Money in every currency. One clear number.
Currencies, gold, and real assets — with AI clarity. Free for good.
Free to use · No bank connection · Zero-knowledge encryption
Live now — and the first people are already using it.
Your money data is end-to-end encrypted — even we can't read it. See how we protect itYour money data, actually private
Zero-knowledge encryption
Your financial data is encrypted before it leaves your device — even we can't read it.
No bank connection
Welfi never asks for your bank login. There's no linked account to breach or leak.
You're in control
Export everything or permanently delete your account, any time you want.
No ads, no data selling
You're the customer, not the product. We don't run ads and never sell your data.
Earn in pounds. Save in dollars. See one number.
Every account in its own currency. Set your own exchange rates or sync automatically. One tap to switch the whole dashboard to any currency you pick.
See how multi-currency worksYour gold counts. To the gram.
Track physical gold by gram, ounce, or kilogram. Add cars, property, and investments. One net-worth ring that sees everything.
Start tracking goldJust ask.
Ask about your finances in plain language and get a direct answer. Spending summaries, savings tips, and insights — no spreadsheet required.
Try the AI assistantDrop in a bank statement. Done.
Upload any bank's PDF, CSV, or Excel statement. Welfi reads it, matches categories, flags duplicates, and updates your balances — no bank connection, ever.
See how import worksAnd there's more.
Everything else you need to manage real money.
Envelope Budgeting
YNAB-style budgeting. See what's left in every category, in real time.
Reports
Spending by category and time, net worth, savings rate — all exportable.
Forecasting
Goal tracker and net-worth projection. See where you're headed.
Financial Score
Your personal financial health report — savings rate, debt, buffer, and how to improve each one.
Employment Benefits
Estimate your end-of-service payout, gratuity or pension under your country's labor rules, and forecast it over your career.
Retirement Planner
Plan your path to financial independence with long-term projections.
Savings Goals
Set milestones, track progress, and see exactly how many months to each one.
Liabilities
Loans, cards, and debts tracked against your net worth — the full picture, not just the good half.
Crypto
Track coin holdings alongside cash, gold, and property in one net worth.
Rewards & Referrals
Earn points as you go and redeem them for free Plus. Invite a friend — you each get 50 AI credits, and they get 30 days of Plus free.
3 Languages
English, Arabic, and French — with full right-to-left support throughout.
Smart Notifications
Budget alerts, goal milestones, and reminders — so nothing slips.
How Welfi compares
The budget apps everyone recommends were built for one country and one currency. Here's what Welfi does that they can't.
Statement intelligence
Drop in a bank-statement PDF — even in Arabic. Welfi detects your bank, sorts every transaction the way you would, and skips duplicates. No manual typing.
One number, every currency
USD, EUR, GBP, gold and crypto folded into a single net worth. Switch your base currency and watch it recalculate live — no mental FX math.
Gold & real assets
Track physical gold to the gram at live spot prices, alongside property and investments, all inside one net-worth ring.
Runway score
A financial score that shows how many months you could cover if the income stopped — clarity on how safe you are, not just what you spent.
| Feature | Welfi You're here | YNAB | Monarch | Copilot |
|---|---|---|---|---|
| Price | Free · Plus $2.99/mo | $$14.99/mo | $~$99.99/yr | $$95/yr |
| PDF statement import (auto-detect) | PDF + Arabic | CSV/QFX | CSV | —No |
| True multi-currency net worth | Yes | Limited | Limited | —No |
| Physical gold & metals tracking | Yes | —No | —No | —No |
| Emergency-fund runway score | Yes | —No | —No | —No |
| English · العربية · Français | 3 + RTL | —English | —English | —English |
| No bank connection needed | Yes | Optional | Plaid | Plaid |
| Built for life across currencies | Yes | —No | —No | —No |
| Platforms | Web · iPhone · Android | Web + mobile | Web/iOS/Android | Apple + web |
Based on publicly available information as of October 2026. Pricing and features may change. Trademarks belong to their respective owners.
Ready to see your money as one number?
Every currency, gold, and asset — consolidated the moment you sign up.
Start freeFree to use · No bank connection · No card needed
Free for good. Plus when you want more.
Every account, budget and goal is free. Plus adds live markets, forecasts and more AI — try it free for 14 days.
- Unlimited accounts, currencies, budgets and goals
- Bank alerts, CSV, Excel and PDF statement imports
- Safe to Spend, bills and Financial Score
- Reports with your full history
- Circles: join any, create 2
- 25 AI credits to start + 10 a month
- End-to-end encryption
- Live stock, crypto and market prices
- Retirement, what-ifs and forecasts
- A shared Home with budgets
- Unlimited circles
- Glass and Ledger themes
- 200 AI credits a month
Free needs no card · Plus has a 14-day free trial · Cancel any time
Questions, answered.
Do I have to connect my bank?
Is my financial data safe?
Is there an iPhone or Android app?
Does Welfi really handle multiple currencies?
Can I track physical gold and other assets?
What happens after the 14-day free trial?
How much does Welfi cost?
Still weighing it up? Get started free
Stop converting in your head.
Your money is already adding up on the other end. Welfi just shows you the total.
Free for good · No bank connection · Plus is optional