Wallet by BudgetBakers

Wallet, made by the Czech company BudgetBakers, connects to US bank and credit card accounts through Plaid and uses an AI-assisted system to sort transactions into categories automatically, learning from corrections over time the way most modern categorization engines do. Multi-currency support is a genuine strength here, useful for anyone who travels often or holds accounts in more than one currency, an area where plenty of US-focused competitors don’t bother.

The free tier includes bank syncing and basic budgeting, while Wallet Premium, somewhere between $5 and $10 a month, adds unlimited budgets, more detailed reports, and priority support. It works for someone who wants automated categorization without paying Monarch or Copilot prices, though the reporting and planning tools go less deep than the higher-priced all-in-one apps. International users and people who deal in more than one currency get more out of it than someone whose finances are entirely in US dollars.