Watni's your personal finance assistant — it builds your financial plan and shows you exactly how to allocate your money to fund every goal.
Get startedPay just $5 your first month when you refer someone who joins within 30 days.
Most finance assistants talk. Watni's the one that actually does it.
This is what Watni sees before it recommends anything — your real numbers, not estimates.
Every asset, every liability, one clear number — plus how you stack up against peers your age and income.
Committed expenses, discretionary spending, and what's actually free to put toward your goals — broken down automatically.
Every recommendation runs through a priority system that knows exactly what to fund first, in what order, and where the money comes from.
Checking, savings, brokerage — allocated in priority order by time horizon, down to the dollar. One month of expenses always stays untouched in checking, automatically.
Soonest goal first. Once it's funded, that deposit rolls onto the next — insurance premiums and employer 401k matches never get skipped in the shuffle.
"Nothing moves until you do it yourself." That's not a tagline — it's printed on the screen, every time.
You're not bad with money. The apps are just bad at their job.
Most finance assistants are chatbots that explain your spending back to you. They never actually do anything about it.
Most advisors won't return your call without $50K sitting around. Cool, if you're not 23.
Generic tips are hard to trust because they're too vague to know if they're even right for you. Watni's recommendations are specific enough to actually act on.
From "I should really deal with money" to actually dealt with.
Banks, cards, whatever you've got. Takes two minutes, not a Saturday.
Your assistant builds a plan around your actual goals — rent, a trip, a house, whatever's next.
Nothing moves until you approve it. Change anything you don't like.
You get a clear, specific plan for every goal — exactly what to fund, how much, and when. You just check in and follow it.
Not a chatbot that talks about your money. A personal finance assistant that actually gets it done.
Every bank, card, and investment account, finally in one feed instead of six tabs.
Tell it what you're saving for. It works out how much, how fast, and from where.
Matches you to accounts, loans, or policies that actually fit — no research rabbit holes.
Not vague advice — specific next steps: how much, which account, and by when.
Patented cash-flow logic decides how much goes where, automatically, every time.
Checks your progress against the plan and tells you when something needs your attention.
No discretion, no fine print, no recommendations for sale. Every plan is built around your goals, not anyone else's.
No asset minimums. No surprises.
Your accounts connect through the same secure infrastructure banks and other finance apps use. Watni never sees your login credentials.
No catch. Flat monthly fee, no asset minimums.
Nope. That's kind of the whole point.
Go for it. Approve the parts you want automated and skip the rest — it's your call, every time.
Most AI personal finance apps categorize spending and don't give you specific steps to achieve your goals. Watni is a personal finance assistant that shows you how your money can be allocated to fund all your goals — making the recommendations actionable.