More than an expense tracker

Your money,
with a co-pilot.

Track spending, savings and investments. See your net worth and what's safe to spend each day.

Free · No bank connection required · Your data stays yours

Not just another expense tracker

Tracking spending tells you what already happened. Wealthpadi shows your whole financial picture, and helps you act on it.

An ordinary tracker
Only tracks what you spent
Endless manual data entry
Shows the past, not what's safe to spend
Ignores savings, debts and money you're owed
You're on your own to make sense of it
Wealthpadi
Your full net worth: cash, goals, investments, debts and loans
Log by chat or voice; Maya fills in the entry for you
Safe-to-spend tells you what today can actually handle
Saving is a transfer, so it never dents your net worth
Ask Maya anything, grounded in your real numbers
Home

Know exactly what's safe to spend today

Your home screen opens on one number: what you can safely spend per day until payday, after bills and money set aside for goals. A forecast shows how your buffer trends, and your net worth and month-to-date income and spending sit right below.

  • A daily safe-to-spend figure, not just history
  • A forecast to your predicted low before payday
  • Net worth and buffer, updated as you go
Assets & investments

Add your holdings and see your true net worth

Record everything you own, from money-market funds to mutual funds, crypto and cash, and watch it roll into your net worth. Listed holdings follow live market prices, and an allocation breakdown shows how your money is spread. Debts and money you're owed are folded in too.

  • Add holdings: funds, crypto, cash and more
  • Live market prices keep values current
  • Allocation, risk score, debts and loans in one place
Goals

Save without ever feeling poorer

A goal is a savings pot. When you contribute, money moves from cash into the pot. It's a transfer, not an expense, so your net worth never drops just because you saved. Auto-save can move it for you on payday.

  • Set targets and let the app pace you
  • Auto-save on payday
  • Leftovers return to cash when you fulfil a goal
Maya, your co-pilot

Log money, then explore your options

Tell Maya “I spent 40 on lunch” and she logs it. Ask about the markets and she pulls today's live rates, from treasury bills to stocks, so you can weigh your options yourself and track whatever you own in your assets.

  • Log money by chat or voice
  • Live rates for T-bills, funds and stocks
  • Clear answers grounded in your own numbers, never advice

And there’s more

Budgets

Cap the categories you want to control and catch overspending early.

DiningGHS 320 / 400

Wealth Score

A simple health score across saving, spending, debt and investing, with tips to improve.

78 / 100
Good, improving

AI insights

A personal “For you” feed that flags what's worth your attention this week.

Cut GHS 200 from subscriptions this week

The Wealthpadi way

Start investing
The best day to start investing was yesterday. The next best is today.
Money left idle loses value. Money invested quietly works while you sleep.
Build the habit
Wealth isn't luck. It's a habit you repeat every single day.
Track it, invest it, watch it grow. Wealthpadi makes the habit effortless.
Stay in control
A budget tells your money where to go instead of wondering where it went.
Small habits, tracked daily, are how ordinary income builds real wealth.
Track your money
You can't grow what you never track.
Every spend you log is a decision you take back. See where your money really goes.

What our first users say

5.0 from our first in-app reviews

I really love this app, it makes it so easy to log and track every cedi the smarter way. Thanks to whoever built this 👍

Wealthpadi user · Ghana

This app is a game-changer. Big ups to the bright minds behind it. I like the Maya co-pilot feature. The app is user friendly. Didn't struggle getting my way around it.

Wealthpadi user · Ghana

I built this because, month to month, I didn't know where my money was going. My investments were scattered across the platforms I invest with, so I never saw the full picture. Wealthpadi is the app I needed myself: spending, savings, investments and net worth, all in one place.

Philip Oduro · Founder, Wealthpadi
No bank connection requiredYour data stays yoursFree to use

Get Wealthpadi on your phone

Wealthpadi installs straight from your browser and works like a normal app, with no app store and no download queue. Once added, it opens full-screen and can send you reminders.

iPhone / iPad
  1. 1Open wealthpadi.com in Safari
  2. 2Tap the Share button
  3. 3Choose “Add to Home Screen”
Android
  1. 1Open wealthpadi.com in Chrome
  2. 2Tap the ⋮ menu
  3. 3Tap “Install app”
Open Wealthpadi

On a computer? Open it in your browser and sign up, and your account syncs to your phone.

Questions, answered

What is Wealthpadi?

Wealthpadi is a personal-finance app and your financial co-pilot. It brings your whole money picture into one place (income, spending, savings goals, debts, loans and investments) and turns it into a clear net worth and a realistic safe-to-spend number.

How is it different from other expense trackers?

Most trackers only log what you spent. Wealthpadi shows your real financial position: cash, goals, investments, debts and money you're owed. And Maya, the built-in AI assistant, logs money for you and answers questions grounded in your own numbers.

Is Wealthpadi free?

Yes. Wealthpadi is free to use. Create an account with your email or Google and start tracking in minutes.

Does it connect to my bank?

No. Wealthpadi never connects to your bank and never holds or moves your money. You stay fully in control of what goes in. It's a tool for organising your own information.

How do I install it?

Open wealthpadi.com in your phone's browser and add it to your home screen. On iPhone, tap Share then Add to Home Screen; on Android, open the menu then tap Install app. It then works like a normal app, no app store needed.

What is Maya?

Maya is the built-in AI money assistant. You can log money by chat (“I spent 40 on lunch”), ask questions about your finances, and look up live figures. Maya is an assistant, not a licensed financial adviser, so verify anything important before acting.

Take control of your money

Set up your account in minutes and let Maya do the heavy lifting.

Get started free