WiseFlow: Budget Companion

Meet WiseFlow, an AI budget tracker, expense tracker, and personal finance app built to help you understand your money and decide what to do next. WiseFlow adds Wisey, an AI financial companion that uses the information you track to explain spending, budgets, bills, goals, debts, and cash flow in plain language. Ask “Can I afford this?”, “Why was spending higher this week?”, or “How can I build an emergency fund?” Wisey gives you context based on your numbers while keeping you in control of every financial decision. Connect supported accounts through Plaid or track money manually. Keep transactions, budgets, bills, subscriptions, goals, debts, and your Financial Health Score in one app. MEET WISEY: YOUR AI MONEY COMPANION • Choose Companion mode for supportive guidance or Coach mode for a direct approach. • Check affordability using balances, budgets, bills, and upcoming commitments. • Build category budgets informed by your income and spending history. • Estimate an emergency-fund target and create a savings plan. • Understand cash flow after planned commitments. • Explore the transactions behind spending changes. Wisey provides educational information and personalized context. It does not make financial decisions, move money, or replace a qualified financial adviser. EXPENSE TRACKER AND QUICK ENTRY • Add income and expenses in seconds. • Scan a receipt and review the detected merchant, date, and total. • Record transactions by speaking with Voice Quick Add. • Start common actions from your device’s home screen. • Create custom categories and review details before saving. BANK ACCOUNT CONNECTIONS Connect supported bank and card accounts through Plaid. Review imported transactions, keep connected balances beside cash wallets, reconnect accounts when needed, and disconnect institutions inside WiseFlow. Availability depends on your country, institution, device, and Plaid support. Manual wallets remain available. BUDGET PLANNER AND SPENDING TRACKER Create flexible budgets for everyday life. • Set category spending targets. • Follow progress as transactions are recorded. • See what has been spent and what remains. • Compare spending across financial cycles. • Create recurring budgets. • Adjust limits when priorities change. WiseFlow shows the pace of your spending without moving or restricting your money. WALLETS, BILLS, AND SUBSCRIPTIONS • Manage cash, bank accounts, cards, and savings wallets. • Record transfers without counting moved money as income or spending. • Track bills, due dates, and payment status. • Manage recurring subscriptions. • Receive reminders for supported upcoming payments. • Review planned payments and income beside your cash flow. DEBTS, RECEIVABLES, AND SAVINGS GOALS Track money you owe and money owed to you. Record repayments, receivables, balances, and due information. Create a goal for an emergency fund, vacation, major purchase, or another priority. Set a target, record contributions and withdrawals, and follow progress. Use milestones and challenges to build consistent habits. FINANCIAL HEALTH SCORE Review a score from 0 to 100 across five areas: • Emergency preparedness • Debt health • Savings rate • Budget discipline • Spending health See your strengths, identify areas that may need attention, and review practical ways to strengthen your financial habits. WEEKLY SPENDING DIGEST WiseFlow summarizes recent activity each week. Compare spending with the previous cycle, understand what changed, recognize progress, and choose a useful next step. Explore spending patterns, category changes, and cash-flow context based on the information available in your account. PRIVATE BY DESIGN • Financial information is encrypted in transit. • Biometric lock supports fingerprint or face authentication for local privacy. • Disconnect linked accounts and request account deletion when needed. • WiseFlow does not sell your personal financial information.