Private beta · your personal finance inbox

Your everyday money, finally all in one place.

Waffol connects your accounts and works through the admin: unusual charges, forgotten subscriptions, dinners still to split. It asks you before anything changes.

Read-only bank connections. Waffol doesn’t take any action without your permission.
The personal finance inbox

Only the money admin that needs a decision. The rest is handled.

Waffol surfaces only what needs you: a dinner to split, a missing receipt, a subscription you forgot, a friend’s repayment to match against what they owed. Swipe through your cards one at a time. Once you confirm what’s happening with a card, Waffol remembers it for next time.

Your money, brought together

Bring in the messy reality, not a perfect spreadsheet.

Connect your banks and Waffol keeps a year of history current on its own. That’s the ledger. Then attach what the bank can’t see, like a receipt photo or a note about a cash dinner, and Waffol ties it to the transaction it belongs to.

BetaEarly access includes read-only connections to supported UK banks.

Ask Waffol anything

Ask anything. Waffol answers, then follows through.

Ask in plain language, like ‘is there anything I still need to be paid for this weekend?’. Waffol answers from your own transactions, receipts and splits, then follows through: prepare the split, send the payment request, match the repayment when it lands. Every action waits for your OK.

Your everyday money, finally all in one place.

Waffol connects your accounts and works through the admin: unusual charges, forgotten subscriptions, dinners still to split. It asks you before anything changes.

The personal finance inbox

Only the money admin that needs a decision. The rest is handled.

Waffol surfaces only what needs you: a dinner to split, a missing receipt, a subscription you forgot, a friend's repayment to match against what they owed. Swipe through your cards one at a time. Once you confirm what's happening with a card, Waffol remembers it for next time.

Your money, brought together

Bring in the messy reality, not a perfect spreadsheet.

Connect your banks and Waffol keeps a year of history current on its own. That's the ledger. Then attach what the bank can't see, like a receipt photo or a note about a cash dinner, and Waffol ties it to the transaction it belongs to.

BetaEarly access includes read-only connections to supported UK banks.

Pulling it in
Amex
Barclays
Ask Waffol anything

Ask anything. Waffol answers, then follows through.

Ask in plain language, like 'is there anything I still need to be paid for this weekend?'. Waffol answers from your own transactions, receipts and splits, then follows through: prepare the split, send the payment request, match the repayment when it lands. Every action waits for your OK.

What makes Waffol work

Your money, with more context attached.

Transactions do not sit alone.Receipts, friends, notes, categories, repayments, and splits stay attached to the money they belong to, so Waffol can tell what needs your attention.
Read-only. Your money never moves.Bank connections are read-only and Waffol can never move your money. Your data is encrypted and stays yours, and friends only ever see the details you choose to share.
Useful suggestions. Clear approval.Waffol can flag open loops, prepare splits, match repayments, and suggest next steps. Important actions wait for your approval, and you can change any call it makes.
Import statements, PDFs, and receipts·Friends repay from a link, no signup·Multi-currency ledger·AI import & search, in beta

Start with your real spending.

Join early access and turn your everyday money into something you can actually work with.