Nothing to connect
There is no bank linking flow, no open-banking consent and no aggregator. The app never asks for online-banking credentials because it has no use for them.
No bank login
Track Your Spending Without Linking Your Bank
An expense tracker and budget app with no bank connection, no online-banking login and no aggregator in the middle. Import the statement your bank already lets you download, or add an expense in one line, and see where the month went.
No bank login · Any bank · No credit card
October spending $3,055 No bank linked
Housing$1,450
Groceries$612
Transport$238
Savings rate41.6%
See it in action
From a PDF statement to your month, in seconds
A card statement imported the way the app does it: the rows read from the PDF, sorted into your categories, and the month that comes out of it.
- Drop your statement A PDF, CSV or Excel file from your bank or card. Nothing connects to your bank.
- Categories from your history Shops you have filed before keep their category.
- AI sorts the rest (Premium) The other shops go into your own categories. You check them before you import.
- See where it went The spending donut and the cashflow diagram include the import.
Why it works without a connection
What a bank feed gives you, from a file you choose
Your bank already lets you download your transactions. That file is all the tracker needs.
Statements as they come
Import a CSV, Excel or PDF statement from your bank or credit card. A signed amount or separate debit and credit columns, text above the table, older file encodings: the importer finds the transactions. PDF reading is experimental.
Any bank, any country
Because nothing connects, no bank is unsupported: the small local bank, the account you kept abroad, the card no aggregator covers. A new layout is mapped once and remembered on your device.
Your categories, learned
Each imported row takes the category your past expenses gave the same shop. With Premium, AI can sort the rest into your own categories. You check every row before anything is saved.
Any currency
Enter or import each amount in the currency it was paid in. Totals, charts and your savings rate are converted to your main currency with daily exchange rates.
Next to your net worth
Track investments, cash and pensions in the same account. Your measured savings rate feeds your dashboard and your path to financial independence.
The honest trade-off
What you give up, and what you get back
Bank linking is convenient. Here is the real cost of doing without it.
What bank linking gives you
Transactions appear on their own, every day, with no effort. That is a real convenience and this app does not offer it. The price is a third party with standing access to your account data, and connections that have to be renewed from time to time.
What it costs you here
A few minutes a month: download last month’s statement from your online banking and drop it in. Shops you have filed before keep their category, so the review is mostly a glance. Or skip files and add each expense in one line from your phone.
Your monthly routine
Four steps, once a month
The whole routine, from download to a finished month.
1
Download the statement
In your online banking, export last month’s transactions as CSV or Excel, or save the PDF statement. Most banks offer it next to the transaction list.
2
Drop it in
The importer finds the header, the date, the amount and the description, and shows every row before anything is saved. Card repayments are flagged, so they need not count twice.
3
Check the categories
Rows from shops you have filed before arrive categorised. Pick a category for a new shop once and every row with the same text follows.
4
Read the month
Money in, money out, what you saved and your savings rate, with spending by category. Premium adds the cashflow diagram, budgets and 12 months of history.
Side by side
Bank-linked budget app vs a file-based tracker
The same goal, two answers to the question of who can see your account.
| Bank-linked budget app | MyFinanceTools | |
|---|---|---|
| How transactions arrive | Automatically, through a connection to your bank | From the statement you download, or typed in |
| What you hand over | Ongoing access to your account data, for the app or its aggregator | A file you pick. Nothing stays connected |
| Which banks work | Those the app or its aggregator supports | Any bank that lets you download a statement |
| When a connection breaks | New transactions stop until you reconnect | There is no connection to break |
| Effort | None day to day, once connected | One file a month, or a line per expense |
| Leaving | Depends on the app | Your expenses export to CSV on the free plan |
Comparing a named app? See the YNAB alternative. Tracking investments too? The portfolio tracker without bank linking works the same way.
Pricing
Free to track, Premium to go deeper
Unlimited entries, statement import, the month summary with your savings rate, spending by category and three months of history are free, with no credit card. Premium adds 12 months of history, the cashflow diagram, budgets, recurring entries, shared household accounts, the year view and AI categories for $6/month, $60/year or $249 once, together with every portfolio feature. More on the expense tracker.
Frequently asked questions
Can I track expenses without connecting my bank account?+
Yes, it is the only way this tracker works. You import the CSV, Excel or PDF statement your bank lets you download, or add expenses by hand. No online-banking login, no open-banking consent and no aggregator is ever involved.
Which banks does it work with?+
Any bank or credit card that lets you download your transactions. The importer reads one signed amount column or separate debit and credit columns, skips the text above the table and handles older Windows encodings. A layout it has not seen before is mapped once, and the mapping is kept on your device for next time.
Is my statement uploaded to your servers?+
The file is read in your browser, and only the rows you confirm are saved to your account. Two optional steps send something: asking the AI to suggest a column mapping sends the header row and at most five sample rows, with IBANs, card numbers, emails and long numbers masked; asking it to sort categories (Premium) sends each booking text once, masked, without amounts or dates.
How long does it take each month?+
A few minutes: download last month’s statement, drop it in, glance at the categories, import. Shops you have filed before keep their category, so the review gets shorter every month.
Can I track several currencies?+
Yes. Each entry keeps the currency it was paid in, and totals, charts and the savings rate are converted to your main currency with daily exchange rates. 30 currencies are supported.
Can I get my data out?+
Yes. Your expenses export to CSV from your profile on the free plan, and you can delete your account and all its data yourself at any time.
Is there a mobile app?+
It is a web app that works on any phone. Add it to your home screen and it opens like an app. There is no App Store or Play Store build.
Your spending, without your bank login
Create a free account, import last month’s statement and see where it went in minutes.
No bank login · No credit card · CSV export included
Amounts shown are illustrative. PDF statement reading and AI categories are experimental. Nothing here is financial advice.