# WIYLO — Expense tracker and budget planner for iPhone Source: https://wiylo.com/en.html Language: en 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. [See how it works ↓](#como-funciona)[App availability ↗](#disponibilidad) iPhone · iOS 17+ No account required Illustrative view · fictional data A clearer picture. Calmer decisions.[↓](#en-tu-terreno) LESS NOISE. MORE PERSPECTIVE. ## One glance. A little peace of mind. What you can spend, upcoming payments and your plans. Everything you need to decide, in one place. Illustrative scene. Scrolling moves forwards and backwards through the video. Its interface is not an actual app screenshot. 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. 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 Pause motion The scene could not be loaded. Try again SCROLL TO EXPLORE ↓ [Try your spending allowance ↗](#disponible) 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 data Your month, in perspective Example Today’s balance €2,850 Upcoming payments −€810 Plans and savings goals −€300 Your safety buffer −€500 Adjust the buffer to see how your spending allowance changes. Available to spend €1,240 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 ## More clarity for decisions. More calm in your day. 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. 01 COFFEE AND TOAST €5.80 ✓ Ready to review ### Add it your way. Scan a receipt, paste a screenshot, import a bank file or add an expense in a few taps. 02 ↗ Food €58 ↻ Subscriptions €24 ⌂ Home €650 ### Review and save. Check each transaction before saving it. The app flags possible duplicates and remembers your categories. 03 TODAYMONTH END ### 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. [Interactive charts](https://wiylo.com/assets/anatomy-phone-en.html?v=graphs-only-03&scroll=1) Scroll to build the charts · Fictional data [Open the charts in full screen ↗](https://wiylo.com/assets/anatomy-phone-en.html?v=graphs-only-03) Your accounts Example All Personal Shared Investment Balance across all accounts €2,850.00 P Personal account Everyday spending €1,450.00 C Shared account Shared expenses €900.00 I Investment account Money set aside €500.00 Example 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. ✧ Assistant Demo Create a €250 restaurant budget. PROPOSED CHANGE ### Restaurant budget Before No budget After €250 / month It will only be applied when you confirm. Confirm example ✓ Undo example ↶ 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. ALWAYS WITHIN REACH ## One glance. Then get on with your day. Home Screen and Lock Screen widgets show your spending allowance, monthly spending and upcoming payments. Amounts are hidden by default: you choose when to reveal them. Check your spending allowance with Siri and Shortcuts. Receive local alerts for upcoming payments at 9:00 and export expenses and income to CSV. ↗ WIYLO Shared Available to spend •••• € Upcoming payments •••• € Show example amounts ◉ Illustrative widget example 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. iPhone · iOS 17 or later / No public download yet [Explore the app again ↑](#contenido)