AI-Powered Finance

Where's my money?

Snap a receipt — or your phone bill. See where every dollar goes, and find a cheaper mobile or internet plan you can switch to in a tap. AI-powered, privacy-first.

4.8 rating
Where's my money? app screenshot
The science

Why tracking actually changes your spending

It's not willpower — it's visibility. Four behavioural effects that kick in the moment you start tracking.

10–20 % less
in discretionary spending, first month

The awareness effect

Studies on personal budgeting show that the mere act of writing a purchase down cuts discretionary spending — with no new rules, no diets, no resolutions. The tracking itself is the intervention.

~30 % cheaper
how a card purchase feels vs. cash

The pain of paying returns

Tapping a card numbs the brain's cost signal. When you see the receipt — merchant, line items, running total — that signal comes back. Each purchase becomes a conscious decision instead of an invisible tap.

4 buckets
the average person mentally uses

Mental accounting, finally visible

Your brain already splits money into buckets: groceries, fun, bills, surprises. wimm makes those buckets visible. Seeing that "dining out" is at 85 % before the month ends changes Friday's decision — not next month's regret.

Daily > yearly
feedback frequency that builds habits

Tiny loops beat willpower

Lasting change doesn't come from one big budget. It comes from tiny loops: a nudge at 75 % of budget, a streak on a weekly challenge, a daily Health Score. The app carries the discipline so you can just show up.

Behavioural economics references: Soman (2001) on pain of paying, Thaler on mental accounting, and mere-measurement effect studies on self-tracking.

Three simple steps to financial clarity

Getting started takes seconds. Our AI does the heavy lifting.

1

Scan

Point your camera at any receipt. Our AI reads it instantly and extracts all the details.

2

Track

Transactions are categorized, analyzed, and organized automatically. No manual entry needed.

3

Save

Get personalized insights, spot trends, and find cheaper mobile or internet plans you can switch to in a tap.

Everything you need to master your money

Powerful tools that work together to give you complete control over your finances.

Save

Cheaper Mobile & Internet Plans

Snap your phone or internet bill — or mark any bill yourself. wimm reads your current plan, compares it against live offers from Swiss, German, and Austrian providers, and shows what you'd save by switching. It separates lifetime prices from introductory promos, and lets you hide providers you'd never pick so the savings number stays real.

  • Switzerland · Germany · Austria
  • Lifetime vs. promo pricing
  • Direct switch links

Capture

AI Receipt Scanning

Snap any receipt and Google Gemini extracts merchant, amount, date, line items, and category in seconds — with a confidence score on every field.

  • Photo or screenshot
  • Line-item detail
  • English & German

Understand

Financial Health Score

A daily 0–100 score of your financial health with personalized tips to improve it, plus a history chart so you can see your trend over time.

  • Updated daily
  • Personalized tips
  • Trend history

Automate

Smart Rules Engine

Auto-categorize, tag, and flag transactions with custom rules — built in a guided canvas. Preview exactly which transactions a rule will touch before you apply it. Pro adds amount ranges, time filters, and tax-deductible tagging.

  • Preview before applying
  • Guided builder
  • Advanced conditions (Pro)

And plenty more

Every tool you'd expect — polished, fast, and private. Tap any card for the full story.

Break your spending down by category, merchant, or month, watch trends develop over time, and tap any slice to drill into the exact receipts behind it — plus monthly reviews that summarize where your money went.

Give every receipt a home account and watch real balances roll up live across checking, savings, cash, credit-card and tracking accounts. Move money between them with two-sided transfers, set opening balances, and archive accounts you've closed — all without ever connecting a bank login.

Set budgets per category and watch live progress bars fill as you spend, with alerts at 50, 75 and 90 % before you overshoot — and a monthly review that rolls your limits forward.

Define a target, track every contribution, and let wimm project when you'll get there from your real saving pace — with milestones along the way and an investment calculator to compare scenarios.

Import a CSV or PDF statement and Gemini maps the columns, categorizes the rows, and skips duplicates automatically — so months of transactions land in seconds, not by hand.

wimm spots recurring charges in your history and groups them into a clear subscription overview, so you can see what renews, how much it all adds up to, and what's worth cancelling.

Split any bill equally, by percentage, exact amounts, shares, or item by item, assign it to people or groups, and keep track of who owes what.

Take on no-spend days or category limits, build streaks, and unlock badges and achievements — saving turns into a game you actually want to keep playing.

A swipeable, story-style recap of your financial year — top categories and merchants, biggest wins, and the numbers that defined your last twelve months.

Flag deductible expenses as you go, map them to tax categories, and export a clean, organized package when it's time to file — no shoebox of receipts.

Activate a tamper-evident, hash-chained ledger that records every receipt and change in an unbroken, auditor-honest chain — complete with a generated Verfahrensdokumentation and export, so your books stand up to a German tax audit (Betriebsprüfung). Pro.

Record spending in any of 150+ currencies with live and historical exchange rates, and see everything converted back to your home currency automatically.

Your data lives encrypted on your device, not on our servers. The cloud only relays AI requests — nothing is sold, profiled, or monetized, ever.

A fully themed light and dark mode that follows your system setting or switches on demand — easy on the eyes, day or night.

Loved by thousands

See what our users are saying about their experience.

Finally an app that actually makes receipt scanning fast and accurate. The AI extraction is incredible.

MK

M. Klein

Freelancer

I love the privacy-first approach. My financial data stays on my phone, where it belongs.

SR

S. Richter

Privacy Advocate

The budget alerts saved me from overspending three times this month alone. Game changer.

TL

T. Lang

Student

Tax season used to be a nightmare. Now I export everything with one tap. Worth every cent of Pro.

JW

J. Weber

Small Business Owner

Your finances. Your privacy.

We built this app with privacy as the foundation, not an afterthought.

Local-First Storage

Your financial data never leaves your device unless you choose otherwise.

No Tracking

We don't sell your data or track your spending habits. Your money, your business.

Secure Authentication

Enterprise-grade security protects your account with industry-standard encryption.

Simple, transparent pricing

Start free. Upgrade when you need more power.

Free

Get started with the basics

CHF 0forever
  • 30 receipt scans / month
  • 5 AI insight teasers / month
  • Basic analytics (trends)
  • 1 budget & 1 savings goal
  • 3 smart rules (basic)
  • Basic bill splitting (3 contacts, equal)
  • Manual backup & restore
  • Recurring detection
  • Tax management
  • Multi-currency & live rates
Get Started Free
Most Popular

Pro

Full power for individuals

CHF 7.99/ month

CHF 79.99 / year

7-day free trial

  • 500 receipt scans / month
  • Mobile & internet plan comparison (10 / month)
  • Unlimited AI insights & digests
  • Full analytics & charts
  • Unlimited budgets & savings goals
  • Unlimited smart rules (advanced)
  • Full bill splitting (item-level, unlimited contacts)
  • Smart recurring detection
  • Full tax management & export
  • Multi-currency (150+ live rates)
  • Bank statement import (CSV / PDF)
  • Financial Health Score & Year in Review
  • Spending Challenges, badges & investment calculator
  • Scheduled automatic backups & push digests
Go Pro
Coming Soon

Business

For teams & freelancers

CHF 14.99/ month

CHF 149.99 / year

14-day free trial

  • Everything in Pro, plus:
  • Team workspace (up to 10 seats)
  • Role-based access control
  • Expense approval workflow
  • Client & project tracking
  • Mileage & per-diem tracker
  • DATEV / QuickBooks / Xero export
  • Custom report builder
  • Multi-device cloud sync
  • Priority support
Join Waitlist

Ready to find your money?

Download for free and start scanning in seconds. No credit card required.