Log money out and money in yourself, set monthly budgets per category, and let subscriptions post on their own schedule. Nothing ever connects to your bank.
Start tracking for freeGroceries, rent, transport, eating out: each category gets a name, an emoji, and a colour. Sensible defaults are provided, and everything can be renamed, recoloured, or deleted.
Amount, category, and an optional merchant, description, and tags. Money in works the same way as money out, and past merchants autocomplete so repeat entries take seconds.
A limit per category, one limit across several categories, or a single total budget. Each month shows whether you landed within or over.
Create a recurring rule once and its transactions appear on schedule from then on, ready to edit or pause whenever things change.
This is a manual expense tracker: every entry is typed by you, named by you, and filed under a category you shaped. Money in is recorded the same way as money out, with its own income categories, so salary and refunds never blur into the expense charts.
Beyond the amount, a transaction can carry a merchant (who was paid, separate from what it was for), a free-text description, and any number of tags. Tags cut across categories: mark entries "holiday" or "work" and pull them back out of the searchable list later, whichever category they sit in.
Budgets are monthly limits, checked against what you actually logged. Set one per category, apply the same limit to several categories in one go, or keep a single total budget over everything. Within or over is worked out fresh from the month's transactions, so adjusting a limit never rewrites history.
A recurring rule is a payment you describe once: name, amount, category, direction, and a frequency anywhere from daily to yearly (seven cadences, including biweekly and quarterly). From its first payment date onward, the tracker posts a real transaction each time one falls due, even catching up on dates that passed while the app was closed.
Rules stay visible in their own view with what's due soon at the top. Pause a rule and it stops posting without losing its history; resume it and the cadence picks back up. Nothing renews silently, because the renewal is a line in your own list.
The spending tracker splits into six tabs: Overview, Transactions, Calendar, Recurring, Budgets, and Trends. Overview is the summary; Transactions is the full searchable list; Calendar lays daily totals onto the month so heavy days stand out at a glance.
Trends is where the longer story lives: month-on-month category comparisons, switchable line and bar charts, and a savings rate built from money in against money out. It answers the question a bank statement never quite does: is this month normal?
Spending lives in the same private dashboard as the net worth tracker: day-to-day cash flow on one page, the long-term balance picture on another, one login for both. Habits and health sit alongside in the daily progress tracker.
Typing in a transaction takes ten seconds, and those ten seconds are the feature: spending you record yourself is spending you noticed. It's also why nothing here ever asks for a bank login; there is no Open Banking connection, no aggregator, and no third party reading your statements.
Your data stays yours in the literal sense. Every transaction can be downloaded as a CSV from the Spending page, your whole account exports as a zip, and deleting your account permanently removes every row. The details are in the privacy policy.
No. There is no Open Banking connection and no account aggregator. You type each transaction in yourself, so there are no credentials to share, nothing to authorise, and nothing to revoke.
Yes. Every transaction is either money out or money in, and income has its own categories so salary and refunds never mix into the expense charts. The Trends view uses both directions to show your monthly savings rate.
You create a rule once with a name, amount, category, and frequency (anything from daily to yearly), plus the date of the first payment. The tracker then posts a real transaction automatically each time one falls due, including any you missed while the app was closed. Rules can be paused and resumed at any time.
Yes. Set a monthly limit per category, apply one limit to several categories at once, or set a single total budget across everything. Each month shows plainly whether you are within or over, and history is never rewritten when you change a limit later.
A merchant records who was paid ("Tesco"), separate from what the payment was for. Tags are free-form labels ("holiday", "work") you can attach to any transaction. Both are searchable, and past merchants autocomplete so repeat entries take seconds.
Yes, in two ways. The Spending page downloads every transaction as a CSV file for spreadsheets, and your account settings export everything you have ever tracked as a zip. Deleting your account permanently removes every row.