Learn

What linking your bank to a budgeting app involves, how to judge whether it is safe, and the ways to track spending without it.

• Why we built a budget app that never connects to your bank

  Your bank already emails you every purchase. How Bankless Budget turns those alerts into a budget, what it can see, and what it can’t do.

• Is it safe to give a budgeting app your bank login?

  For most people, yes. How to check where you sign in, four questions to answer before you connect, and how to turn access off later.

• Budgeting without linking your bank account

  Four ways to track spending without connecting a bank account: by hand, statement imports, your bank’s own tools, and alert emails, with the trade-offs of each.

• Budgeting apps that work without linking your bank

  Budgeting apps that work without linking your bank: what each one asks of you instead, and what it costs. Every price links to the company’s own page.

• How to track spending without constantly checking your bank account

  Have your bank email you each purchase, collect the alerts in one place, and compare one weekly total with your plan. How it works, and where it falls short.

• EveryDollar alternative: track purchases without linking your bank

  EveryDollar’s free version works until a busy week. Bankless Budget fills in your budget from your bank’s alert emails, without linking your bank. Compare them.

• YNAB alternative: track spending without linking your bank

  Unlinked, YNAB means typing purchases in or importing files. Bankless Budget fills them in from your bank’s alert emails instead. How the two compare.

• Monarch Money alternative: track spending without linking your bank

  Monarch is built to sync every account. Bankless Budget never links your bank: it fills in your budget from your bank’s alert emails. How they compare.

• Rocket Money alternative: track spending without linking your bank

  Rocket Money works best with every account linked. Bankless Budget tracks spending from your bank’s alert emails instead, on every plan. How they compare.

Claims about other companies on these pages link to their sources. If you find something wrong, tell us and we will fix it.

Ready to set it up? The bank-by-bank guides are the practical half.