Personal finance app · free to start
RoyalWallet shows what you can safely spend today, keeps every bill and subscription in sight and turns saving into something you can watch grow. Bring statements from any bank and plan your month in minutes.
No card, no bank login needed. RoyalWallet is not a bank and never holds your money.
Advice from your own numbers
Royal Advisor reads your transactions and helps you decide what is good and what is not. It finds your loans and asks you to confirm them, reads your habits and shows what changing them could save.
Your bank’s app shows one bank. A spreadsheet takes an evening every month. RoyalWallet brings all your accounts together and does the sorting for you.
| Your bank’s app | A spreadsheet | RoyalWallet | |
|---|---|---|---|
| All your banks in one place | Only that bank | If you copy everything in by hand | Statements from any bank, live sync coming soon |
| A month that starts on payday | Usually the calendar month | Only if you build it | Built in, any day from 1 to 28 |
| Bills and subscriptions found for you | Sometimes | No | Automatically, with price rises flagged |
| What you can spend today | Not usually | With some formula work | One number, every morning |
| Shared costs with friends | Not usually | A separate tab | Who owes whom, settled in one click |
| Price | Included with the account | Free | Commoner is free, with no time limit |
Not another spreadsheet. A calm picture of your money, made for the moment before you tap your card.
Safe to spend
Set amounts per category, let RoyalWallet fill them from your last three months, and get one number every morning: what you can spend today without breaking the plan.
Bills radar
RoyalWallet spots what repeats in your history: rent, phone, streaming, gym. You see what is due in the next 30 days and what your subscriptions cost a year.
Goals
A trip, a cushion, a bike. Put money aside or let a goal follow a savings account. RoyalWallet tells you what you need each month and whether your pace gets you there.
Vows
Spend at most €40 a week on takeaways. Ten days this month without shopping. Make a vow, and RoyalWallet counts your streak.
Can I afford it?
Type a price and see what it does to the rest of your month: what is left, what a day looks like after, and how much later a goal would come.
The Royal Chronicle
What came in, what went out, your most loyal café, your best month and how many days you spent nothing. Then a title: Squire, Knight, Duke or King.
The details that make a money app a pleasure instead of a chore.
Live demo, no sign-up
Open a demo account with seven months of sample data and every King feature switched on. Click around, change things, try the shortcuts. The account is yours alone and is deleted after 24 hours.
No email and no password. Sample data only, nothing is real.
Just an email and a password. No card, no bank login, no identity check.
Download a statement from your bank and drop it in, or add transactions as you go. Live bank sync is on its way.
Set a budget in a minute and let the overview do the worrying. One look in the morning is enough.
Commoner has everything you need to budget well. Duke and King are coming soon.
Budgets, bills and Royal Shield, free for good.
Freefor good
Royal Advisor Mini, your whole history and the Forecast.
€3.99a month
Coming soon
Royal Advisor, the AI advisor, no limits and priority help.
€6.99a month
Coming soon
Roadmap
One step at a time, and each one only when it is ready. This is the order we work in. We don’t promise dates.
Budgets that start on payday, bills and subscriptions, goals, vows, shared costs, insights and statement import from any bank. Free on Commoner.
Paid plans with more room, and read-only connections to your banks through regulated providers, so transactions arrive on their own.
Royal Shield finds your loans on every plan. Royal Advisor Mini reads your habits on Duke. On King, Royal Advisor is an AI model you can talk your money through with. It never decides for you.
Accounts with IBAN, virtual cards, transfers and exchange, provided by a licensed bank or e-money institution under its own licence.
Planned
Accounts with IBAN, virtual cards, transfers and exchange are planned, so your budget and your money can live in one place. We’ll only launch them with a licensed partner. Until then, RoyalWallet never touches your money.
Invite a friend. When they use RoyalWallet, you both get a month of Duke with Royal Advisor Mini.
Every year, 5% of our net profit goes to good causes, and our members vote where it goes.
How it worksNo. RoyalWallet is a personal finance app. It doesn’t hold, move or invest your money. Banking features shown as planned would come from a licensed partner, and only once approved.
No. You can import the statement files your bank lets you download (CSV, OFX, CAMT.053, MT940) or add transactions by hand. Live bank sync is coming to the paid plans.
Practically all of them for statement import, because these file formats are standard. RoyalWallet recognises the columns of most bank exports in English, Czech, Polish and German, and lets you adjust them.
It is what you can still spend each day until your budget month ends: what is left in your budgets, less spending without a budget. Without a budget, it uses this month’s income less spending and bills still due.
Your data travels encrypted, passwords are stored with Argon2id, two-factor sign-in is available, and bank access tokens are encrypted separately. We never sell your data and you can export or delete it any time.
Commoner is free for good. Duke (€3.99 a month) and King (€6.99 a month) are not on sale yet, but you can get them free by inviting friends: you both get a month of Duke for every friend who uses RoyalWallet.
English, Polish and Czech. Accounts in EUR, USD, GBP, CZK, PLN and CAD, with totals in your home currency at the ECB reference rate.
No. RoyalWallet and Royal Advisor show facts about your own money: sums, averages, habits and comparisons with your past, and arithmetic such as a debt payoff plan. They do not recommend financial products. Decisions stay yours.
Free to start, quick to set up, and your money finally in plain sight.