AI reviewer
# WIMM (Where Is My Money) – Honest Review After Two Weeks ## What WIMM Does Well WIMM’s pricing is genuinely refreshing: **$9/month flat** for an entire household (up to 5 members), with no per-sea…
Independent · Privacy-first · $9/mo
Run your household budget for $9 a month.
No ads. No data sales.
An honest, independent finance tracker for households. AI categorizes every transaction, Plaid syncs your banks, and your data is never sold or used to train models.
No sign-up required for the demo. Free trial: 14 days of Premium, no card.
AES-256-GCM at rest, TLS in transitNo ads, no behavioral tracking, no data salesPlaid handles bank logins, we never see themMulti-AI engine, your data is never used to train modelsBuilt in the USNo VC funding
Why this exists
$9/mo
flat forever
12,000+
banks via Plaid
99%+
AI accuracy on real data
Built and run by a one-person team based in the US, for households tired of not knowing where the money went.
No VC pressure, no ads, no data sales — just a useful tool at a fair price.
Read the full storySee It in Action
A quick look at what you get
Dashboard Overview
Track all of your spending in one place
Transactions
Get a bird's eye view of your transactions
Smart Budget
The journey begins with a budget and utilize the Smart Budget Wizard
Budget
Refine your smart budget even further
Reports & Analytics
Get a detailed report and analyze your finances with this easy to read tool
Goals
Easily set goals to align with your budget
Accounts
You can have as little as one account or several, it just depends on how deep your budgets and reports need to be.
Transaction Imports
Import your documentation via csv or excel files straight from your banking statements
Recurring Expenses
The "Where is My Money" application will help you realize your recurring expenses fast and easily.
AI Assistant
Use the AI Assistant to help you answer questions about your Finances.
Household
Add household members to include in the "Where is My Money" application.
Settings
Personalize more of what you want in the "Where is My Money" application within the Settings area.
How it works
Three steps from signup to clarity.
- 1
Connect bank or import
Plaid links 12,000+ banks. Plaid handles the bank login directly. WIMM never sees your bank password. Prefer manual? Drop in a CSV, Excel, or OFX export.
- 2
AI categorizes
Claude, GPT-4o, and DeepSeek tag every transaction. Override once, remembered forever.
- 3
See every dollar
Real-time budgets, anomaly detection, and reports that actually explain your spending.
Honest reviews
Real opinions from customers and independent AI auditors — unfiltered.
AI reviewer
WIMM (Where Is My Money) stands out as a robust tool for household finance management, emphasizing privacy and affordability. Available at a flat rate of $9/month, WIMM offers strong features like AI-…
AI reviewer
# WIMM (Where Is My Money) — Honest Review ## What WIMM Does Well The AI categorization story is genuinely the standout feature. Three engines — Claude, GPT-4o, and DeepSeek — route each transaction…
Everything you need to master your finances
Premium unlocks the full power of WIMM with advanced AI, included bank connections, and deep analytics.
AI Categorization
Three AI engines (Claude, GPT-4o, and DeepSeek) automatically categorize every transaction with 99%+ accuracy.
Plaid Bank Sync
Connect to 12,000+ banks with included connections. Transactions sync automatically.
Unlimited History
Import years of transactions via CSV, Excel, or OFX. No caps and no limits.
Smart Analytics
Monthly, quarterly, and yearly spending breakdowns. Category trends, account-balance history, AI-flagged anomalies, exportable PDF reports.
Envelope Budgeting
Give every dollar a job. Move money between envelopes as life changes.
Bill Reminders
Never miss a payment. Track upcoming bills, get configurable reminders.
Debt Reducer
Pay off debt in months not years with avalanche, snowball, and AI strategy advice.
2FA & Account Security
TOTP two-factor authentication, backup recovery codes, trusted-device support, and AES-256-GCM encryption for every sensitive field at rest.
Household Sharing
Invite your partner with their own login. Owner / editor / viewer roles. Share what matters, keep private transactions private.
Savings Goals
Emergency fund, vacation, bill payoff. Track progress, see months-to-goal, link contributions to real transactions.
Net Worth Dashboard
Assets minus liabilities across every account. 6-month trend chart. Per-type breakdown. One screen for the full picture.
Subscription Tracker
Every recurring charge in one list. Quarterly, annual, weekly — all normalized to a monthly total so you see the real bleed.
Installable on iPhone and Android — add to your home screen in 10 seconds. No app store required.
How WIMM compares
A few of the differences. The full table covers Mint, YNAB, Monarch, Goodbudget, EveryDollar, and your bank's app.
| Feature | WIMM | Mint | YNAB | Monarch | Goodbudget | EveryDollar | Bank App |
|---|---|---|---|---|---|---|---|
| Highlights | |||||||
| AI transaction categorization | |||||||
| AES-256-GCM encryption at rest | |||||||
| No ads, no behavioral tracking | |||||||
| Monthly price | $9.00/mo | Free (ads) | $14.99 | $9.99 | Free / $10 | Free / $17.99 | Free |
Frequently asked questions
Is my financial data safe?
Yes. Plaid access tokens are encrypted at rest with AES-256-GCM. TOTP secrets are encrypted with the same scheme; backup recovery codes are bcrypt-hashed. Passwords use scrypt. Every database query is scoped to your user ID, so no other user can see your data. We do not run ads, sell data, or use behavioral tracking. For the full breakdown, see /security.
Does WIMM have a mobile app?
Today WIMM is a responsive web app that works on phones, tablets, and desktop. Native iOS and Android apps are on the roadmap.
How do I cancel?
WIMM Premium licenses are one-time purchases for a fixed term (monthly or annual). They do not auto-renew, so there is nothing to cancel. Your license stays active for the full term you paid for, then expires unless you choose to purchase another. If you want a refund inside the refund window, see the refund policy below.
Does WIMM connect to my bank?
Yes — via Plaid, which supports 12,000+ banks in the US. For credit unions or institutions Plaid doesn't cover, you can manually import CSV, Excel, or OFX files. Bank sync is a Premium feature.
Does WIMM share my data?
No. We don't sell data, run ads, or share with third parties. Plaid is the only external service that sees bank-account-level data, and only at your direction.
Ready to take control?
Setup takes less than 5 minutes. Try the demo with no signup, or start a 14-day free trial with no credit card.