Show HN: Waisly – a budgeting app that never asks for your bank login

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.

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