Paychecks + transfers detected
Income and between-account transfers separated from spend, so your rhythm isn't inflated by money moving inside your own accounts.
Wallet Melon
Connect a bank →Money has a rhythm. We'll find yours before we ask you to budget a dime.
Connect a bank. We'll listen for the rhythm. You'll see what we hear.
Connect a bank →Income and between-account transfers separated from spend, so your rhythm isn't inflated by money moving inside your own accounts.
The things that don't move much month to month — rent, utilities, insurance — surfaced from your transactions, not asked of you.
What's left after the fixed costs come out — your actual discretionary baseline. We hold larger purchases aside so they don't distort the picture.
We show what we know honestly. When the engine sees the rhythm but not the source type, we say “still learning the types.” We never invent a number we can't back.