Welfi

Every currency, plus gold, property and crypto, in one net worth. Encrypted on your device, so nobody at Welfi can read it. No bank login, ever. Free for 14 days.

Welfi is a personal finance app for people whose money doesn't sit in one country, or one currency.

Track accounts in AED, USD, EUR, GBP — or whatever you actually hold — alongside physical gold, property, vehicles, investments and crypto. See all of it as a single net worth, in the currency you think in.

And it stays yours. Your financial data is encrypted on your device before it ever reaches us. We cannot read your balances, and neither can anyone who breaks into our servers. Welfi never asks for your online-banking password — there's no third party sitting between you and your bank.

WHAT YOU CAN TRACK

• Accounts in any currency, with automatic exchange rates or your own
• Physical gold by gram, ounce or kilo
• Property, vehicles and investments
• Crypto holdings, right next to everything else
• Loans, cards and debts — the full picture, not just the good half

BUDGETING THAT HOLDS UP

• Envelope budgeting: see what's left in every category, in real time
• Split a single transaction across several categories
• Recurring income and bills on any cadence — including every 3 weeks, or every 18 months
• Statement import: upload a PDF, CSV or Excel file and Welfi reads it, categorises it, and skips duplicates

CLARITY, NOT GUESSWORK

• Where your money sits — how quickly you could reach each part of it, and what your cash earns while it waits
• Spending by category and over time, net worth, savings rate — all exportable
• A financial health score, with the specific things that would improve it
• An AI assistant you can ask about your own money, in plain language

PLANNING AHEAD

• Savings goals, with the number of months to each one
• Net-worth projection
• Retirement planning
• End-of-service and gratuity estimates under your country's labour rules

BUILT FOR IPHONE

• Face ID lock
• Home-screen widgets
• Quick-add from anywhere
• English, Arabic and French, with full right-to-left support

WHY NO BANK CONNECTION Aggregators need your bank credentials and sell the resulting data onward. Welfi doesn't want either. You add accounts yourself or import a statement, which is also the only way to cover the banks, currencies and assets aggregators ignore.

Welfi describes what you hold and shows published figures alongside their sources. It is information, not financial advice, and it never recommends a product or tells you what to buy, sell or move.

SUBSCRIPTION Welfi is free for 14 days — no card required. After that, Core and Premium are available as monthly or yearly subscriptions; current prices are shown in the app before you confirm. Payment is charged to your Apple Account, and renews automatically unless cancelled at least 24 hours before the period ends. Manage or cancel in your Apple Account settings.

Privacy policy: https://welfi-app.com/privacy Terms: https://welfi-app.com/terms How we protect your data: https://welfi-app.com/security