whether it's an emergency fund, a vacation, or paying off debt. We break it down into daily targets.

  • Set any savings goal
  • Auto-calculated daily targets
  • Progress tracking
Goal Builder

AI Insights

Go beyond raw numbers. SmartWalt's AI Insights surface patterns in your spending you'd never spot yourself: weekly summaries, anomaly detection, and plain-English explanations.

  • Weekly AI summaries
  • Anomaly detection
  • Plain-English explanations
AI Insights

On iPhone? We're almost there.

Join 400+ people waiting for SmartWalt on iOS. Be the exact first to know when it drops in the App Store.

Secure Your Spot

No spam. Just one single email when we launch.

Pricing

Simple pricing, powerful results.

Start for free, upgrade when you're ready for AI superpowers.

Free

Get started with essential tracking

$0/forever
  • Smart Accounts
  • Quick Capture (manual entry)
  • Spend Limits (budgets)
  • Money Reminders
  • Basic Notifications
Get Started Free
Most Popular

Pro

Unlock full AI power

$4.99/month
  • All Free Features
  • Voice Spend
  • Snap Receipt (OCR)
  • Walt AI Coach
  • Spend Detective
  • Smart Insights
  • Goal Builder
  • Bill Guard
  • Money Reports
  • Priority Alerts
Start Pro Plan

No credit card required. Cancel anytime.

See full pricing details

Save 17% with yearly billing$49/year →

Your questions, answered honestly.

Everything you need to know before downloading.

Yes. SmartWalt is the best free YNAB alternative in 2026. The basic plan is completely free. No credit card required. The Pro plan with AI voice entry, receipt scanning, and the Walt AI coach is $4.99/month, compared to YNAB's $99/year. That's 20x cheaper for more features.
SmartWalt is one of the top Mint replacements. Unlike Mint, SmartWalt never requires bank account linking. You track expenses by voice, receipt scan, or manual entry. It's free to start, and the AI coach (Walt) gives you the spending insights Mint used to provide, plus more.
The app is free to download. Basic manual expense entry and simple tracking are available at no cost. Premium features like Voice Spend, Receipt Scanning, the AI Coach (Walt), and advanced insights require a paid plan. Think of the free tier as a way to try SmartWalt and see how it fits your lifestyle before upgrading.
Absolutely not. We are a software company, not a data broker. Your data is encrypted using AWS enterprise standards and is only used to provide you with your own financial insights. You can export or delete your data at any time.
Because other apps feel like a part-time job. They demand 10 minutes a day of categorizing and adjusting. SmartWalt takes 3 seconds: just push a button and say 'coffee 5 dollars.' If an app isn't effortless, you won't use it. SmartWalt is effortless.
Never. SmartWalt is built specifically to work without bank linking. You track expenses by voice ('lunch $12'), by snapping a receipt, or by typing manually. Your bank credentials are never requested, stored, or shared. This is one of the key reasons people switch from Mint and YNAB to SmartWalt.
It happens! You can bulk-add expenses later, or snap a receipt to log it instantly. You'll also get smart notifications reminding you to log your daily spending so nothing slips through the cracks.
We are actively developing the iOS version right now. It's our top priority. The best way to get it is to join the Waitlist above and you'll get an email the moment it's available in the App Store.

Start saving in 30 seconds.

Every day without tracking is money lost. Join thousands of users who finally know where their money goes, with AI that does the work for them.

Get SmartWalt FreeJoin iOS Waitlist