# Show HN: Waisly – a budgeting app that never asks for your bank login > Source: > Published: 2026-07-01 10:51:04+00:00 ## Everything you need to manage your finances Powerful features designed to give you complete control over your money ### AI-Assisted Capture Paste an SMS or email, snap a receipt, or type a quick note — AI extracts the transaction in seconds. ### Smart Budgets Set monthly and category budgets with intelligent alerts when you're approaching limits. ### Savings Goals Set financial goals and track progress with AI-powered ETA predictions. ### Beautiful Analytics Understand your spending patterns with intuitive charts and personalized insights. ### Subscription Tracker AI recognizes Netflix, your gym, your phone bill — track them as subscriptions with one tap. ### Multi-Currency Support for 50+ currencies with automatic conversion between any pair. See every amount in your preferred currency instantly. ## Built for the way you actually spend Whether you cross borders, run a business, or share a household, Waisly fits. ### For travelers Track expenses across currencies without manual conversion. Photo a receipt in any language; tip-aware extraction keeps every line item accurate. ### For freelancers Item-level analytics for tax-deductible expenses. Export reports in any period — CSV or PDF, ready for your accountant. ### For couples & households Shared visibility coming soon. Today: separate accounts with the same multi-currency support, so each person's view stays accurate. ## AI from anywhere Tell Waisly what you spent, however you have it. Paste it, photo it, or let it recognize the recurring stuff. Waisly figures out the rest. ### Paste any text Paste an SMS, email body, or push notification. AI extracts the merchant, amount, currency, and category. Pasted message Your card ending 4242 was charged $42.30 at WHOLE FOODS MARKET on Apr 21 Whole Foods Market $42.30 ### Snap any receipt Photo your receipt. AI captures every line item, tax, tip, and total — ready to save in one tap. Receipt photo Blue Bottle Coffee $18.45 Items - Cappuccino$5.50 - Almond croissant$4.75 - Drip coffee × 2$6.00 ### Recurring bill detection AI recognizes Starlink, Netflix, your gym membership — from a pasted SMS, a snapped receipt, or a recent transaction. Track them as subscriptions with one tap. Looks like a subscription? We've seen Netflix charges from this account before — track it as a recurring subscription? ## What early users are saying Voices from our beta testers and waitlist community. Preview — illustrative quotes. Real testimonials coming after launch. ## Know what you actually buy Most apps tell you that you spent $350 on groceries. Waisly shows you the milk, the coffee, the snacks — every item across every receipt. ### Search across every receipt Find every time you bought oat milk this year — across all stores, in seconds. ### See top items inside categories Tap into any category to see the items behind the total — not just a number, the actual stuff. ### Smart variant grouping Large Coffee, Iced Mocha, Small Coffee — Waisly groups them under one ‘Coffee’ line. See your real habits, not store SKU noise. ## Your money, on a calendar Every transaction, subscription renewal, and recurring paycheck on one timeline. Tap any day to see exactly what hit (or hits) your accounts. Waisly 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. ### Day & week views Drill into a single day or scan the whole week at a glance — your dashboard already has a compact week strip ready to tap. ### Color-coded by type Transactions, subscription renewals, and recurring income each get their own dot. Up to three per day; a +N marker covers the rest. ### Money-by-day breakdown Tap a date to expand a list of every event grouped by type, then jump straight to the underlying transaction or subscription. ## One app, every currency Spend in dollars, earn in euros, save in yen — see everything in your preferred currency Coffee Shop Today $4.50 ₱252.00 Train Ticket Yesterday ¥1,200 ₱449.83 Hotel Booking Last week €89.00 ₱5,437.32 50+ currencies supported ## Free or Pro — your choice Everything you need to start is free. Upgrade when you want AI to do the typing for you. | Feature | Free | Pro$4.99/mo | |---|---|---| | Unlimited transactions, budgets, and goals | || | Smart categorization | || | Multi-currency (50+ currencies) | || | Background sync | || | Multi-language (6 languages) | || | AI receipt scanning | || | AI text parsing (paste any SMS or email) | || | Auto-detect subscriptions | || | AI insights & tips | || | Item analytics (Top Items, search) | || | Cloud sync & multi-device | Get Pro— $4.99/mo Available when the app launches. Join the waitlist for a 1-month Pro trial. • or $39.99/year ## Your data stays yours Privacy-first design with on-device processing. We never sell your financial data. ## Privacy you can verify Four promises that shape how Waisly is built — not just how it's marketed. ### Your data, your device Local-first storage. The app works fully offline; cloud sync only happens when you explicitly upgrade to Pro. ### Encrypted in transit and at rest TLS in transit, encrypted backups at rest, and secure enclaves for credentials on supported devices. ### No ads, no data sales We're funded by Pro subscriptions — not by selling your spending habits. Ever. ### You're in control Export anytime as CSV or JSON. Delete your account and any cloud data with one tap. ## Be the first to know Join our waitlist and get 1 month free Pro when we launch!