Show HN: Waisly – a budgeting app that never asks for your bank login

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Waisly - AI-Powered Personal Finance App<br>Be Wais with your money<br>Paste a receipt, snap a photo, or type it in — AI captures every transaction, line item, and recurring bill. You stay in control.<br>Join Waitlist<br>Download on theApp Store<br>GET IT ONGoogle Play

Everything you need to manage your finances<br>Powerful features designed to give you complete control over your money

AI-Assisted Capture<br>Paste an SMS or email, snap a receipt, or type a quick note — AI extracts the transaction in seconds.

Smart Budgets<br>Set monthly and category budgets with intelligent alerts when you're approaching limits.

Savings Goals<br>Set financial goals and track progress with AI-powered ETA predictions.

Beautiful Analytics<br>Understand your spending patterns with intuitive charts and personalized insights.

Subscription Tracker<br>AI recognizes Netflix, your gym, your phone bill — track them as subscriptions with one tap.

Multi-Currency<br>Support for 50+ currencies with automatic conversion between any pair. See every amount in your preferred currency instantly.

Built for the way you actually spend<br>Whether you cross borders, run a business, or share a household, Waisly fits.

For travelers<br>Track expenses across currencies without manual conversion. Photo a receipt in any language; tip-aware extraction keeps every line item accurate.

For freelancers<br>Item-level analytics for tax-deductible expenses. Export reports in any period — CSV or PDF, ready for your accountant.

For couples & households<br>Shared visibility coming soon. Today: separate accounts with the same multi-currency support, so each person's view stays accurate.

AIAI from anywhere<br>Tell Waisly what you spent, however you have it. Paste it, photo it, or let it recognize the recurring stuff. Waisly figures out the rest.

Paste any text<br>Paste an SMS, email body, or push notification. AI extracts the merchant, amount, currency, and category.<br>Pasted message<br>Your card ending 4242 was charged $42.30 at WHOLE FOODS MARKET on Apr 21

AI extracts<br>Whole Foods Market<br>$42.30

GroceriesApr 21

Snap any receipt<br>Photo your receipt. AI captures every line item, tax, tip, and total — ready to save in one tap.<br>Receipt photo

Blue Bottle Coffee<br>$18.45

Items<br>Cappuccino$5.50<br>Almond croissant$4.75<br>Drip coffee × 2$6.00<br>Subtotal$16.25<br>Tax$1.45<br>Tip$0.75

Recurring bill detection<br>AI recognizes Starlink, Netflix, your gym membership — from a pasted SMS, a snapped receipt, or a recent transaction. Track them as subscriptions with one tap.

Looks like a subscription?<br>We've seen Netflix charges from this account before — track it as a recurring subscription?

Netflix$15.99 / month<br>Track as subscription<br>Not now

What early users are saying<br>Voices from our beta testers and waitlist community.<br>Preview — illustrative quotes. Real testimonials coming after launch.

“I finally know what I'm spending on. The receipt scan caught items I'd have ignored.”

Maya R.<br>Freelance designer

“Multi-currency is the killer feature for me — no more spreadsheet math after trips.”

David K.<br>Frequent traveler

“Pasting bank notifications is genuinely magical. Saved me hours every month.”

Priya S.<br>Product manager

ProKnow what you actually buy<br>Most apps tell you that you spent $350 on groceries. Waisly shows you the milk, the coffee, the snacks — every item across every receipt.

9:41

This month<br>Top Items

By spendBy frequency<br>Search across receipts…

Coffee<br>12 purchases

$47.40<br>Milk<br>8 purchases

$31.20<br>Avocado<br>6 purchases

$18.00<br>Bread<br>5 purchases

$22.50

Search across every receipt<br>Find every time you bought oat milk this year — across all stores, in seconds.

See top items inside categories<br>Tap into any category to see the items behind the total — not just a number, the actual stuff.

Smart variant grouping<br>Large Coffee, Iced Mocha, Small Coffee — Waisly groups them under one ‘Coffee’ line. See your real habits, not store SKU noise.

NewYour money, on a calendar<br>Every transaction, subscription renewal, and recurring paycheck on one timeline. Tap any day to see exactly what hit (or hits) your accounts.

Waisly visualises every money event on a month grid — and surfaces the current week right on your dashboard, so you always know what's coming next.

Day & week views<br>Drill into a single day or scan the whole week at a glance — your dashboard already has a compact week strip ready to tap.

Color-coded by type<br>Transactions, subscription renewals, and recurring income each get their own dot. Up to three per day; a +N marker covers the rest.

Money-by-day breakdown<br>Tap a date to expand a list of every event grouped by type, then jump straight to the underlying transaction or subscription.

One app, every currency<br>Spend in dollars, earn in euros, save in yen — see everything in your preferred currency

Coffee Shop<br>Today

$4.50<br>₱252.00

Train Ticket<br>Yesterday

¥1,200<br>₱449.83

Hotel Booking<br>Last week

€89.00<br>₱5,437.32

$USD€EUR£GBP¥JPY₱PHP₹INRR$BRL₩KRW<br>50+ currencies supported

Free or Pro — your choice<br>Everything you need to start is...

receipt waisly coffee subscription currency recurring

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