Physical budgeting, digitally. Split your money into pots the way you'd split cash into envelopes.
A bank account merges everything into one number, and that number is a lie — part of it is rent, part is savings you promised not to touch, part is genuinely free. Walletko puts the envelopes back.
A pot is an envelope, but also a goal. Saving for a project? Give it a pot and a share of your income, and you can see it fill up.
I built it for myself. It's open source, and if you think about money the same way, it may help you too.
Pots have a percentage share, always summing to 100%.
- Income splits itself across your pots by their share.
- Expenses draw from the pots you choose. An empty pot pays for nothing.
- Money moves between pots only if you move it. No silent borrowing.
- Nothing is deleted, only cancelled. You can't erase an income you already spent, so the balances stay honest.
- Pots — percentage shares, derived balances, transfers, archiving
- Income, expenses, and pot-to-pot transfers
- Cancellation instead of deletion, with guards against negative balances
- Tags, and views — saved filters you can reopen
- Dashboard: balances, monthly and all-time totals, yearly chart
- Passwordless sign-in (email code), light / dark mode