Everything you spend, kept just for you.

Spending

See where the month went

Your own entries, taken apart so the number you can act on does not hide behind the rent.

• Top categories this month, with an Others bucket and a comparison to last month
• Six months of earned against spent, and a month you can step through
• Income, spending and what was left over, which is not the same as saved
• One currency at a time: nothing is converted, and entries in other currencies are listed as left out

Budgets

A cap for the month

Set a monthly limit for everything or for one category and watch it fill.

• A bar that says how much is left, or how much you are over
• The last six months' spend shown while you choose the amount
• Loan repayments never count against a budget
• The Me tab names the category that is furthest over

Budgets show their state on screen. They do not send alerts.

Loans

Who owes whom, with a running balance

Record money you lent or borrowed, add payments as they happen, and see what is left.

• Pick the person from your contacts or from earlier loans
• Record a payment against the loan; what is left is the amount less the payments
• Close and reopen a loan when it is paid off
• Share it with the other person: it becomes a balance between you two, so they can settle up

Repeating

Bills and income that come back

Rent, subscriptions, salary: set it once and it comes back on schedule.

• Weekly, fortnightly, twice a month, monthly, quarterly, half-yearly, yearly or every N months, with an optional end date
• Add automatically when the app opens, or just be shown what is due and add it with a tap
• Missed months are caught up without duplicates, and a figure you changed by hand is never overwritten
• A month-by-month view of each one: received, missed, expected or due

Due items are shown in the app. There is no push reminder for them.

Transactions

Every entry, easy to find

Newest first, grouped by day, with the filters you would reach for.

• All, Expenses, Income and Transfers (loan payments)
• Search by note, category or amount, and filter by category
• Payment method on each entry: cash, UPI, card, bank transfer, wallet or other
• Fifteen income sources from Salary to Refund, and a Reimbursable mark for work spend

Bank messages

A bank message becomes an entry

Paste a bank message and Waves reads the amount, the merchant and the date for you to check.

• Works on every phone: copy the message, paste it, tick what to add
• Read on your phone, with no network. The message text is not sent anywhere
• Ticked rows wait in Review as drafts; nothing is saved until you confirm
• On Android, where it is switched on, Waves can read the inbox itself after a clear explanation and your permission

Reading the inbox is Android only and is not on for everyone yet.

Bank statements

A whole statement in one go

Bring a statement as a PDF, spreadsheet, CSV, OFX or a screenshot, and tick the rows you want.

• Debits are ticked, credits are not, and a row that looks like a repeat starts unticked
• Rows whose balance does not add up are flagged
• Ticked rows go to Review as drafts, and nothing is saved until you confirm
• Account numbers are hidden before any AI reads a page, and a PDF password stays on your phone

Free: read on your phone and previewed twice a month. Pro: import up to 30 statements a month.

Voice

Say it instead of typing

Speak an expense, including several in one sentence, and check it before it is saved.

• Understands amounts, currencies and phrasing like “500 diya dinner ka”
• Say “just for me” and it goes to your personal ledger
• Speech recognition is English only
• Audio is not stored

Advanced AI voice commands: 10 a month on Free, 100 on Pro.

Receipts

Keep the receipt with the entry

Attach a photo to a personal entry from the camera or gallery, and open it full screen any time.

• Replace or remove the photo whenever you like
• Stored privately: only you can read it
• Deleting the entry deletes its photo

Photos on personal entries are a paid feature. Scanning a bill to read its items and total works when you split a bill in a group: 20 scans a month on Free, 300 on Pro.