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Now livePersonal finance · with AI features

Your whole
financial life,
on one quiet page.

Assets, debts, insurance, deposits, goals and day-to-day spending — in any currency, on any device. Log it by tap or by voice. A quiet AI categorises, spots anomalies and suggests one move at a time. No bank linking. No chatbot. No noise.

Start free — no card How it works ↓
0+
Currencies, one view
1
Welcy Score for your overview
0
Bank accounts to link
Welcy Score · illustrative example
+6 this monthout of 100 · overview up to date
Illustrative financial-position score: 84 out of 100

Example numbers and history. The score reflects your recorded overview, not your wealth or financial safety.

Net worth
$0
$112,380 assets · $24,960 liabilities
This year
+11.2%
+2.4% past week · +5.1% past month
Spotted a forgotten subscription · saved$14/moRenewal flagged early ·4 daysWelcy Score moved78 → 84Dining above your average by18%Emergency fund covers2.1 monthsNet worth crossed$100kNew high — your portfolio is up+11.2% YTDThree on-time payments in a row · debt down$1,250Spotted a forgotten subscription · saved$14/moRenewal flagged early ·4 daysWelcy Score moved78 → 84Dining above your average by18%Emergency fund covers2.1 monthsNet worth crossed$100kNew high — your portfolio is up+11.2% YTDThree on-time payments in a row · debt down$1,250
Everything you own, in one viewSee all features

Portfolio

Know what you actually own. Stocks, crypto, real estate and cash — live prices, real P&L, every currency.

Insurance

Never miss a renewal. Every policy in one place; a nudge before the premium falls due.

Term deposits

See every maturity coming. Principal, payout and days remaining across any bank or country.

Loans & debt

Watch debt shrink. Repayment progress, balances and upcoming dues on every device.

Quiet alerts

Renewals, maturities, missed payments and price targets — your phone buzzes before things slip.

Goals

Big numbers broken down. Live progress toward what you’re actually saving for.

The Welcy ScoreOne score for your financial foundation
0out of 100
Illustrative financial position · 84 / 100

Score components

Welcy Score brings your financial position into one view: what you own after debt, how long your reserves last, what remains from your income, the burden of debt payments and your protection against major shocks. See the numbers behind your score and where you can strengthen your foundation.

Net position
Assets after debts
80
Emergency reserves
Cash to cover your costs
80
Income surplus
Room to save and grow
80
Debt affordability
Manageable payments
100
Protection
Resilience to major shocks
90
A quiet coach in the backgroundAI that shows up only when it has something useful to say — never a chatbot

Welcy reads your numbers and surfaces one small move at a time. It helps categorise expenses, capture records by voice, suggest budgets and identify subscriptions you may have forgotten. Your score stays transparent, with a breakdown of the information behind it.

Log it by voice
Tap the mic and say it. “bought 10 shares of Apple at 180”, “add Netflix 15 a month”. Welcy parses the amount, currency, date and category, then asks you to confirm.

No chat window. No prompts to write — the AI is a quiet assistant, never a dependency.

Dining is 18% above your 3-month average
Want to set $420 as next month’s cap?
Your emergency fund covers 2.1 months
Most people in your bracket aim for 6
Your Welcy Score moved from 78 → 84 this month
More emergency savings and a smaller debt burden

Sample insights — your own will reflect your data

Built for any currency, any countryMulti-currency · quiet alerts · live prices

Multi-currency, not just multi-account

Hold assets in EUR, debts in USD, a term deposit in GBP, a policy in CAD. Welcy unifies it all with live forex — and labels “approx” honestly when a rate is unavailable.

USDEURGBPJPYCNYCADAUDCHFSGDHKDAEDINR+38 more

Alerts that catch what you miss

Welcy watches for policy renewals, term-deposit maturities, loan payments and stock-price targets — and pings your phone before things slip.

Life policy renews in 3 days
$480 premium
Term deposit matures in 12 days
$3,200 payout
Car loan payment in 5 days
$650 monthly
Share with the people you share money withHouseholds and friend groups · per-item splits

One household, one wealth picture.

Pool assets, split ownership per item, share visibility — without spreadsheets. Up to 10 members, all with full Pro features.

See Family Pro
Shared Net Worth · Household
$284,300
E
M
S
L
4 members · all on Pro
Split expenses with friends, too
Trips, dinners, rent — running balances, clean settle-up. Free for up to 3 groups.
Explore Friends
Free forever. Pro when you’re ready.Full pricing details

Free

$0 / forever

Everything you need to begin

  • Up to 4 assets · any currency
  • Up to 2 insurance policies
  • Up to 2 fixed deposits
  • Up to 3 liabilities
  • Up to 1 goal
  • Up to 3 friend expense groups
  • Dashboard & net worth overview
  • Stock price alerts
  • CSV export
  • Family sharing
Start free
POPULAR

Pro

$5 / month

7-day free trial · cancel anytime

  • Voice AI — log anything by speaking
  • Unlimited assets, policies, FDs, liabilities & goals
  • Unlimited friend expense groups
  • Future Self & When-is-Enough projections
  • Regret-free spending budget
  • You vs Past-You progress tracking
  • Milestones & improvement leaderboard
  • Full AI insights & smart narrations
  • Stock price alerts (set targets)
  • Search, filter & sort everything
  • CSV export per category
Start free trial
BEST VALUE

Family Pro

$18 / month

4 members included · +$4/mo per extra · up to 10

  • Everything in Pro for every member
  • 4 members included (+ up to 6 more)
  • Share assets, FDs, policies & liabilities
  • View or edit permissions per item
  • Split percentages per member per item
  • Save $24/year vs 4 individual Pro plans
Start family trial

Prices shown in USD — Welcy itself works in any currency you hold. Secure payment via Paddle · no contracts · cancel anytime.

Common questionsPrivacy · security · how the AI works

Yes. Your data is encrypted in transit (TLS) and at rest, stored on a managed, access-controlled database. We never sell, share, or use your data for advertising. You can export everything as CSV any time, and delete your account with one click.

No — and you can’t. Welcy is a manual tracker by design. You enter what you own; we keep it organised. No banking credentials, no Plaid, no third-party account access. Your money stays with your bank.

Welcy uses AI quietly in the background — it categorises expenses, helps capture records by voice, suggests budgets that match your actual habits and flags subscriptions you may have forgotten. Your score explains your net position, emergency reserves, income surplus, debt affordability and protection. There is no chat window.

Each asset, liability, FD or policy can be in any of 50+ currencies. Welcy fetches live forex rates and shows your unified net worth in your preferred display currency. If a rate is unavailable, we show the original value with an "approx" badge instead of guessing.

Yes — Family Pro lets you invite up to 10 members. Share specific items with chosen members at custom split percentages. Private items stay private. See /family-pro for details.

No. Welcy is a tracker, not a tax tool or financial advisor. We surface insights and gaps, but every decision stays with you. We recommend a qualified advisor for tax filings and investment advice.

Yes, instantly. Cancel from Settings → Subscription. You keep Pro features until the end of your billing period, then automatically drop back to Free with no data loss.

Add your first asset.
See the whole picture in a minute.

We’ll do the math, watch the dates, and tell you the one thing worth doing next. Free forever — no bank linking, no card required.

Start free — no card See pricing

Works in any browser on iPhone, Android and desktop · install to your home screen for one-tap access

Next FeaturesSix pillars · 50+ currencies