How Wambai Works
Wambai organizes your financial life around three pillars: Plan, Track, and Analyze. Together, they give you complete control over your household finances.
Plan
The Plan pillar helps you stay ahead of your finances:
- Recurring Payments — Set up rules for bills and income that repeat on a schedule (weekly, monthly, yearly). Wambai generates pending payments automatically so you never miss a due date.
- Credits — Track loans and credit cards with amortization schedules, payment tracking, and balance monitoring.
- Budgets — Set spending limits for categories and track your progress throughout the period. You can also create savings goals for bigger purchases.
- Pending Payments — A unified view of everything coming due, pulled together from your recurring rules, loan installments, and credit card statements.
Track
The Track pillar captures your daily financial activity:
- AI Assistant — Tell Wambai what happened in plain language ("I paid $120 for electricity") or snap a photo of a receipt, and the AI creates the transaction for you.
- Quick Entry — A simple form for recording expenses, income, or transfers in seconds. Just pick the type, enter the amount, select accounts, and save.
- Journal Entry — Full double-entry mode for advanced users who want direct control over debits and credits.
- Transaction History — Browse, search, and review all your recorded transactions.
Analyze
The Analyze pillar turns your data into understanding:
- Dashboard — Your home base showing a customizable overview of recent activity, upcoming payments, and key metrics.
- Cashflow — Visualize income vs. expenses over time to understand your money flow.
- Net Worth — Track your total assets minus liabilities to see the big picture of your financial health.
- Insights — Data completeness checker that ensures you have enough information recorded for meaningful financial analysis.
The Dashboard
Your dashboard is the central hub that brings all three pillars together. It's organized into tabs matching the three pillars (Plan, Track, Analyze), and you can customize the layout by dragging sections into the order that works best for you.
Subscription Tiers
Wambai offers three plans:
- Free — Essential tools with basic limits. Great for getting started.
- Standard ($4.99/month or $49.99/year) — More power with higher limits and multi-currency support.
- Premium ($9.99/month or $99.99/year) — Unlimited everything plus advanced features like OCR receipt scanning, multi-currency support, and data export.
All plans include the full gamification system with XP, achievements, and leaderboards.