Budgeting for iPhone · No account needed

Budgeting freedom
starts here*

Walpat turns your budget into a simple daily pace. Log spending in seconds — by receipt, text message, Apple Pay, Siri or a tap on your Home Screen — and see whether you're on track, what you can safely spend today, and where your money really goes.

Download on iOSSee how it works

*No account. No bank login. Just your budget.

  • GHS 80 under paceYour Burn Rate, in plain words
  • Apple Pay · loggedPayments log themselves
Walpat Home screen showing GHS 1,128.70 left to spend, 10% less than last cycle, and the Burn Rate chart under budget pace
  • “How much can I spend?”GHS 86 a day keeps you on pace
  • Nudges that say something“Groceries is running low”
The problem

Most budgets fail quietly.

You set limits at the start of the month, life gets busy, the logging stops, and by the time you look again the money's gone. Walpat fixes the two things that break budgets.

01

Logging is a chore.

Walpat makes it nearly automatic — scan a receipt, paste a bank SMS, let Apple Pay payments log themselves, or just tell Siri.

02

Totals don't tell you if you're okay.

Walpat measures your pace. It compares what you've spent with where you should be at this point in your cycle, and tells you in plain words.

“You're GHS 80 under budget pace. Stay under GHS 86 a day.”
How it works

From setup to on-track in four steps.

  1. 1

    Set your cycle

    Pick your currency, how often your budget resets — weekly, monthly or fully custom, like the 25th to match payday — and give each category a limit. Takes about a minute.

  2. 2

    Log in seconds

    Add expenses and income by hand, by scanning, by sharing, by voice, or automatically from SMS and Apple Pay.

  3. 3

    Watch your pace

    Home shows what's left, how fast you're burning through it, and a daily amount that keeps you on track.

  4. 4

    Get nudged, not nagged

    Reminders at times you choose, with something useful to say — a bill that's usually due, a category near its limit, or what's safe to spend today.

Pace & Burn Rate

One look tells you if you're okay.

Home shows your balance, every category limit, and a Burn Rate chart of your actual spending against your budget line — with plain-language status and a daily number to stay under.

  • Budget status. Your balance and how much of your budget you've used.
  • Category limits. Every category with its limit and what's left, at a glance.
  • Burn Rate. “Stay under GHS 86 a day. That keeps you on pace for your GHS 2,500 budget.”
  • Upcoming expenses. Scheduled payments are counted, so you're warned before they push you over.
Left to spend
GHS 1,128.70
GHS 80 under budget pace
Burn RateDay 18 of 31

You're GHS 80 under budget pace

Stay under GHS 86 a dayThat keeps you on pace for your GHS 2,500 budget.
Rent · GHS 100 in 4 daysIncluded in your pace
Budget cycles

Your budget, on your schedule.

Walpat is built around budget cycles. At the end of each one, spending resets, your full budget is refreshed and the finished cycle is saved so you can compare over time.

  • Presets or fully custom. Every N days, every N weeks on a weekday, a chosen day of every N months, the last day of the month, or yearly.
  • Start on payday. Line your budget up with your income.
  • Automatic resets. No rebuilding your budget each month.
  • A “Cycle complete” recap when a cycle ends, so you can see how you did.
Custom cycleResets automatically
Every 1 month on the 25th
SMTWTFS
Start on payday
YOU DID IT!Cycle complete · GHS 212 under budget
Logging

Log it in a tap. Or don't log it at all.

Receipts, bank texts, Apple Pay, Siri, widgets — Walpat meets your spending where it happens.

Apple Intelligence

Smart Import

Point your camera at a receipt, pick a screenshot, or paste a bank text. Walpat pulls out the amount, date, merchant and category — even a whole statement at once — and spots ones you've already logged.

Free: 3 scans per cycle · Pro: unlimited

Smart Import showing four card payments it read from pasted text — Uber, Starbucks, Amazon and Netflix — each with a category
Pro

Instant Tracking

A private iOS Shortcuts automation you set up once. Bank texts and tap-to-pay purchases log themselves — a guide with a setup video walks you through it.

MyBankGHS 38.00 debited at BOLT RIDES ACC*4421
Apple PayShoprite · GHS 126.40
Bolt ride -GHS 38.00
Shoprite -GHS 126.40
Logged automatically

SMS reading needs Apple Intelligence · Apple Pay tracking needs iOS 27

Siri and Shortcuts

Just ask. Siri learns your own category names, so you can name one and skip the question.

“Log a food expense in Walpat”

Everywhere else on your iPhone

A Log Expense control in Control Center and on the Lock Screen. Press and hold the app icon for Add Expense, Add Income or Scan Receipt. Interactive widgets that log in one tap.

Scan Receipt appears on iPhones with Apple Intelligence

Smart by default

  • Remembers how you categorise things
  • Cleans messy bank descriptions into readable titles
  • Suggests titles as you type
  • Flags possible duplicates
Insights

Patterns you'd never spot on your own.

The Stats tab turns your cycle into clear, readable cards.

  • Budget pace — are you ahead of or behind where you should be?
  • vs last cycle — how you compare with the same point last cycle.
  • In vs out Pro — income against spending, cycle by cycle.
  • When you spend Pro — which days of the week cost you the most.
  • Looks recurring Pro — subscriptions and bills Walpat has noticed, with their usual day.
  • Cycle history Pro — step back through past cycles and compare.
  • Your summary AI — a short written summary that stays up to date as you log.
Stats screen for 7 Oct to 6 Nov with a written summary, recurring costs tip and cash flow
Ask Walpat Pro Apple Intelligence

Ask your budget anything.

Chat with an assistant that knows your budget — and only your budget.

“How much did I spend on food this month?”“Am I going to go over budget?”“What were my biggest expenses last week?”

Answers come from your own transactions and show the categories and transactions they're based on, plus the dates they looked at — so a wrong period is easy to spot. Suggested follow-ups help you dig deeper.

Runs on your iPhone with Apple Intelligence. Your financial data is not sent to a chatbot in the cloud.
Ask Walpat answering "What are my 5 biggest expenses?" with the amounts, category cards and transactions it used
Smart nudges

Reminders that actually say something.

Pick the times of day you want to hear from Walpat. Each reminder is chosen from your real numbers, so it's worth reading.

  • What's safe to spend for the rest of the cycle.
  • A category close to — or over — its limit.
  • Spending running ahead of the calendar, or of last cycle.
  • A bill you usually pay around this date that hasn't been logged.
  • Cycle reminders — ends in 2 days, last day, new cycle started.
  • A gentle evening reminder if you haven't logged anything today.

Every reminder has a Log expense button that opens straight to the right category. On supported iPhones, Apple Intelligence writes the wording on-device. Walpat never sends the same nudge twice in a row.

Lock Screen with three Walpat nudges: your daily allowance, Groceries running low, and a quick check-in reminder
Widgets

Your budget, right on your Home Screen.

Check your pace without opening the app — and log an expense with a single tap.

  • Budget Balance — total balance, current pace and how much is used. Also on the Lock Screen.
  • Quick Overview — your balance plus one-tap buttons for your top 3 categories.
  • Quick-Log Categories — your top spending categories as logging buttons.
  • Your Summary — the written summary from Stats, updated as you log.
Home Screen with the Your Summary widget and the Quick Overview widget showing GHS 1,128.70 left to spend
Any currency

Budget in your money.

Choose from all common world currencies when you set up. Walpat uses live exchange rates to convert amounts, and formats every figure in your own currency.

Live exchange rates
Make it yours

Light, dark, pink or orange.

Match your iPhone or pick a look, choose a Pink or Orange accent with a matching app icon, and name, colour and icon your own categories. Try it — this page follows along.

Privacy and your data

Your money is your business.

No accounts. No bank logins. No cloud chatbot reading your spending.

Where your data lives
  • Your iPhoneBudget, transactions and AI
  • Your iCloudPrivate sync between your devices
  • WalpatCan't see your budget or spending
Read the Privacy Policy

  • No account, no sign-up

    Open the app and start budgeting.

  • No bank login

    Walpat never asks for your banking password.

  • Your data stays in your iCloud

    Transactions and settings sync through your private iCloud, so they move with you to a new iPhone.

  • AI that runs on your iPhone

    Smart Import, the assistant, summaries and nudges use Apple Intelligence on-device.

  • Messages stay private

    Walpat can't read your texts. SMS tracking works through a Shortcuts automation you control.

  • Analytics are opt-in

    Anonymous usage data is only shared if you say yes. No ad tracking, ever.

Pricing

Free to start. Pro when you're ready.

Everything you need to budget is free. Walpat Pro adds automatic tracking, the AI assistant, full insights and unlimited scans.

Walpat
Freeforever

Budgets, pace, widgets, Siri, nudges and 3 Smart Import scans every cycle.

Walpat Pro
Monthlysubscription

Starts with a 1-week free trial for new subscribers. Cancel anytime in your Apple ID settings.

Best valueWalpat Pro
Lifetimeone-time purchase

Pay once, Pro forever. Every Pro feature, now and in future updates.

Download on iOSStart free. Upgrade to Pro anytime in the app.
Free vs Walpat Pro
FeatureFreePro
Budget cycles, categories and limitsIncludedIncluded
Home, Burn Rate and daily paceIncludedIncluded
Manual logging, Siri, widgets, Share to WalpatIncludedIncluded
Smart nudgesIncludedIncluded
Budget pace and vs last cycle insightsIncludedIncluded
Smart Import scans3 per cycleUnlimited
Automatic tracking with Apple Pay and SMSNot includedIncluded
Ask Walpat AI assistantNot includedIncluded
Full insights — In vs out, When you spend, Looks recurring, incomeNot includedIncluded
Past cycle historyNot includedIncluded

Prices vary by country and region — you'll see the price in your local currency in the App Store before you buy. Purchases are handled by Apple and can be restored on any device signed in to the same Apple ID.

FAQ

Questions, answered.

Can't find what you need? Email us.

Coming soonBank Sync

Connect your bank for automatic syncing.

Do I need to create an account?

No. Walpat works without sign-up. Your data is stored on your iPhone and synced through your own iCloud.

Does Walpat connect to my bank?

Not today. You log with receipts, texts, Apple Pay automation, Siri or by hand. Bank sync is on the way.

Can Walpat read my text messages?

No — iOS doesn't allow it. Instead, you set up a Shortcuts automation that sends bank alerts to Walpat when they arrive. You stay in control and can turn it off anytime.

How does Apple Pay tracking work?

A Shortcuts automation runs whenever you pay with Wallet and logs the payment in Walpat. The in-app guide walks you through setup in a few steps. (Pro)

What do I need for the AI features?

Smart Import, SMS tracking, the assistant, written summaries and AI-written nudges need iOS 27 on an iPhone that supports Apple Intelligence, with Apple Intelligence turned on. Apple Pay tracking needs iOS 27. Everything else — budgets, pace, widgets, Siri, nudges, insights — works on any iPhone running iOS 18.6 or later.

What's a budget cycle?

A fixed period — usually a month — where you track spending against your category limits. When it ends, spending resets and the cycle is saved to your history.

Can my budget reset on payday instead of the 1st?

Yes. Set a custom cycle on any day of the month, any weekday, the last day of the month, or every few days or weeks.

Which currencies are supported?

All common world currencies. Walpat uses up-to-date exchange rates for conversions.

What happens if I get a new iPhone?

Sign in to the same iCloud account and your budget, transactions and settings come back. Restore your Pro purchase from the paywall.

How many free scans do I get?

3 Smart Import scans per budget cycle. They reset when a new cycle starts. Pro is unlimited.

How do I cancel my trial or subscription?

In the App Store: Settings → your name → Subscriptions → Walpat. Cancel before the trial ends and you won't be charged.

Know what's left.
Every day.

Download Walpat free. Set your cycle in about a minute — no account, no bank login.

Download on iOS
Illustration of a person smiling at their phone as coins, charts and piggy banks swirl out of it