🆓 Always free · No bank connection · UK-focused
The UK Budget Tracker That Actually Works
Tell Womho your income and spending. Our AI assistant builds your budget, spots where you're overspending, and tracks your goals — all in one place.
Start Tracking Free →No credit card · No bank connection · 2 minutes setup
Most budgeting apps are broken for UK users
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❌ They require bank connection
✅ Womho is manual-first. Your data never leaves your device.
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❌ Built for US audiences
✅ Womho uses £, UK tax bands, ISAs, NI, council tax — not 401ks.
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❌ Hidden subscription costs
✅ Womho is free. Not freemium. Actually free, forever.
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❌ Overwhelming spreadsheets
✅ Chat with our AI to set up your budget in plain English.
How Womho budget tracking works
No spreadsheets. No bank passwords. Just a conversation.
Chat your way in
Tell Womho your monthly income. Just type it naturally — "I earn £2,800 a month take-home". Our AI fills in your profile.
Set your spending categories
Rent, food, transport, subscriptions — Womho asks the right questions and calculates how much you have left after essentials.
Track your goals
Emergency fund, house deposit, debt payoff — add goals and watch them update as your savings grow.
Everything in the Womho budget tracker
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AI budget assistant
Ask Womho anything. "Am I spending too much on food?" or "What's my savings rate?" — get instant answers.
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Visual spending overview
See your income, essential spend, discretionary spend, and savings rate at a glance on the dashboard.
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Goal tracker
Create goals — emergency fund, house deposit, holiday — and track how close you are with live progress bars.
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UK-specific calculations
Council tax, NI, ISA allowances — Womho understands UK finances, not US ones.
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Debt payoff planner
Add debts with interest rates. Womho shows your payoff date and total interest using snowball or avalanche.
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Private by design
No bank connection ever. Your data stays on your device in localStorage — Womho can't see your finances.
Womho vs other UK budget apps
Start your free UK budget tracker today
2 minutes to set up. No bank connection. No cost. Ever.
Create My Free Budget →