Manage your money — Track. Budget. Grow together.
A private finance workspace for daily spending, shared budgets, goals, loans, insights, backups, and exports.
Budgets • Shared finance • Goals and loans
Built for real money routines
Bring daily records, shared planning, long-term goals, and practical finance tools into one calm workspace.
Income, expenses, and transfers
Record daily money movement with categories, notes, payment methods, and supported attachments.
Personal and group workspaces
Track money privately, or invite family and trusted members into a shared finance workspace.
Budgets that stay practical
Create monthly budgets, assign categories, and compare planned amounts with actual spending.
Calendar-based review
Review activity by date and keep upcoming or overdue finance items easy to notice.
Accounts, trends, and statistics
Follow balances, account flow, net worth, spending trends, charts, and summary statistics.
Goals and loans
Track savings goals, loan records, long-term loans, and EMI planning from the finance workspace.
Sync, backup and export
Keep your data synced securely, backup your workspace, and export when needed.
Clear Budgeting & Categories
Review monthly spending limits in one place.
Compare planned amounts with recorded spending by category.
Shared Groups Workspaces
Manage money with family or partners.
Invite trusted members to a shared workspace to track expenses
together, keeping everyone aligned on household goals.
Deep Insights & Statistics
Understand your financial habits at a glance.
Beautiful charts and trends give you clarity on your net
worth, cash flow, and where your money goes every month.
Comprehensive Loan Tracking
Review active loans and upcoming EMIs.
See the recorded principal, interest portions, and remaining schedule.
Built-in Financial Calculators
Plan future scenarios in the same app.
Calculate SIP returns, EMI payouts, and savings growth without leaving the app.
Interactive Calendar View
Visualize your cash flow on a daily basis.
Quickly identify high-spending days and stay prepared for recurring bill dates.
A clearer finance workspace:
Take control of your finances
and review your goals.
Built for Clarity.
Designed for Growth.
SilkWallet combines budgeting, transaction tracking, goals, loans, warranties, backup, export, and optional sync in one finance workspace.
Goal & Loan Tracking
Track savings goals, long-term loans, and EMI payments with progress indicators and recorded milestones.
Smart Budgets
Create monthly budgets, assign custom categories, and compare your planned budget with recorded spending.
Calendar View
Review transactions and activity by date to find upcoming payments and inspect cash-flow trends.
Seamless Sync & Backup
Use optional sync across supported family devices. Export supported records to CSV or PDF when you need a separate copy.
Built for Every Household
Families
Coordinate household income, expenses, budgets, and goals in a shared workspace.
Couples
Plan joint spending while keeping personal and shared records organized.
Individuals
Track day-to-day transactions, category budgets, goals, loans, and warranties.
Groups
Record shared trip or event expenses and review member-level totals.
Compare budgeting and expense apps
Compare budgets, shared expenses, goals and private records.
On smaller screens, scroll the table sideways to compare all options.
| Feature | SilkWallet | YNAB | Splitwise | Monarch | Goodbudget | Wallet by BudgetBakers | PocketGuard |
|---|---|---|---|---|---|---|---|
| Price | Free | US$109/yr
or US$14.99/mo
34-day trial | Free: 4 expenses/day
Pro: regional prices | US$99.99/yr
or US$14.99/mo
7-day trial | Free / Premium
US$80/yr or US$10/mo | Free / Premium
In-app prices | US$74.99/yr
or US$12.99/mo
7-day trial |
| Focus | Shared budgets | Budgeting | Shared bills | Household finance | Envelope budgets | Budgets & bank sync | Cash flow |
| Manual entry | |||||||
| Budgets | Zero-based | Envelopes | Mobile | ||||
| Shared finances | Member roles | YNAB Together | Groups | Household | Household sync | Premium mobile | Shared login |
| Savings goals | Targets | Envelopes | |||||
| Private + shared | Personal workspace | Manager access | Shared visibility | Account permissions | |||
| Warranties / AMC |
Features and availability vary by plan. Comparison details & sources
The Power of Clarity
Financial peace of mind starts with a clear understanding of your daily habits and long-term goals.
Managing finances shouldn't be stressful. A well-organized budget gives you the freedom to spend on what matters.
We built SilkWallet to bring clarity to your money. To keep you informed. To protect your future.
Get SilkWallet
Download SilkWallet for iOS or Android from the official app store.
SilkWallet
Our Privacy Promise
Finance Guides
Budgeting for Families
How tracking expenses together can improve financial transparency at home.
Choosing a household budgeting workflow
Practical ways to combine shared finance apps with the budgeting workflow that suits your household.
5 Saving Hacks for Individuals
How to use shared goals and budget limits to keep your finances on track.
Privacy and support
Read how data is handled or contact us for help.