Budgeting App Without Bank Account Linking
The MoneyFlow app
Track your income, spending, bills, subscriptions, debts, and goals without connecting your bank account. No bank connection, no broken sync, no complicated reconciliation - just log what you spend and see your Safe-to-Spend number, what's left after bills, goals, and subscriptions. Free to start.
Don't want to connect your bank?
MoneyFlow works without bank linking. Enter your numbers manually, keep your data on your device, and still get Safe-to-Spend, debt tracking, bills, subscriptions, and net worth.
Learn how budgeting without bank linking works →Your data lives on your device - no broken bank connections, ever
Core features are free
All 7 categories, Safe-to-Spend, achievements - no paywall
No ads. Ever.
Revenue comes from Pro subscribers, not your attention
Why most people end every month with nothing saved
It's not how much you earn - it's not knowing where the money leaks. MoneyFlow won't promise you'll hit your first $10K or your first $100K, but it gives you the awareness to get there yourself.
Money disappears every month and you can't say where it went
See exactly what you can spend right now - after bills, debts, and goals are covered.
You reach payday with nothing saved, no matter how much you earn
Set a target and deadline, log contributions, and see if you're on track to hit it.
Your debt feels endless with no payoff date in sight
Enter your balance and rate - see your exact payoff date and how much extra payments save.
Subscriptions and bills quietly drain your account every month
See every subscription and bill in one list, with alerts before renewals catch you off guard.
You're saving fine but have no idea if your net worth is actually growing
Track assets and debts in one place and watch your net worth move, without spreadsheets.
Your budgeting app creates more confusion than clarity - broken syncs, nested credit card categories, transactions you don't recognize
MoneyFlow is manual by design. You log what you spend when you spend it - no reconciliation, no sync errors, no surprises.
Seven categories. One complete financial picture.
Every way money moves in your life - tracked in one place.
Spending
Set a monthly budget per category. Get warned before you overspend - not after.
Goals
Emergency fund, a big purchase, anything - set a target and deadline, see if you're on track.
Investments
Track cumulative contributions to stocks, crypto, and funds - see your total invested grow, not market swings.
Debts
Track balance, payments, and your exact payoff month. No more guessing when you'll be free.
Subscriptions
List every recurring charge. Know the monthly cost and get renewal alerts 3 days early.
Bills
Track variable bills like electricity and water - see at a glance if this month's higher.
Income
Log your monthly income. Powers the Safe-to-Spend calculation so you always know what's available.
The features that actually change behaviour
Tracking categories is the input. These are the outputs that tell you what to do next.
You're Always in Control
Manual logging means your data is accurate because you entered it. No unrecognized transactions, no sync errors, no credit card reconciliation to untangle.
Safe-to-Spend
Income minus every committed expense - bills, debts, goals, subscriptions - minus what you've spent. One number.
Net Worth
Add investments, cash, and property as assets, subtract debts - see if you're actually getting ahead, whether you're salaried or running your own business.
21 Achievements
Earn badges and grow your Wealth Score for staying on budget, paying off debt, and building wealth - progress you can see.
Upcoming Payments
See every bill, subscription, and debt payment coming in the next 7 or 30 days.
Debt Payoff Date
Enter your interest rate and see your exact payoff date - plus how much extra payments save. Free for every debt.
Strategy Comparison
Compare snowball vs avalanche to find the fastest way to pay off multiple debts at once.
Weekly AI Tips
AI analyzes your actual spending, goals, and debt each week and sends one personalized coaching tip.
Your Net Worth, Achievements, and Status - All in One Screen
See your net worth, Wealth Score, and every category's status - on track, over budget, or behind - all in one screen. Whether you're salaried or building your own business, net worth is the one number that shows if you're actually getting ahead. Achievements turn staying on top of your money into something you actually want to check, not a chore.
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Frequently asked questions
Why do I have nothing saved by the end of the month, even though I earn enough?+
Usually because spending happens before you know what's actually free to spend - not because you earn too little. MoneyFlow calculates Safe-to-Spend in real time, so you always know exactly what's left before you accidentally spend the money you meant to save.
How do I stop wasting money without a complicated budget?+
By seeing where it's actually going, not by tracking every category perfectly. MoneyFlow lists every bill, subscription, and debt payment in one place, so silent recurring charges and impulse spending both become visible instead of hiding in a bank statement.
Do I need to connect my bank account to use MoneyFlow?+
No. MoneyFlow works entirely with manual entry - add your accounts, spending, bills, and debts yourself, with no bank login or linked accounts required. Sign in only if you want optional cloud backup and sync.
Does MoneyFlow work outside the US?+
Yes. MoneyFlow supports 11 currencies - USD, EUR, GBP, JPY, CAD, AUD, CHF, KRW, SGD, THB, and MAD - and since it doesn't rely on a bank connection, you enter amounts directly instead of syncing through a bank integration that's often limited to US accounts.
How does MoneyFlow handle credit card spending?+
You log it yourself, right when you spend it. There's no automatic sync trying to match what you spent against what cleared your card, so there's no nested credit card category to untangle and no reconciliation step - the transaction just goes into your budget.
Can I track my net worth without linking my bank account?+
Yes. Manually add your investments, cash, and property as assets and your debts as liabilities, and MoneyFlow calculates net worth from that - updated whenever you log a change. No bank connection required.
I have irregular or business income - can MoneyFlow still track my net worth?+
Yes. Net worth is calculated from the assets and debts you log, independent of how regular your income is. Founders and self-employed users often prefer it for exactly that reason - it gives one clean personal number, separate from business cash flow ups and downs.
Is MoneyFlow free?+
Core features are free forever - all 7 category types, Safe-to-Spend, achievements, and upcoming payments. Pro is an optional upgrade that unlocks weekly AI insights, net worth trend chart, debt strategy comparison (snowball vs avalanche), and CSV export.
Does MoneyFlow work offline?+
Yes. MoneyFlow is offline-first and all your data is stored on your device. Sign in to enable automatic cloud backup and sync across devices - it's optional.
Is my financial data safe?+
MoneyFlow doesn't require you to link a bank account - you can track everything with manual entry, and your data stays on your device unless you opt into cloud sync.
What platforms does MoneyFlow support?+
MoneyFlow is available on both iOS and Android.
What's Safe-to-Spend?+
Safe-to-Spend is your income minus every committed expense (bills, debts, goal contributions, subscriptions) minus what you've already spent this month. It tells you exactly how much you can spend right now without breaking your budget.
Track everything in one app
Free, offline, and ready in under 2 minutes.