FullWalletVoice entry
Speak a sentence and it is filed. It waits for you to finish instead of cutting you off mid-word.
🎙 Say it, and it’s tracked
Know what you can spend. Without the spreadsheet.
FullWallet starts with your income, subtracts what you have already committed, and tells you what is genuinely left. Add an expense by saying it out loud.
No account · No bank connection · Data stays on your phone
How it works
Three seconds, then forget about it
Most budgeting fails at the gap between spending money and recording it. This closes it.
1
Say what you spent
One sentence out loud and the amount, currency, category and name are filled in. Faster than forgetting.
2
Set your fixed costs once
Rent, subscriptions, insurance. They count every month on their own, and never distort what you are still choosing.
3
See what is really left
One number, updated the moment you add anything — and a warning when a category is close to its limit.
Features
Everything a spreadsheet does badly
Fixed costs that behave
Entered once, counted every month. Never duplicated as expenses, never inflating your charts.
Budgets with warnings
A monthly limit per category, and a nudge before you cross it rather than after.
Savings that add up
By month, by year or across all time — with savings counted as money kept, not money spent.
Monthly AI read
The one pattern worth acting on, and a few concrete things to try. Aggregates only, never your transactions.
Nothing to sign up for
No account, no bank connection. Your transactions stay on your phone.
Premium
What Premium adds
Everything above is included. Premium is for the three things that take the work out of it entirely.
iPhone only
Pay with Apple Pay. It files itself.
Tap your phone at the till and the expense is already in FullWallet — amount, shop and category — before you have put it back in your pocket.
- Every in-store tap filed the moment it goes through
- The shop name picks the category; correct it once and it stays corrected
- Runs on an Apple Shortcuts automation — set up once, no bank connection
Say it, and it’s tracked
"Spent 45 euros on groceries." One sentence out loud and the amount, the currency, the category and the name are filled in for you.
- Income, expenses and savings, all by voice
- Waits until you stop talking instead of cutting you off mid-word
- Shows you what it understood before anything is saved
A month of spending, read back to you
Once a month the AI Money Coach goes through your numbers, names the one pattern worth acting on, and gives you a few concrete things to try.
- Income, fixed costs and spending read together, not one chart at a time
- Suggestions with your own figures in them, not general advice
- Only totals are sent for the analysis — never your individual transactions
Four ways in
Whichever is nearest at the moment you spend.
By voice
From the widget
Two taps
CSV import
Reading
On spending less without thinking about it
How to track expenses by voice (and actually keep it up)
Typing an expense takes long enough that you stop bothering. Saying it out loud takes three seconds. Here is why voice entry is the habit that survives.
5 min read
Fixed costs vs variable expenses: the difference that makes budgets work
Rent is not a decision you make every month. Treating it like one is why most budgets feel useless. Here is how to separate the two — and what changes when you do.
6 min read
The 50/30/20 rule, and the honest version of how it goes
A clear starting framework for splitting income between needs, wants and savings — plus what to do when your rent alone eats more than half.
5 min read
Questions
Does FullWallet connect to my bank?
No. There is no bank connection and no account to create. You add transactions yourself — by voice, from the widget, or in a couple of taps — and everything stays on your phone.
How does voice expense tracking work?
You say a sentence like "spent 45 euros on groceries". FullWallet reads the amount, the currency, the category and the name out of it, then shows you the result before saving so nothing is filed wrong.
What is the difference between a fixed cost and an expense?
A fixed cost is already decided — rent, insurance, a subscription. It recurs every month without being re-entered and is subtracted from what you have available, but it never appears in your spending charts, because it is not a decision you are still making.
Is FullWallet free?
Tracking, fixed costs, budgets, savings, the widget and CSV export and import are all included. Premium adds automatic Apple Pay tracking, voice entry and the monthly AI Money Coach.
Which currencies and languages are supported?
Seventy-three currencies, with a currency per transaction and automatic conversion, and nine languages: English, Spanish, Portuguese, French, German, Italian, Russian, Japanese and Chinese.
Stop guessing what you can spend
It takes one sentence to log the first one.
