WalletPulse: Budget & Finance

WalletPulse helps you take control of your loans, debts and budget — all on your phone, with no account, no bank connection and no tracking. PAYOFF LAB — OUR SIGNATURE FEATURE WalletPulse is built around an advanced Loan Amortization Engine you won't find in other budgeting apps: - Full amortization schedule for any loan (mortgage, auto, student, personal) - "Pay Extra" simulator: see exactly how many months and how much interest one extra payment a month saves you - Bi-weekly vs monthly comparison with real interest savings - Side-by-side principal vs interest breakdown for every single payment - Multi-loan comparison feeding into your Net Worth and Financial Health Score DESIGNED FOR BEGINNERS Most finance apps assume you already understand budgeting, sinking funds, debt strategies and amortization. WalletPulse takes the opposite approach: a guided 5-step onboarding, plain-language explanations, sensible defaults and a Financial Health Score that turns raw numbers into a single understandable signal. The goal of v1.0 is to get a first-time user from "I have no idea where my money goes" to "I have a budget, I know my bills, and I understand my debt payoff timeline" in under 10 minutes. EVERYTHING ELSE YOU NEED - Budget Planner with categories and progress bars - Bill Calendar for recurring payments - Transactions Tracker - Debt Payoff Tracker (snowball + avalanche) - Savings goals and sinking funds - Net Worth Tracker - 50/30/20 Budget - No Spend Tracker - Annual Dashboard - Financial Health Score with personalized tips PRIVACY FIRST 100% on-device. No backend. No account. No bank login. No tracking. No analytics. No ads. Your financial data never leaves your phone. DARK MODE NATIVE — Designed for OLED screens. BILINGUAL — Full English and Spanish. Free to download. No subscriptions in v1.0.