Money in every currency. One clear number.
Currencies, gold, and real assets — with AI clarity. 14-day free trial.
14 days free · 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 AED. Save in USD. 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.
End of Service
Estimate your gratuity under Gulf 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 premium. Invite friends — you both get a discount.
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
AED, USD, 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 | $AED 19–39/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 | — | Plaid | Plaid |
| Built for non-US / Gulf | Yes | —No | —No | —No |
| Platforms | Web · iPhone | Web + mobile | Web/iOS/Android | Apple-only |
Based on publicly available information as of July 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 free trial14 days free · No bank connection · Cancel any time
Simple, transparent pricing.
14-day free trial on every plan. No charge until it ends.
- Unlimited accounts & categories
- Bank statement import (PDF, CSV, Excel)
- Envelope-style budgeting
- Multi-currency + auto FX rates
- Per-transaction rate override
- Asset tracking & forecasting
- Goals & savings tracking
- Spending reports & analytics
- AI Wealth Advisor
- Net Worth Forecast (portfolio)
- PDF export of forecasts
- Liabilities in net-worth model
No charge for 14 days · Cancel any time · No bank connection required
Questions, answered.
Do I have to connect my bank?
Is my financial data safe?
Is there an iPhone 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? Start your 14-day free trial
Stop converting in your head.
Your money is already adding up on the other end. Welfi just shows you the total.
14-day free trial · No bank connection · Cancel any time