Stop stumbling through your budget.
Start waltzing.
waltz.money helps you give every euro a job with the envelope method. No guesswork, no guilt — just a clear plan for your money, built for Europeans.
Three steps to financial peace of mind
The envelope method is beautifully simple. You decide what your money should do before you spend it.
Create your envelopes
Set up categories for everything — rent, groceries, savings, that weekend trip to Lisbon. Every euro gets a purpose.
Assign your income
When money comes in, distribute it across your envelopes. No leftover money wondering what to do with itself.
Spend with confidence
Check your envelopes before you spend. Need to adjust? Move money between categories — no guilt, just flexibility.
Built for how Europeans actually manage money
Simpler by design
No feature bloat. No learning curve that feels like a finance degree. Just the tools you need, nothing you don't.
AI that actually helps
Smart categorization, spending patterns, and gentle nudges. Your budget learns with you, not against you.
Learn as you go
Built-in guides on the envelope method. No separate course, no YouTube rabbit hole — just clear tips right where you need them.
Multi-currency
Euros, pounds, Swiss francs — manage money in the currency you actually use. Not just USD with a euro symbol.
Shared budgets
Budgeting with your partner shouldn't be a battle. Shared envelopes, shared goals, shared peace of mind.
Half the price of YNAB
~€5-8/month. Great budgeting shouldn't be a luxury. Built for European purchasing power.
Your money, your data. Period.
Stored in Europe
Your financial data lives on EU servers. Not passing through overseas data centers, not subject to foreign surveillance laws.
Encrypted at rest & in transit
Your data is encrypted everywhere — while moving and while stored. Bank-level security without the bank attitude.
GDPR compliant from day one
Not "we'll get around to it." Privacy isn't a feature we bolt on — it's the foundation we build on.
No third-party tracking
Zero trackers, zero analytics sold, zero ads. Your spending habits are yours alone.
Be first on the dance floor
Join the waitlist and we'll let you know when the music starts playing.