Billfy puts a personal finance coach named Leo directly inside WhatsApp. There's nothing to install and no bank account to connect — you just message Leo in plain language and it helps you build a budget, identify where your money is leaking, set savings targets, and create a plan to pay down debt. The conversational format keeps the barrier low: instead of filling out spreadsheets or navigating a finance app, you describe your situation and Leo responds like a knowledgeable friend who asks the right questions. It's free to get started; a €4.99/month subscription unlocks unlimited messages and weekly financial summaries delivered straight to your chat.