Beta Testing is Live

Master Your Wealth.
Zero Compromises.

A money tracker for people whose income is the complicated part. Track each employer separately, see what your gross turns into after tax and deductions, and keep all of it on your phone — no bank login, ever.

Join the Beta & Give Feedback Explore Features
WiseMoney dashboard showing financial health and the Financial Polygon Spending tab listing categorised transactions Income tab with year-to-date summary and logged pay Summary tab with wealth growth trend and monthly breakdown Settings tab showing theme, security, and management options
Why WiseMoney

Built for control.
Not for harvesting.

Most budgeting apps are advertising companies. This one isn’t.

Knows where your gross goes

Set an employer up once with a typical paystub and WiseMoney learns how your pay splits. Every payslip after that takes two numbers — gross and net — and it estimates the tax and deductions in between.

Employer profiles

No bank connection

WiseMoney never links to your bank. There is no Plaid, no WiseMoney account, and no server of ours holding your ledger. Your data stays on your phone — it never reaches us, because there is nowhere for it to go.

How we protect you →

Wealth, not just spending

Money moved into savings or investments isn’t an expense — it’s wealth. WiseMoney is one of the few trackers that counts it that way.

Savings · Investing

Export anything

Generate a polished PDF statement or dump everything to CSV in one tap. Your data leaves whenever you want it to — on your terms.

PDF · CSV

"Money is a tool. Use it wisely."

Product tour

Real screens.
Real numbers.

Every image below is the shipping app — not a mockup.

Income

Built for more than one paycheck

Most money apps assume one salary landing in one account. WiseMoney assumes the opposite.

Every employer, tracked on its own

Give each job its own profile and WiseMoney keeps year-to-date gross, tax, deductions, and true take-home separate for each one. A day job and freelance work sit side by side instead of being averaged into a single misleading number.

Employer Profiles screen with two employers: Creative Agency showing $20,800 gross, $3,600 income tax, $560 other and $16,640 net across 8 logged payslips, and Freelance Design showing $1,400 gross, $280 taxes and $1,120 net across 4.

Set it up once. Then two numbers.

Enter one typical paystub — gross, net, income tax, deductions — and WiseMoney learns how that employer splits the gap. From then on a payslip needs gross and net; it estimates the rest, so you can see roughly what went to tax and what went to your 401(k) and insurance instead of watching one number land in your account.

Estimates, not filings. The split is modelled from the paystub you gave it.

Year-to-date income summary: $22,200 gross, $3,880 income tax, $560 other, $17,760 net.
Spending

Where it goes after that

Once take-home is honest, the spending side finally means something.

Follow every dollar

The Cash Flow Waterfall shows exactly where your income lands — needs, wants, savings, investments — and what survives to the end of the month. One chart instead of a spreadsheet.

Cash Flow Waterfall chart breaking $4,440 of income into needs, wants, savings, investments, and $1,870 remaining.
Pacing Speedometer gauge showing 48 percent of monthly income spent.

Know your pace

A live burn-rate gauge tells you whether you’re on track — before the month runs out.

Expense statistics card breaking monthly spending down by category.

Category truth

Where the month actually went, ranked — not a pie chart you have to squint at.

Wealth

The part other trackers call an expense

Money moved into savings or investments isn’t spending. WiseMoney counts it as wealth built.

Financial Polygon radar chart plotting needs control, wants control, saving, investing, and efficiency.

Balance at a glance

Five dimensions of financial health in one shape. Spot what’s out of balance instantly.

Wealth year-to-date bar chart showing monthly investment contributions.

Watch it compound

Every contribution to savings and investments, tracked month over month.

Wealth Growth Trend line chart across May through September.

The long view

A full year of wealth growth in a single line, so the trend is obvious before the balance is.

Month by month

Drill into any month to see exactly what you built — or what set you back — then export the whole year as a PDF statement or CSV.

Monthly breakdown rows for September, August, and July showing wealth built each month.

It never leaves this device.

Every calculation happens on your phone. There is no server of ours holding your finances, and nothing for anyone to leak, subpoena, or sell. Four things you can check for yourself:

Learn How We Protect You

  • No bank connection

    No Plaid, no linked accounts, no read access to anything you own.

  • No account, no server

    Nothing to sign up for. Your ledger is stored locally with SwiftData, on your device only — export a CSV or PDF whenever you want a copy of your own.

  • No analytics, no ad SDKs

    No crash logs, no identifiers, no third-party trackers compiled into the app.

  • Your data leaves when you say so

    A PDF statement or a full CSV export, on demand — and nowhere else.