Let your AI assistant set up your wallet

An AI assistant connected to Walletguide can now set up a wallet with you. It creates the wallet, sends you the links to connect your banks, then adds your assets and sorts your transactions, all from one chat.

Two new options on the consent screen decide how far it may go: changing wallet settings and bank connections, and creating wallets. For changes only you should make, like inviting someone or deleting a wallet, the assistant sends you a request, and you approve or decline it in the app.

Setup guides for ChatGPT, Claude, Claude Code and Cursor are in the app: click the robot icon at the bottom of the sidebar.

Collapsible sidebar, with wallet settings in one place

On desktop you can now fold the sidebar away with the handle on its edge, so reports and long lists get the full width. A reload opens it again.

The bottom of the sidebar is now an icon bar: Connect AI, help, notifications, wallet settings and your account. The gear switches the sidebar to the wallet settings, where deleting a wallet now lives too, in a Danger zone at the end of General.

Forms put their labels above outlined fields. The app downloads less code before a page shows, so pages open faster, sign-in most of all. On phones, lists use the full width and an asset's actions fold into a menu.

Share a wallet read-only, or with the access you pick

You can now invite someone into a wallet as a viewer. They see your assets, transactions and reports and can change nothing, which fits a tax advisor or a partner who only needs to look.

When neither editor nor viewer fits, pick the access area by area. Assets, balances, transactions and financials each have a read and a write permission, so someone can follow your income and expenses without seeing what your assets are worth.

API keys work the same way, and a new key starts out read-only. Nobody can hand out more access than they hold themselves.

Your AI assistant can file documents into your wallet

An AI assistant connected to your wallet can now add documents, not just read your numbers. Ask it to file a receipt or a broker's contract note and it uploads the file and attaches it to the right transaction, a security trade included.

For anything bigger than a small receipt, the assistant gets a single-use upload link that is valid for 15 minutes and sends the file there itself, so the PDF arrives exactly as it is. That needs an assistant that can reach files on your computer, like Claude Code. In a plain chat, uploading in the app is still the way.

Comments and files you add in the app now also show up in the transaction's sidebar right away, without a reload.

Hosted in Frankfurt, with no trackers in the app

Walletguide now runs on Google Cloud in Frankfurt: the app, the background jobs and the database that holds your wallets. Emails come from Amazon SES in the AWS European Sovereign Cloud, also in Germany.

We also removed PostHog, Sentry and Intercom from the app. Errors are logged by us, and support is a form in the user menu where you can paste screenshots or attach files. The app only sets the cookies that keep you signed in, so the cookie banner is gone.

Along the way, every request makes fewer trips to the database, so opening a wallet is quicker.

A compact sidebar, with reports in their own section

The sidebar is more compact and gives reports a section of their own: Net worth, Income & Expenses, Recurring, Profit & Loss, Planning and Forecast. Each report is now its own page, one click from the sidebar, and old report links still land on the right one.

Every page puts its filters in the same spot under the title, so switching between reports no longer makes the controls jump.

On phones, one tap in the wallet selector now opens a wallet instead of two. On a short window, the user card at the bottom of the sidebar stays in view.

CSV imports take larger and three-column files

CSV imports are more forgiving. A file with a few thousand rows now imports in one go, up to 5,000 at a time; before, imports failed from around 1,700 rows. A file with only date, description and amount, the way American Express exports it, is accepted too.

When a file can't be read, you get a message that says why and what to try, for example when it's really a PDF or an Excel file, instead of a spinner that never stops. If saving fails, nothing is half-imported: the rows go in together or not at all.

Ticking the header checkbox in a transaction list now selects every transaction that matches your filters, not just the ones loaded on screen.

Walletguide in your AI assistant, and on the command line

You can now connect an AI assistant like Claude to your wallet and ask questions about your own numbers. It reads through the same API the app uses, so there is nothing to export and nothing to keep in sync.

For everything that is easier typed than clicked, there is a command-line tool: npx walletguide lists your wallets, exports transactions and reaches every endpoint of the API, which makes scripts and one-off checks a one-liner.

Both can connect through your browser rather than a key you paste somewhere: you approve the connection on a consent screen that asks for reading only – writing is a box you tick yourself – and every app you have connected is listed in your user settings, with one button to cut it off again.

An API that writes, not just reads

Our API could only read. It now covers what the app itself does: creating and updating assets, transactions, categories, tags, plans and more, across more than a hundred endpoints. The documentation lists every one of them with an example you can run against your own wallet.

Access runs on API keys you create in the wallet settings. A key belongs to a single wallet, so a script written for one cannot reach another, and you can see when each key was last used and delete it the moment you no longer need it.

Documentation at docs.walletguide.com

Walletguide now has proper documentation: how the product models your money, what each report actually calculates, how bank connections, crypto and securities are kept up to date, and what happens to your data when you remove something.

It is written to be read, not searched in desperation, and it covers the developer side too. You will find it under Documentation in the app's avatar menu.

Sign in with a passkey

You can now sign in with a passkey instead of typing a password: Face ID, a fingerprint, your screen lock or a hardware key, and it cannot be phished. You add one per device in your user settings. Google and email-and-password keep working exactly as before.

Two-factor authentication now comes with one-time backup codes, for the day your phone is not around – something our old setup could not offer. That is also why it had to be rebuilt: if you had two-factor authentication switched on, please set it up again in your user settings, because the old codes could not be carried over.

A much faster Walletguide

We have rebuilt everything underneath Walletguide. The app used to load your whole wallet into the browser before it could show you anything – for a wallet with years of history, megabytes of data on every single start – and then calculate every report on your device.

Now it loads what is on your screen, and totals, charts and reports are calculated on our servers and arrive ready to draw. Dashboards and reports come back in a fraction of the time they used to take, and long transaction lists stay quick no matter how far back your history goes.

Nothing about your data changed, and nothing moved: same wallets, same views, and old bookmarks still land where they used to. It is also what the API, the command line and the AI assistant connection are built on.

Bank connections in six more European countries

Automatic account syncing in Europe used to be limited to Germany. It now also covers Austria, Belgium, France, Italy, the Netherlands and Spain – on top of the United States and Canada, which we launched a few weeks ago.

Pick the country first when you connect an account, and the bank search will only offer institutions we can actually connect to. Where several German banks share a name, the search now shows the bank code (BLZ) next to the city, which makes them much easier to tell apart.

Introducing monthly summary emails

We’ve added a monthly summary email alongside the weekly one. It’s tailored to the monthly reporting cycle, bringing a clearer overview of income, spending, savings, and month‑over‑month changes. Monthly summaries are especially helpful for items like salary or recurring bills that don’t always align well with a weekly view.

Launching automatic account syncing in the US and Canada (via Plaid)

Walletguide now supports automatic account syncing in the United States and Canada via Plaid. Connect checking, credit cards, and investment accounts and see everything in one place.

This complements our existing finAPI integration in Europe and lays the groundwork for broader international support. Read the blog post for details.

A new way to manage your personal cashflow

Most budgeting features feel static. You enter fixed amounts and hope reality follows. Life rarely does. Many of our users juggle variable income, infrequent but large expenses, and multi‑account setups. They need flexible plans, not rigid envelopes.

In business finance, this problem has been solved for years with planning tools that forecast cash, model scenarios, and iterate quickly. We took the best ideas from that world and brought them to personal finance.

Bulk editing tags for transactions

We have added a new feature to bulk edit tags for transactions. Within the bulk editing sidebar, you can now add tags to all selected transactions at once or remove all tags from the selected transactions.

This makes it much easier to tag transactions and saves you a lot of time, as you don't have to tag each transaction individually.

Improved transfers for crypto and securities

Managing and recognizing transfers between assets is a crucial task in order to have clean and accurate financial data.

Therefore, we have further improved the transfer workflow for crypto and securities. From the crypto and security transaction lists, you can now directly create the counter transactions in other assets or easily find already existing counter transactions.

In case the counter transaction already exists, you can also find the corresponding crypto or security transaction via the "Find" option on the bank transaction list. This means you can establish the link from both sides of the transfer.

Highest and lowest values in net worth charts

Whenever you look at your net worth over time, we now mark the highest and lowest values in the selected date range. This makes it very easy to compare any data point against the peaks and valleys of your net worth.

You can also hover over the markers to see a horizontal line that allows for quick comparisons.

Provide feedback on AI-detected merchants

We have added the ability to provide feedback on AI-detected merchants. You can now click on the "Feedback" button in transaction sidebar to give us feedback on the auto detection.

Your feedback can include anything that has to do with the concrete transaction, e.g. if the merchant is wrong or if there is no merchant detected, but you would expect us to based on the transaction details.

This will help us improve the accuracy of the AI-detection and make it better for you.

Select transaction filters with the help of AI

In the transactions list, we introduced a new feature to select filters with the help of AI. This makes it way easier to find the right transactions without the need to click through all the filter settings manually.

Just press the AI button, enter your query and we will automatically derive the right filters for you.

Example: "Variable expenses last 30 days"

AI summary in weekly summary emails

We have added an AI summary to the very beginning of the weekly summary email. This summary aims to give you a quick overview of your financial data and highlight the most important insights for the last week.

Expenses by merchant (Top 10)

We have introduced a new metric: "Expenses by merchant (Top 10)". This chart shows you at a glance which merchants you're spending the most money with, based solely on your expenses (not income). The top 10 merchants are displayed, along with their logos and the total amount spent. This makes it easy to identify your biggest spending categories and spot opportunities to optimize your expenses.

You can also click on any merchant in the chart to drill down and see all transactions for that merchant. This will take you directly to the merchant detail page with the filters already set for you.

New home page with AI summary

We have added a new home page that shows you an AI summary of your financial data.

As this feature is still in beta, you will still be redirected to the Assets page after login. Click "Home" in the main menu to access the new home page for now.

Beside the AI summary, this page will also let you know about uncategorized transactions and disconnected bank accounts.

Sample wallets for testing and experiments

We introduced sample wallets as a way to test the product and also make experiments with your actual data.

When you create a new wallet, you can now decide if you want to create a "real" wallet for your own financial data or if you want to use a sample wallet for testing purposes.

Sample wallets can be prefilled with sample data, so you can start right away and see how the product works. You can also create a copy of your own wallet into a sample wallet to test out changes without affecting your actual data (sandbox).

Sample wallets will be automatically deleted after 14 days and there is no limit on the number of sample wallets you can create.

JSON export for generative AI models

We have added a new JSON export for generative AI models. This allows you to get your financial data in a structured form that can easily be understood by state-of-the-art AI models.

The export consists of a data.json which holds the actual data, a jsonSchema.json which describes the structure of the data, and a systemPrompt.txt which includes additional instructions for the AI model. Before creating the export, you can choose the date range for the export.

You can find the export in the settings section of your Walletguide account.

Launching the Walletguide API

We have launched the Walletguide API, which allows you to access all the data from your Walletguide account.

For now the API is read-only and limited to all the standard objects (transactions, assets, etc.), but we will add more functionality (incl. edit functionality and access to reports and KPIs) in the future.

You can create an API key in the wallet settings. The API description is at the link below.

Update, September 2026: the API now writes as well as reads, and covers reports and metrics. There are docs at the link below, plus a command-line client and an MCP server for AI agents.

New reports section

We have created a new reports section that bundles all of the old analyses we offered before and adds some cool new metrics as well.

The new reports section uses a tabbed layout, so you can easily switch between your net worth and income/expense reports. For both sections, we revamped the metrics completely, adding a sankey chart, a tree map with all your spending by category and a heatmap that shows the development of the most important KPIs over time.

More flexible date range selection for Profit & Loss report

You can now select a custom date range for the Profit & Loss report. This makes it easier to compare different time periods and track your financial performance over time. Previously, you could only select full years. If you wanted to see a different time period, you had to manually add the transactions. That has changed, and now you can select any date range you want.

Reorder assets via drag-and-drop

We have added the ability to reorder your assets and asset groups using drag-and-drop. This makes adjusting the order of the assets to your specific needs much easier and more seamless. You no longer have to manually change the order via naming or the edit menu of a specific asset. You can also drag assets into asset groups to create a better hierarchy.

Improved date range selection

We have improved the date range selector with a more intuitive interface. You can now easily navigate through months, quarters, and years next to the preset options for common time periods (last 30 days, last quarter, year-to-date, etc.).

This enhancement makes it much easier to analyze trends and make meaningful comparisons between different time frames, helping you gain better insights into your financial data without having to manually set the date ranges.

Create stock/ETF transactions from files section

We've added a new feature that allows you to create stock and ETF transactions directly from the files section. When you upload order confirmations, you can now use them to automatically generate transaction records with all the relevant details extracted from the documents. This streamlines your workflow by letting you create transactions right where your files are stored, making portfolio management more efficient.

Introducing a second pricing tier

In order to provide a better experience for the more complex use cases, we have introduced a new pricing structure. From now on, we will offer a Starter and a Pro tier. The Starter tier is for simple use cases and the Pro tier is for more complex use cases with the ability to have more wallets and manage many more assets.

This change will not affect existing users as they will be able to use the Pro plan at no additional cost.

Improved drill-down for reports

We have improved the drill-down for reports. In the past we always sent you to the transaction list when you clicked on a specific number in the Profit & Loss report or any other analysis. From now on, we will show you a small modal that will summarize from which assets the change comes from. You can then click on the specific asset to see more details (e.g., the specific transactions).

Improved workflow to create transfers

We have added a small button in the transaction sidebar to create transfers directly from the transaction list. Before you had to go through the category dropdown and find the "Transfer" category. Now you can just click the button and we will set the category for you.

After clicking the button, we will show a note that there is no counter transaction created or mapped for that transfer yet. You can go ahead and either create the counter transaction in the other asset automatically or choose from an existing transaction.

Improved file uploads and auto-creation of stock/ETF transactions

We have improved the file upload process to support uploading multiple files at once (via upload and drag-and-drop) and added the ability to auto-create stock/ETF transactions from the uploaded files. This makes life a lot easier, as you can just drag your order confirmations on to the detail page of your portfolio asset.

You can assign files to one or multiple transactions (bank transactions, crypto transactions, stock/ETF transactions) and therefore always have the right documents at hand. This becomes especially helpful when working on thing like your annual tax return.

Total value assets with automated updates via FinAPI

Until now, you could connect your bank accounts through our open banking partner FinAPI, but only when importing transactions at the same time. Now, if you don't want to have all the details in Walletguide, you can add an asset and connect it as a total value asset.

New navigation structure

We have redesigned our main navigation to make it easier for you to get to the most important sections more quickly. Profit & Loss is now on the top level, Assets replaces the old Dashboard, and things like Categories, Merchants, and Tags have been moved to the Settings submenu.

Profit & Loss improvements

We have introduced collapsible categories in the Profit & Loss report. By default, the category groups are collapsed to help you see the big picture more quickly. You can always click on a parent category group to see what's inside.

Multi-factor-authentication

Because all the data you provide to Walletguide is very sensitive, we now support token-based multi-factor authentication. You can use the authenticator app of your choice and simply scan the QR code when going through the setup profiles in the user settings.

Introducing FinAPI as our new open banking partner

We have changed our main open banking provider from GoCardless to FinAPI. This allows us to offer many more different account types (savings, loans, etc.).

Launching investment portfolios

After offering cryptocurrency tracking last month, we have now completed the same integration for stocks and ETFs. From now on, you can easily add your buy and sell transactions and we will track the price and performance of each security going forward.

New asset overview page

We have created a new Net Worth / Asset Overview page that shows all of your assets in one place. This new view also replaces the main dashboard. The old dashboard has been moved to the Reports section.

Track your worth without the details - launching total value assets

You can now add assets that allow you to easily update the value from time to time. This is especially helpful if you don't want to worry about detailed transactions and just want to model the total balance.

Introducing crypto currencies

We have launched support for crypto portfolios in Walletguide. For now, you can track Bitcoin and Ethereum, with many other cryptocurrencies to follow. For now you have to enter the buy/sell transactions manually, but we are already working on more automation.

Improved new asset flow

We have redesigned the entire process of creating a new asset. You can now select your asset type first, and then we offer you multiple options for how to connect or manage your asset.

Launching support for multiple currencies

Previously, you could only set one currency for the entire account. Now you can set different currencies for different assets and we do all the heavy lifting in the background.

Improved performance for auto-detecting merchants

When working with thousands of transactions, suggesting merchants for each change becomes very intensive.

We have greatly improved the algorithms so that this process takes only a few seconds in most cases.

Automated merchant detection via our new brand database

After the Google Maps release from last month, we have now introduced further auto-classification using our new brand database. This will auto-classify almost all transactions from known brands.