WIYLOExplore the app 
DESIGNED FOR YOUR IPHONE
It all starts
with a clearer
view.
It is about more than how much you have.
It is what you can put towards what comes next.
YOUR FINANCES, IN PERSPECTIVE
Your money,
with direction.
Know what you can spend today.
With upcoming payments already in mind.
Organise your spending, look beyond your balance and decide with confidence. Your data stays on your iPhone.
iPhone · iOS 17+No account required
Illustrative view · fictional data
A clearer picture. Calmer decisions.↓
LESS NOISE. MORE PERSPECTIVE.One glance.
One glance.
A little peace of mind.
What you can spend, upcoming payments and your plans.
Everything you need to decide, in one place.
It all starts
01 / WHAT YOU CAN REALLY SPEND
Room to spend,
today.
With upcoming payments already planned.
A clearer number to guide your decisions.
02 / WHAT COMES NEXT
Make room
for your plans.
Your goals and your safety buffer,
before you spend.
03 / IN YOUR HANDS
Your data.
Your control.
Your information lives on your iPhone.
You choose what happens next.
Illustrative scene
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SCROLL TO EXPLORE Try your spending allowance
01 / A CLEARER VIEW
What you have is not always
what you can spend.
Your balance also includes rent, subscriptions and that trip you are planning.
Entering every expense by hand takes time. A receipt or a bank file can make it quicker.
And your money is personal. That is why WIYLO starts and lives on your own iPhone.
WHAT YOU CAN REALLY SPEND
Make space
for what comes next.
From today’s balance, the app sets aside upcoming payments, your plans and savings goals, and the safety buffer you choose. You see what is really left to spend.
You can also see how expected income changes things, what you can spend each day and what your category budgets allow.
Try an example with fictional dataYour month, in perspectiveExample
Today’s balance€2,850
Upcoming payments−€810
Plans and savings goals−€300
−€500
Adjust the buffer to see how your spending allowance changes.
Available to spend
This example simplifies the calculation. In the app, alerts warn you about possible negative balances and budgets at risk.
A LITTLE MORE PEACE OF MIND
02 / LESS EFFORT, MORE CONTROL
From a single expense
to a month that makes sense.
You add. The app organises and forecasts.
You decide knowing what you can spend.
Add it your way.
Scan a receipt, paste a screenshot, import a bank file or add an expense in a few taps.
Review and save.
Check each transaction before saving it. The app flags possible duplicates and remembers your categories.
Decide with confidence.
Look 30, 90 or 180 days ahead. Simulate a purchase or make a savings plan while keeping your safety buffer in view.
Your bank, through a file.
Excel, ODS, CSV, PDF, OFX/QFX, QIF and Norma 43. Imported transactions do not adjust your balance by default; you can enable that option during review.
FROM DATA TO CHART
How a chart
comes to life.
From the data you review to the information that helps you decide. Scroll to watch each transaction become a bar and a curve. Tap categories and explore the amounts.
Scroll to build the charts · Fictional data
Your accountsExample
Balance across all accounts€2,850.00
Personal accountEveryday spending
€1,450.00Shared accountShared expenses
€900.00Investment accountMoney set aside
€500.00Example accounts and amounts.
03 / EVERY ACCOUNT IN ITS PLACE
Your money has
more than one home.
A personal account, a shared account and one for investments. View each balance separately or see them all together.
- The same filter in Home, Forecast, Expenses and Assistant.
- Choose the account for each transaction when importing.
- Set up widgets and alerts for the accounts you choose.
Plans, savings goals and the safety buffer apply to the total. Transfers between accounts are currently handled by editing balances.
04 / HELP THAT RESPECTS YOUR DECISIONS
The assistant suggests.
You confirm.
Ask where you could adjust your spending or what has increased this month, using an AI provider you choose.
The assistant is available only when you connect your own API key for ChatGPT, Gemini, DeepSeek, Claude, Mistral or another compatible provider. Your question and the data you choose may be sent to that provider for processing. Cost and quality depend on the service you choose.
✓
Every change is shown before it is saved.
You can confirm and undo.
By default, summaries are shared without merchant names. Transaction details are optional. Personal names are abbreviated to initials and you can mark names to hide them; the automatic filter may not detect every name. AI can make mistakes.
✧ AssistantDemo
Create a €250 restaurant budget.
PROPOSED CHANGE
Restaurant budget
BeforeNo budget
After€250 / month
It will only be applied when you confirm.
Interactive example. It does not change your finances.
Suggestions respect the selected account.
Bulk deletions require double confirmation and authentication.
05 / PRIVACY FROM THE START
Your data.
Your iPhone. Your control.
No app account, no ads and no server of our own storing your finances.
They stay with you.
The database lives on your iPhone. iCloud sync is disabled.
One glance is enough.
Lock with Face ID, Touch ID or your passcode. Content is hidden in the app switcher.
Protected keys.
AI keys are stored in the iPhone Keychain.
The receipt is discarded.
Text is recognised on your device. The receipt image is not kept.
Even when updating.
A backup of the data store is made before every data migration. You can enable extra protection for exports and deletions.
06 / NO FINE PRINT
You might be
wondering…
Clear answers.
Does my data leave my phone?
Financial data is stored on your iPhone. If you use an external AI API, the necessary information is shared with that service. With AI, summaries without merchant names are sent by default; details are optional. Personal names are abbreviated to initials and can be hidden, although the automatic filter may not detect every name.
Do I need to create an account?
You do not need a WIYLO account. Optional external services, such as an AI provider, have their own terms and credentials.
Do I need AI?
Not to record expenses, check what you can spend or plan ahead. To use the assistant, you do need to connect an AI provider with your own key. Cost and quality depend on the service you choose; the app does not include free AI.
Can the assistant change my data without telling me?
No. Changes are suggested, shown and require your confirmation. You can undo them. Bulk deletions require double confirmation and Face ID.
Does it work with my bank?
You can import files from many banks: Excel, ODS, CSV, PDF, OFX/QFX, QIF or Norma 43. Direct bank connections are disabled in the current public version.
Can I have multiple accounts?
Yes. Each account has its own balance and you can filter by account or view the total. Plans, goals and the safety buffer apply to the total. Transfers between accounts are currently handled by editing balances.
What happens to receipt photos?
Apple Vision reads the text on your iPhone. The app does not save receipt images.
Do imported transactions change my balance?
Not by default: the balance you copy from your bank usually includes those transactions. You can enable balance adjustments when reviewing the import.
Can I use it on Android or multiple devices?
It is built for iPhone with iOS 17 or later. There is no Android or web version of the app. Cross-device iCloud sync is disabled.
For those who want to look under the hood ↗
A native app built with SwiftUI and SwiftData. Recognition with Apple Vision, charts with Swift Charts, widgets with WidgetKit and shortcuts with App Intents. Versioned schema, migrations with prior backups and automated tests.
The MCP server is disabled in the current public version.
The assistant can generate bar, line and pie charts and export them as PNG, PDF and CSV. The monthly report can also be exported as PDF.
CURRENT STATUS
A personal project.
A calmer way
to look at your money.
WIYLO is a personal iPhone app installed through Xcode. As of October 2026, it is not published on the App Store.
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