A budget that stays on your phone. Free, with no bank login.
Budget is the part of Wayaroo that shows where your money goes. Type in what you spend, or add a statement file (CSV, OFX, QIF or Excel) from your bank's website, and Wayaroo sorts every payment into categories such as groceries, fuel, bills and eating out.
Wayaroo never asks for your bank login, there is no account, and your transactions are kept on your phone, not on our servers. Open Profile, then Budget.
Until your next pay
- Wayaroo finds your regular pay and your regular payments, such as rent, insurance and subscriptions, in what you've added.
- It adds up the regular bills that are due before your next pay.
- When your statement file has a balance in it, Wayaroo shows what is left to spend, and about how much that is a day.
The month at a glance
- Money in, money out, and what you kept this month.
- Spending by category, with your usual amount beside it.
- A monthly budget for any category, with a bar that fills as you spend.
- The last six months of money in and out, side by side.
Regular payments and subscriptions
- Payments that come every week, fortnight or month are listed with the date the next one is due.
- Subscriptions are added up for the year, so you can see what they cost and cancel the ones you don't use.
Sorting that you can correct
- Change a payment's category once, and every payment at that shop follows.
- Type cash payments in by hand: the amount, a category and a note.
- Save all your payments as a CSV file, made on your phone, to open in a spreadsheet.
How to add a statement
On your bank's website or in its app, choose Transactions, then Export or Download, then CSV, OFX (the Quicken, MYOB or Xero file; also called QFX or QBO), QIF or Excel (.xlsx). Files with tabs or semicolons between the columns work too. In Wayaroo, open Profile, then Budget, then Add bank statement (CSV, OFX, QIF or Excel). You can add newer files later: Wayaroo skips the payments it already has. The file is read on your phone. PDF statements and old Excel files (.xls) can't be read yet.
Good to know
Budget is a tool for your own records. Its totals, regular payments and "left to spend" are estimates worked out on your phone from what you add. They are not financial advice, and your bank's own records are what apply.
Free, no account, 20 languages. For iPhone and iPad. The Android app is in review at Google Play.
The amounts on this page's picture are examples. See privacy and the terms.