A money app with no server

Know what's
safe to spend
today.

WLLT-e logs your money by itself from notifications, your voice and receipts, then works out your daily allowance. All of it stays on your phone: no account, no server.

0servers holding your data
4ways it logs by itself
0monthly fees
  • No account
  • No server
  • No ads or trackers
  • Your data stays on your phone
  • Locked with your fingerprint
  • Insights without AI
  • Sharing without internet
  • No subscription

How it works

From what you spend
to one number each morning.

No typing it all in again. WLLT-e reads what you spend, sets aside what has to be paid, and shares the rest out over the days until payday.

  1. 01

    Notifications and screenshots, read as they arrive

    Payments from your bank and wallet apps, and screenshots of transfers, are read on the phone the moment they come in. You just tick them off.

  2. 02

    Or just say it

    Hold the log button and say what you bought. The amount, category and account are picked out, and WLLT-e learns from what you log.

  3. 03

    Snap a receipt, down to each item

    The total, the shop and how you paid are read from the photo. With PRO, every item on the receipt goes to its own category, and it still adds up.

  4. 04

    What's spoken for comes off first

    Bills, installments and savings goals are taken off your income. What's left is spread evenly over the days until payday.

  5. 05

    One number every morning

    What's safe to spend today. Spend less today and tomorrow's grows; go over and tomorrow adjusts.

Inside

More than a log.

  • PRO

    Kira explains

    Why this month cost more, where it went, and what you could save. Worked out by rules on your phone, with no AI.

    Eating out rose 38%, mostly delivery at weekends. Two fewer orders a week would save about $15.

  • Search, then pick several

    Find anything by name, category, account or amount, like 25k. Hold a result to move or delete many at once.

    Morning coffee−3.50
    Coffee with Sam−7.20
    Coffee beans−14.00
  • Move in from anywhere

    Bring a CSV from another money app or your bank. Its columns are recognised by themselves, and anything already there is skipped.

    Money LoverSpendeeYNABBank CSVBank statement PDF · PRO
  • Split the bill

    Pay for the table: your share stays your spending, theirs becomes money owed to you. The message to send them is one tap away.

    $40 ÷ 4

    $10 each · Andi, Budi, Citra

  • PRO

    Budget as a couple

    One wallet for two. Shared accounts, budgets and goals sync straight between your phones over Wi-Fi Direct: encrypted, with no server.

    Match on both phones

    482 913

  • App lock

    Your fingerprint, face or the phone's screen lock each time WLLT-e opens. It's blanked out in the recent-apps list too.

    WLLT-e is locked

  • Savings challenges

    No-spend days, a break from the habit you pay for most, and the 52-week challenge, ready to become a savings goal.

    10 of the last 14 days · 4 in a row

  • Your year in review

    A year on one card: where most of it went, your regular spot, the costliest month and your no-spend days. Ready to share.

    2026 in review

    $3,480

    Regular spot: the corner café, 48×

  • Home-screen widgets

    One-tap logging by category, today's allowance, budgets left and what needs a look, without opening the app.

    FoodTransportShoppingCoffee
  • Milestones that stay

    Once earned, never taken back. Debt-free again after new debt? The count goes up, and there's a Back on top badge.

    Debt-free ×2Back on topBills on time

Pick your focus

As simple or as complete
as you want it.

Chosen the first time you open the app, and changed any time after. Only what's shown changes; everything you've logged stays.

Track spending

The simplest. Where your money goes, by day and by category, with no payday, balances or budget to fill in.

Suggested

Income & spending

Payday, a budget and what's safe to spend each day, with bills, goals, debts and budgeting as a couple.

Full net worth

All of it, plus your net worth, assets, a plant that grows with them and a financial health score.

Works offline

Your bank data
stays on your phone.

WLLT-e reads your bank's notifications on your own phone. It takes only the amount, the shop and the time, and keeps them on that same phone. Nothing is sent to WLLT-e, because there's no WLLT-e server to send it to.

  • Works in airplane mode

    Logging from bank and e-wallet notifications, manual entries, budgets, your daily allowance, reports and Kira.

  • Receipts and screenshots read on the phone

    The text reader is installed by Google Play alongside the app, so images never need uploading.

  • Couples sync without the internet

    Two phones swap data directly over Wi-Fi Direct, encrypted, with no router or server.

What may need the internet: your phone's built-in speech recogniser (depending on the phone and language) and buying PRO through Google Play. If Google backup is on in your phone's settings, Android also keeps a copy in your own Google account.

Privacy

Your data is never sent to WLLT-e.

No account, server, ads or trackers. Everything is worked out on your phone, and you hold the only copy.

Read the privacy policy
  • No account

    Start right away. No email or password is ever kept.

  • No server

    There's no customer database to leak.

  • App lock

    Your phone's own fingerprint, face or screen lock. WLLT-e keeps no PIN.

  • Read on the phone

    Receipts, screenshots, CSVs and bank statement PDFs are read on the phone, never uploaded.

  • Shared directly

    Budgeting as a couple goes straight from phone to phone, encrypted with a key only the two of you hold.

  • Export any time

    Every transaction can be saved as CSV, and Android's built-in Google backup keeps a copy too.

No subscription

No bill
next month.

Subscriptions make sense when there's a server to pay for every month. WLLT-e has none: everything is worked out on your phone. So there's no monthly cost for us to pass on to you.

  • Our costs don't grow every month

    With no servers, databases or paid AI behind it, WLLT-e has no reason to charge you more over time.

  • Free stays free

    Logging, accounts, budgets, imports and backups won't be moved behind a paywall.

  • Nothing gets locked

    There's no subscription to run out, so features and data never lock on you. Everything stays on your phone and exports whenever you like.

Monthly subscription PRO, paid once Free Month 1Year 1Year 2Year 3
An illustration of the total paid over time, not any particular app's price.

Pricing

Free to log.
PRO is a one-time purchase.

No monthly subscription. Pay once through Google Play, in your own currency, and it's yours for good on your Google account.

Free

Rp 0

forever


  • Unlimited logging by hand, voice, receipt, screenshot and notification
  • Unlimited accounts, wallets and budgets
  • Three focuses, app lock, search and multi-select
  • CSV import, CSV and Google backup
  • Bill splitting, savings challenges and your year in review
  • 1 goal, 3 bills, 3 debts and 5 assets
  • Reports for the last 3 periods, and 1 widget
Start free

PRO for life

Rp 149,000

once, no subscription. Google Play shows it in your own currency.


  • Everything in Free
  • Unlimited goals, bills, debts and assets
  • Every report, plus yearly ones
  • Every widget, Quick log and Budget left included
  • Kira's insights: why it cost more, where, and what you could save
  • Receipts split by item
  • Bank statement PDF import, read on the phone
  • Budget as a couple over Wi-Fi Direct (PRO on both phones)
Download, then get PRO in the app

Questions people
often ask.

Still wondering? Write to [email protected].

Is WLLT-e really free?

Yes. Logging, accounts, budgets, importing and backups are free for good. PRO is paid once to lift every limit and add the extra features, with no subscription.

Does my data go to a server?

Not to us. WLLT-e has no server, and everything is worked out on the phone. The one exception is the phone's own speech recogniser, usually Google's, which may process what you say on its provider's servers. The details, ML Kit's text reader included, are in the privacy policy.

Does it work outside Indonesia?

Yes. The app speaks English and Indonesian and works in your currency. Reading payment notifications is tuned for Indonesian banks and e-wallets such as BCA, Mandiri, GoPay and OVO; elsewhere you choose which apps it reads for each account, and voice, receipts, screenshots and imports work wherever you are.

Can I move over from another app?

Yes. In Account, under Data, tap Import transactions and pick a CSV from another money app or your bank: its columns are recognised by themselves, and transactions already there are skipped. A bank statement PDF can be imported with PRO.

How does budgeting as a couple work without the internet?

The two phones connect directly over Wi-Fi Direct, with no router and no server. The first time, you check that the same six digits show on both screens; after that every sync is encrypted with a key only those two phones hold. Only the accounts and goals you choose are shared, plus your category budgets. Both phones need PRO.

Does Kira use AI?

No. Kira compares this period with the last using rules that run on the phone: what rose and why, what fell, what's a new habit, and what you could save. Nothing is sent anywhere.

What if I change phones?

Two ways. First, Android's own Google backup: when backup is on in your phone's settings, Android saves a copy of WLLT-e's data to your Google account about once a day, and restores it when you install WLLT-e on a new phone with the same account. There's nothing to set up in WLLT-e. Second, turn on CSV backup in Account to save a copy to a folder you choose, then import that file on the new phone.

Does WLLT-e give investment advice?

No. WLLT-e only records and works things out. Assets can be logged to see your net worth, with no advice to buy or sell.

Contact

Got feedback?
Write it here.

Found a bug, have an idea, or want to ask something? Every message is read by the people who make WLLT-e.

[email protected]

Only what you write here is sent. See the privacy policy.

WLLT-e · Feedback
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Start logging today.

Free, no account, and your data stays on your phone.

Get it on Google Play