Wallet by BudgetBakers
Expense tracker and budget app with a free manual tier, worldwide bank sync and multi-currency support.
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About Wallet by BudgetBakers
Wallet is a personal and family finance app from BudgetBakers, a company based in the Czech Republic, and one of the more widely used trackers outside the US, with more than 14 million downloads and support for 50 languages. You track expenses and income, set flexible budgets, schedule planned payments with reminders, and see cash-flow reports. Investments, stocks and crypto balances can be tracked alongside daily spending for a net worth view, and the app handles multiple currencies with automatic exchange rates, which suits travelers and people living abroad. There's a free tier for people who track manually, and historical data can be imported from CSV, XLS or OFX files. Premium adds bank sync with more than 15,000 banks worldwide over open-banking connections, plus group sharing so a household can track shared accounts and goals while keeping others private. Premium is sold as a subscription or as a one-time lifetime plan, and a purchase on iOS, Android or the web works on all three. For developers, Wallet offers a REST API and an MCP integration that lets AI assistants query your data. It suits people outside the US, multi-currency households and anyone who wants a flexible tracker rather than a strict method. The trade-off is that the free tier is manual only, the many features can feel busy, and its budgets are looser than an envelope or zero-based system.
Best for: People outside the US or with several currencies who want a flexible tracker with bank sync.
Pros and cons
What works
- Free tier for manual tracking
- Bank sync with 15,000+ banks worldwide on Premium
- Multi-currency with automatic exchange rates
- Lifetime Premium option; one purchase covers all platforms
Why people leave
- Bank sync and group sharing require Premium
- Lots of features, which can feel busy
- Budgets are looser than envelope or zero-based methods
Top Wallet by BudgetBakers alternatives
See all 7- 1
Hunter Vault77.2Free, offline, multi-currency budgeting on your phone, with no bank login and a game layer.
- 2
YNAB72.5A stricter zero-based method with strong teaching material, for people who want to plan ahead, not just track.
- 3
Lunch Money71.8Web-first tracking with native multicurrency, a rules engine and an API, priced pay-what-you-want.
- 4
Monarch Money70.3A more polished all-accounts view with partner sharing, if your banks are in the US or Canada.
- 5
Actual Budget66.6Free, open-source and local-first, so your financial data stays on your own device or server.
Why people left Wallet by BudgetBakers
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Wallet by BudgetBakers: common questions
Is Wallet by BudgetBakers free?
Wallet by BudgetBakers has a free plan and paid plans. Free tier: Free for manual tracking (checked on Wallet by BudgetBakers's own site).
Is Wallet by BudgetBakers open source?
No, Wallet by BudgetBakers is not open source. Open-source alternatives include Actual Budget.
What platforms does Wallet by BudgetBakers run on?
Wallet by BudgetBakers is available for iOS, Android and Web.
What are the best alternatives to Wallet by BudgetBakers?
The highest-ranked Wallet by BudgetBakers alternatives right now are Hunter Vault, YNAB and Lunch Money. See the full ranked list for pricing, platforms and verified facts.