Wallet: Budget Expense Tracker reviews
What users love and hate · 500 reviews analyzed · ★ 4.2
A mature cross-platform expense tracker that wins on manual entry and clear visual analytics, yet sells its premium around bank sync — the most fragile part of the product, especially outside the US and Europe.
What users love
Manual entry isn't the fallback — it's the happiest path
Paradox: the people who never connect a bank and type expenses by hand are the most satisfied segment. They get the visuals (pie charts, category breakdowns), spending awareness, and zero dependence on fragile sync. The product effectively rests on manual trackers while monetizing automation. The signal for a competitor: the core value lives in fast simple entry and visualization, not in integrations.
there's a learning curve to it when you don't sync your accounts through online banking or whatever, but it's definitely usable by just manually tracking everything and the best app for budgeting i have found!
I prefer to manually enter my transactions and it's so easy to do! Highly recommend!
I am using this app to try and help with my budgeting and doing it manually rather than connecting to my banks.
Spending visuals turn logging into awareness
The core behavioral effect isn't 'I logged it' but 'I saw it'. Pie charts and category breakdowns give people their first-ever overview of where money goes and catch accidental overspending. The exact words — 'aware', 'whole picture', 'reality check' — recur among the most loyal. The product sells not bookkeeping but the feeling of being in control of money.
SO helpful to get an overview of all your spending and track whether you're accidentally overspending in a certain category. makes saving fun!
excellent app for managing your scattered savings ..and you get reality check on what you earn, save , burn
I like how it distribute the expenses into categories and protray into a pie chart. It's a great way to view own expenses & income.
The lifetime license is the main trust anchor in a category of forever-subscriptions
The 'pay once instead of an endless subscription' option is its own reason to love the product: people explicitly say they chose it because they weren't forced into a forever subscription, and switched from competitors like YNAB for it. That's a strong trust signal in a category where everyone milks you monthly.
I really like the option that I could chip in with a lifetime package, and I wasn't forced to infinite subscriptions. Recommended!
After using it for free for so many years, now I can proudly say I bought the lifetime subscription of this wonderful app.
using it for last two year. worth every dollar i spent on memberships
The web + app combo with cross-device sync holds the most devoted users
When the cloud works, it works for retention: people value that the same data lives in the browser and on the phone and syncs fast across devices. For multi-year users that's the reason not to leave — the app becomes part of a daily routine, not a one-off utility.
Wallet is a simple and useful budgeting app with login support for data syncing. The homepage is clean and easy to use.
Best Finance tracker so far. Easy User interface. you can use both app and web support
Probably the best mobile budge and expense tracker app. Fully featured and has really quick sync across devices which is important for me.
What users hate
Premium sells bank sync, which is the least reliable part of the product
People pay (often lifetime, up front) for one feature — automatic bank sync — and it drops every few days, demands constant re-authorization, and stays broken for months. Activation and value diverge: the user has already paid, but the exact feature he paid for doesn't work, which produces the angriest reviews.
Bank sync stopped working for my bank and now the key feature I bought the lifetime subscription for isn't working. Only solution they say is to wait, it's been 6 months.
have to pay to sync with bank. this should be free. it's not really useful otherwise I'm not manually inputting every expense
not only it disconnects every 2 3 days, reconnecting it again to the bank is such a hassle, sometimes it's takes hours just to process
Bank coverage ends where half the user base lives
Sync is built for the US and Europe, while the reviews come from India, Mexico, Indonesia, Vietnam, Kazakhstan, Qatar, Botswana. A user buys premium specifically for his bank — then learns after paying that his country or bank isn't on the list. This isn't a bug but a structural segmentation failure: the product sells a feature globally that it supports only regionally.
The premium upgrade is essentially useless if your bank isn’t supported. I purchased it specifically for the bank sync feature, but it doesn’t work with India Banks.
paid premium but then realize that the app doesnt include banks in vietnam
When will support for Kazakh banks be available?
You can't create top-level categories, only ones under a subcategory
Everyone's spending structure is different, but the app only lets you add sub-sub-categories inside its bloated default list — never a root category. For an app whose whole job is to mirror YOUR money, being unable to make your own category breaks the basic premise; it surfaces from both fans and people who therefore can't use the app at all.
you basically can't manage expense categories. Everyone has different spending structure and yet the app defaults to its own convoluted, bloated list.
Can you please let me make my own categories and subcategories? i can only create new ones UNDER a subcategory, not a new category.
we don't even have the ability to add NEW ones.
Forced login wipes local data and destroys trust
An update that forces account login wiped some people's prior records, and spontaneous sign-outs 'lose' all data. For a finance tracker the data IS the product; making it vanish because of a login requirement turns multi-year users into ex-users in a single update. The 'tie everything to the cloud' decision works against retention here.
Had to uninstall due to the new update. Forces to sign in and because of that my previous records are gone.
today it suddenly logged me out?? i tried signing back in with every email on my phone, but none of them showed my data. like it’s all gone.
Why the app asks for login? disable this feature to login with eamail
A chunk of the audience refuses to hand over banking passwords — and wants offline
A whole segment deliberately refuses automation because sync demands their net-banking username, password, and OTP. These people just want offline tracking with no email and no account access — and run into a product that pulls ever harder toward cloud and integrations. Strategically it's a fork: the privacy segment and the sync segment want opposite things, and the product optimizes for the latter.
Why should I give my net banking user name, password and OTP for fetching or importing the transactions?
everything wants yore email and personal info. I just want a f-ing offline app
don't want to give access to my online banking passwords and otps
Frozen exchange rates break the books for multi-currency users
The app does multi-currency, but rates are fixed and don't update, and changing a rate rewrites the entire history instead of keeping the rate as of each transaction's date. For people with foreign accounts and several currencies this turns the 'financial overview' into wrong numbers — breaking exactly the use case they picked a flexible app for.
It's just a shame that the currency exchange is not working and cannot be updated, it just exchanges from one to another according to an outdated rate.
if i change the rate of a currency all the history will be updated while it should reserve rate history
the currency tab is broken (nothing is showing just white) and honestly it's annoying they do fixed rates
A rigid monthly cycle doesn't match people's pay rhythms
Budgets and periods are tied to the calendar month or 'last 30 days', but people live on their own cycles: paid every 4 weeks, twice-monthly, a personal period from the 7th to the 7th. Not being able to shift the period start forces manual budget re-entry every time and breaks planning — for a budgeting app that hits the core.
I get paid every 4 weeks (equaling to 13 payments a year), so the date of my pay changes each month. I cannot get this app to reset my goals at each payday, it just resets monthly.
I wish the app allowed me to set the date when I want my monthly period to start rather than automatically setting to the last 30 days
I haven't as of yet found how to customise my month. I want it from 7th to the next 7th
Logging a single expense is a 'circus' of extra swipes and taps
The most frequent action — quickly jotting an amount and a name — is made clumsy: adding a description requires swiping into a side panel, and labels appear by default so you remove them every single time. For an app that lives on daily manual entry, friction in this micro-flow directly erodes the very habit it's installed for.
Just to put in my spent/expense numbers I have to go through a circus! And to name my expense I have to swipe on!
Right after entering Amount it should ask directly for description. For example I enter the amount as 5 and if the description pops up, I'll write Milk.
I would like to have labels NOT appear by default when entering expense details. It is annoying to remove unwanted labels every single time.
Sync that duplicates and loses records poisons shared use
When two people (a couple, a family) or several devices share the app, sync spawns duplicates, drops records, and jumps between accounts. The demand for a 'shared budget with your partner' is right there in the reviews, but the current sync engine makes exactly that scenario unbearable — the product misses a natural growth path through households.
Using by two people is next to impossible (the synch messes up and duplicates records).
Unable to sync accounts, sync always fails. Inability to remove duplicate records
Me gustaría que hubiera una función para llevar una cuenta en conjunto, como para compartir ingresos y gastos con tu pareja
Income analysis is the blind spot of an app that nails expenses
The app's whole strength is breaking down spending by category with charts, but it shows income flat: no equivalent breakdown of how much comes from where. Users explicitly ask for mirror-image income analytics. For a product that builds its identity on the 'full financial picture', it's an asymmetry that leaves half the picture in the dark.
it would be great if you can include tracking for income also just like it is for expenses
But income analysis is not enough. I think it should be clear, like spending analysis with donat chat you know how much you spend in each category. While I don't know easily how much i earn in each category.
you get reality check on what you earn, save , burn