Welfi

Welfi is the budgeting app for people whose money lives in more than one place — and more than one currency. Plan every month, see what you can safely spend, and watch your net worth grow, all in one calm, private app. PLAN EVERY MONTH • A simple monthly plan by category that gives every amount a job • Welfi suggests each month's bills next to your 3-month average • Overspent? Cover it from Ready to Assign or move money from another category • Safe to Spend shows what's left until your next pay day TRACK WITHOUT THE TYPING • Capture bank SMS and email alerts automatically with Apple Shortcuts • Import statements from CSV or Excel — or PDFs, screenshots and receipts with AI (Plus) • Smart categories that learn from your merchants • Approve captured payments in one tap • Recurring bills and subscriptions, with reminders before they're due EVERY CURRENCY, ONE NUMBER • Hold accounts in any currency and see everything in your home currency • Cross-currency transfers record the amount received, the rate and the bank fee • Track FX fees so you know what conversions really cost YOUR WHOLE NET WORTH • Accounts, cash, gold, property, vehicles, investments and crypto • Debts and loans with repayment schedules • End-of-service gratuity or pension, by country • Financial Score and net worth trends over time YOUR MONTH, AS A STORY • Every month becomes a story: money in and out, records, top categories, no-spend streaks and your money type • Monthly insights that show what to cut and where you're improving AN AI ADVISOR THAT KNOWS YOUR NUMBERS • Ask anything about your own spending, budgets and goals • Free credits every month. Your data is shared with the AI only when you ask, and only with your consent SHARE WITH THE PEOPLE YOU LIVE AND TRAVEL WITH • Circles for households, trips and shared costs • Split by person and by currency PRIVATE BY DESIGN • Your financial data is end-to-end encrypted — it's encrypted on your device, and we can't read it • Face ID lock, and shake to hide amounts • Delete your account and data anytime, right in the app Available in English, Arabic and French, on iPhone, iPad and the web. FREE AND PLUS Welfi is free to use — accounts, budgets, transactions, capture, CSV and Excel imports, Safe to Spend, bills, reports and goals, with no limits. Plus adds more AI, AI document imports, live investment and crypto prices, forecasts and the retirement planner, more Circles and shared household budgets, extra themes, and your full monthly story. SUBSCRIPTION • Payment is charged to your Apple ID at confirmation of purchase. • Your subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period. • Your account is charged for renewal within 24 hours before the end of the current period. • Manage or cancel anytime in your App Store account settings. Welfi provides general information only and is not a licensed financial, investment, tax or legal adviser. Terms of Use: https://welfi-app.com/terms Privacy Policy: https://welfi-app.com/privacy