All Features

Everything you need to take control

Powerful enough for complex finances. Simple enough you'll actually use it every day.

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AI-Powered

Three ways AI does the work for you

Voice Spend

Say "coffee $4" and it's logged. Walt AI extracts the amount, category, and date automatically.

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Snap Receipt

Point your camera at any receipt. SmartWalt reads and logs it instantly: amount, vendor, date.

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Walt AI Coach

Ask Walt anything about your money. He answers using your real spending data, not generic advice.

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Core Features

Built for how people actually manage money

Every feature is designed to reduce friction, not add it.

Unified Dashboard

See your entire financial picture in one place. Real-time net worth, recent transactions, upcoming bills, and quick-action shortcuts — all on a single screen. No more switching between apps.

  • Real-time net worth overview
  • Recent transaction feed
  • Quick-action shortcuts
SmartWalt unified financial dashboard showing net worth and transactions

Spend Limits

Set monthly spending limits by category: dining, groceries, entertainment, transport, and more. SmartWalt tracks your daily spending velocity and alerts you before you hit the ceiling, not after.

  • Custom limits per category
  • Real-time velocity tracking
  • Proactive budget alerts
SmartWalt spend limits showing category budgets and remaining balance

Spend Guide

Your AI-powered spending companion. Spend Guide analyzes your habits and gives you clear, actionable guidance on where to cut back and how to reach your financial targets faster.

  • AI spending pattern analysis
  • Personalized cut-back recommendations
  • Target-based guidance
SmartWalt Spend Guide showing AI-powered spending analysis and recommendations

Goal Builder

Set any financial goal: emergency fund, vacation, debt payoff, or a big purchase. SmartWalt calculates your daily saving target and tracks your progress automatically, adjusting as your spending changes.

  • Set any savings goal
  • Auto-calculated daily targets
  • Progress tracking with milestones
SmartWalt Goal Builder showing savings progress toward financial goals

AI Insights

Go beyond raw numbers. SmartWalt surfaces spending patterns you would never spot yourself: weekly summaries, anomaly detection when something looks unusual, and plain-English explanations of your financial health.

  • Weekly AI-generated summaries
  • Anomaly detection
  • Plain-English financial explanations
SmartWalt AI Insights showing weekly spending summary and anomaly detection

Bill Guard

Never miss a payment or get surprised by a subscription charge again. Bill Guard tracks your recurring bills, sends reminders before due dates, and flags subscriptions you may have forgotten about.

  • Recurring bill tracking
  • Due date reminders
  • Subscription detection
SmartWalt Bill Guard showing upcoming bills and subscription reminders

Smart Accounts

Organize your money across multiple accounts (cash, bank, credit, savings) without linking any of them. SmartWalt gives you a unified view of your finances while keeping your bank credentials completely private.

  • Multiple account support
  • No bank linking required
  • Unified balance view
SmartWalt Smart Accounts showing multiple accounts without bank linking

Free vs Pro

Start free. Upgrade when you're ready for AI superpowers.

FeatureFreePro · $4.99/mo
Smart Accounts✓✓
Manual Expense Entry✓✓
Spend Limits (Budgets)✓✓
Bill Guard & Reminders✓✓
Basic Notifications✓✓
Voice Spend—✓
Snap Receipt (OCR)—✓
Walt AI Coach—✓
Spend Guide—✓
AI Insights & Anomaly Detection—✓
Goal Builder—✓
Money Reports—✓
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