Take Control of Your Money
Money by Waoo is a free personal finance app from Waoo Network. Link your bank accounts through Plaid, watch transactions categorize themselves, and give every dollar a job with a zero-based budget.
Money by Waoo is free to use. There is no subscription, and no card is required to create an account.
Everything You Need to Manage Your Finances
Powerful tools that work together to give you a complete picture of your financial life.
Dashboard
Get a complete overview of your finances with net worth tracking, spending insights, and payroll forecasts.
Transactions
Search, filter, and categorize every transaction with advanced filtering by date, category, amount, and labels.
Zero-Based Budgets
Allocate every dollar you earn toward your financial priorities with a zero-based budgeting system.
Goals
Set savings targets with amounts and deadlines, track contributions, and watch your progress grow over time.
Bank Accounts
Connect your bank accounts securely via Plaid or add manual accounts with automatic balance syncing.
Smart Rules
Automatically categorize transactions with pattern-matching rules based on merchant names.
Investments and Stocks
See the holdings in your brokerage and retirement accounts, how they are allocated, and project where your contributions take them.
Debt Crusher
Compare the snowball and avalanche payoff plans across your cards and loans, and see the month each debt is gone.
Vehicles
Log fill-ups and service, track fuel economy and running costs, and get reminded when maintenance is due.
Statements
Keep every account statement in one place, with the period and closing balance read from the PDF on your own device.
Paycheck Analysis
Upload pay stubs to break down taxes and deductions, chart earnings by year, and model a raise or a new job.
Why Choose Money by Waoo
Built with your needs in mind.
Privacy First
Your financial data stays secure and private. We never sell your information.
Works Everywhere
Fully responsive design that works seamlessly on desktop, tablet, and mobile.
Smart Automation
Save time with automatic transaction categorization, bank syncing, and budget tracking.
Questions People Ask
What it costs, how it reaches your bank, and what happens to your data.
- Is Money by Waoo free?
- Yes. Money by Waoo is free to use, and creating an account never asks for a payment method.
- How does Money by Waoo connect to my bank?
- Bank connections run through Plaid. You sign in to your bank inside Plaid’s own flow, so your banking credentials are never typed into or stored by Money by Waoo — it receives account balances and transactions, and nothing else.
- What is zero-based budgeting?
- Zero-based budgeting gives every dollar of income a job — bills, savings, spending — until nothing is left unassigned. The budget page builds that allocation month by month and shows what is still waiting to be assigned.
- Do I have to link a bank to use it?
- No. You can add accounts by hand and keep their balances up to date yourself. Linking a bank through Plaid is what makes balances and transactions arrive on their own.
- Does Money by Waoo sell my financial data?
- No. The privacy policy commits to never selling your information.
- Who makes Money by Waoo?
- Money by Waoo is built by Waoo Network, which also runs the other Waoo apps. One account signs you in to all of them.
The full detail is in the privacy policy.
Ready to Take Control of Your Finances?
Join Money by Waoo and start building better financial habits today.