{"slug": "show-hn-waisly-a-budgeting-app-that-never-asks-for-your-bank-login", "title": "Show HN: Waisly – a budgeting app that never asks for your bank login", "summary": "Waisly, a new budgeting app, launched on Hacker News, offering AI-assisted transaction capture from SMS, emails, and receipts without requiring bank login credentials. The app features smart budgets, savings goals, multi-currency support, and item-level analytics, targeting travelers, freelancers, and households.", "body_md": "## Everything you need to manage your finances\n\nPowerful features designed to give you complete control over your money\n\n### AI-Assisted Capture\n\nPaste an SMS or email, snap a receipt, or type a quick note — AI extracts the transaction in seconds.\n\n### Smart Budgets\n\nSet monthly and category budgets with intelligent alerts when you're approaching limits.\n\n### Savings Goals\n\nSet financial goals and track progress with AI-powered ETA predictions.\n\n### Beautiful Analytics\n\nUnderstand your spending patterns with intuitive charts and personalized insights.\n\n### Subscription Tracker\n\nAI recognizes Netflix, your gym, your phone bill — track them as subscriptions with one tap.\n\n### Multi-Currency\n\nSupport for 50+ currencies with automatic conversion between any pair. See every amount in your preferred currency instantly.\n\n## Built for the way you actually spend\n\nWhether you cross borders, run a business, or share a household, Waisly fits.\n\n### For travelers\n\nTrack expenses across currencies without manual conversion. Photo a receipt in any language; tip-aware extraction keeps every line item accurate.\n\n### For freelancers\n\nItem-level analytics for tax-deductible expenses. Export reports in any period — CSV or PDF, ready for your accountant.\n\n### For couples & households\n\nShared visibility coming soon. Today: separate accounts with the same multi-currency support, so each person's view stays accurate.\n\n## AI from anywhere\n\nTell Waisly what you spent, however you have it. Paste it, photo it, or let it recognize the recurring stuff. Waisly figures out the rest.\n\n### Paste any text\n\nPaste an SMS, email body, or push notification. AI extracts the merchant, amount, currency, and category.\n\nPasted message\n\nYour card ending 4242 was charged $42.30 at WHOLE FOODS MARKET on Apr 21\n\nWhole Foods Market\n\n$42.30\n\n### Snap any receipt\n\nPhoto your receipt. AI captures every line item, tax, tip, and total — ready to save in one tap.\n\nReceipt photo\n\nBlue Bottle Coffee\n\n$18.45\n\nItems\n\n- Cappuccino$5.50\n- Almond croissant$4.75\n- Drip coffee × 2$6.00\n\n### Recurring bill detection\n\nAI recognizes Starlink, Netflix, your gym membership — from a pasted SMS, a snapped receipt, or a recent transaction. Track them as subscriptions with one tap.\n\nLooks like a subscription?\n\nWe've seen Netflix charges from this account before — track it as a recurring subscription?\n\n## What early users are saying\n\nVoices from our beta testers and waitlist community.\n\nPreview — illustrative quotes. Real testimonials coming after launch.\n\n## Know what you actually buy\n\nMost apps tell you that you spent $350 on groceries. Waisly shows you the milk, the coffee, the snacks — every item across every receipt.\n\n### Search across every receipt\n\nFind every time you bought oat milk this year — across all stores, in seconds.\n\n### See top items inside categories\n\nTap into any category to see the items behind the total — not just a number, the actual stuff.\n\n### Smart variant grouping\n\nLarge Coffee, Iced Mocha, Small Coffee — Waisly groups them under one ‘Coffee’ line. See your real habits, not store SKU noise.\n\n## Your money, on a calendar\n\nEvery transaction, subscription renewal, and recurring paycheck on one timeline. Tap any day to see exactly what hit (or hits) your accounts.\n\nWaisly visualises every money event on a month grid — and surfaces the current week right on your dashboard, so you always know what's coming next.\n\n### Day & week views\n\nDrill into a single day or scan the whole week at a glance — your dashboard already has a compact week strip ready to tap.\n\n### Color-coded by type\n\nTransactions, subscription renewals, and recurring income each get their own dot. Up to three per day; a +N marker covers the rest.\n\n### Money-by-day breakdown\n\nTap a date to expand a list of every event grouped by type, then jump straight to the underlying transaction or subscription.\n\n## One app, every currency\n\nSpend in dollars, earn in euros, save in yen — see everything in your preferred currency\n\nCoffee Shop\n\nToday\n\n$4.50\n\n₱252.00\n\nTrain Ticket\n\nYesterday\n\n¥1,200\n\n₱449.83\n\nHotel Booking\n\nLast week\n\n€89.00\n\n₱5,437.32\n\n50+ currencies supported\n\n## Free or Pro — your choice\n\nEverything you need to start is free. Upgrade when you want AI to do the typing for you.\n\n| Feature | Free | Pro$4.99/mo |\n|---|---|---|\n| Unlimited transactions, budgets, and goals | ||\n| Smart categorization | ||\n| Multi-currency (50+ currencies) | ||\n| Background sync | ||\n| Multi-language (6 languages) | ||\n| AI receipt scanning | ||\n| AI text parsing (paste any SMS or email) | ||\n| Auto-detect subscriptions | ||\n| AI insights & tips | ||\n| Item analytics (Top Items, search) | ||\n| Cloud sync & multi-device |\n\nGet Pro— $4.99/mo\n\nAvailable when the app launches. Join the waitlist for a 1-month Pro trial. • or $39.99/year\n\n## Your data stays yours\n\nPrivacy-first design with on-device processing. We never sell your financial data.\n\n## Privacy you can verify\n\nFour promises that shape how Waisly is built — not just how it's marketed.\n\n### Your data, your device\n\nLocal-first storage. The app works fully offline; cloud sync only happens when you explicitly upgrade to Pro.\n\n### Encrypted in transit and at rest\n\nTLS in transit, encrypted backups at rest, and secure enclaves for credentials on supported devices.\n\n### No ads, no data sales\n\nWe're funded by Pro subscriptions — not by selling your spending habits. Ever.\n\n### You're in control\n\nExport anytime as CSV or JSON. Delete your account and any cloud data with one tap.\n\n## Be the first to know\n\nJoin our waitlist and get 1 month free Pro when we launch!", "url": "https://wpnews.pro/news/show-hn-waisly-a-budgeting-app-that-never-asks-for-your-bank-login", "canonical_source": "https://getwaisly.app/en", "published_at": "2026-07-01 10:51:04+00:00", "updated_at": "2026-07-01 11:20:30.103803+00:00", "lang": "en", "topics": ["artificial-intelligence", "ai-products", "ai-tools", "ai-startups"], "entities": ["Waisly", "Netflix", "Whole Foods Market", "Blue Bottle Coffee", "Starlink"], "alternates": {"html": "https://wpnews.pro/news/show-hn-waisly-a-budgeting-app-that-never-asks-for-your-bank-login", "markdown": "https://wpnews.pro/news/show-hn-waisly-a-budgeting-app-that-never-asks-for-your-bank-login.md", "text": "https://wpnews.pro/news/show-hn-waisly-a-budgeting-app-that-never-asks-for-your-bank-login.txt", "jsonld": "https://wpnews.pro/news/show-hn-waisly-a-budgeting-app-that-never-asks-for-your-bank-login.jsonld"}}