Wally

Wally lets you log expenses by hand or connect a bank account, splitting the difference between apps that demand full manual entry and ones that require a live feed. Categories cover the usual list, food, transport, bills, and the app tracks recurring expenses so they don’t have to be re-entered every month. In 2026 Wally added an AI assistant built into the app that answers plain-language questions about your spending, something like asking how much you spent on restaurants last month instead of digging through a category screen.

The core app is free, with shared budgeting built in so a partner or roommate can view the same numbers without a separate paid plan. That makes it a reasonable pick for two people splitting costs who don’t want to pay for one of the dedicated couples apps. It works best for someone who wants a lighter touch than a full bank-synced platform but doesn’t want to type in every single transaction by hand either.