Manual expense tracker — no bank, no feed

In short

What is this?

expenie never connects to your bank. You enter expenses, income, and transfers, or confirm Pro AI drafts from text or a receipt. Balances come from opening balance plus what you accepted. 14-day full Pro trial includes AI capture; subscribe after to continue.

What you get

Built into the same workspace

• No bank credentials

  Nothing to authorize. Nothing third-party pulling transactions overnight.

• Fast capture

  Amount first, then account and category. Or Pro AI from text/receipt — still your confirm.

• Statement view

  Spent, received, net — day by day. Same honesty as paper, with search and months.

• Still a full ledger

  Accounts, budgets, loans, and Pro recurring sit on the same manual books.

How it works

Three steps

1. 01

   Create an account

   Sign up free. Pick a workspace currency. Add cash, checking, or a card you track by hand.

2. 02

   Log what happened

   Receipt in hand or memory — enter the line the same day when you can.

3. 03

   Close the month

   Read the statement. Adjust budgets. Leave bank apps for payments, not for truth.

FAQ

Common questions

Related

More ways in

• Expense tracker
• Personal finance
• Budget app
• Solo budget
• All features

Go deeper

Guides, comparisons, and calculators

• GuideExpense tracker without bank: keep the books yoursHow to track expenses without linking a bank — manual entry by design, cash that still counts, and AI that only drafts until you confirm.
• GuideAI expense drafts you still confirmAI can cut typing. It shouldn't cut review. Draft from text or a receipt, edit if needed, then confirm — or skip.
• GuideFree expense tracker that actually stays freeWhat “free expense tracker” means in 2026 — forever free vs trial bait — and how to pick one that tracks the month without forcing a bank link.
• GuideHow to track expenses without quitting in a weekA plain habit for daily spend — not a 40-step finance course. Log close to the purchase, read the month, adjust one category if needed.
• CompareMint alternative: what to use now that it is goneMint set the expectation that budgeting means connecting your bank. Its shutdown is a good moment to ask whether that was ever what you wanted.
• CompareMonarch Money alternative: when you are budgeting aloneMonarch's strengths are collaboration and aggregation. If you are one person who does not want a bank feed, most of what you pay for goes unused.
• CompareCopilot Money alternative that runs anywhereCopilot's design and platform integration are genuinely good. Its constraints are the Apple ecosystem and a bank-sync model that cannot see cash.
• CompareGoodbudget alternative: manual, without the envelopesGoodbudget and expenie agree on the important thing — manual entry. They differ on whether budgets should behave like envelopes that carry forward.
• Best forBest expense tracker without a bank connectionSome apps are manual by design. Others make you enter things by hand until you pay for sync. The difference matters more than the feature list.
• Best forBest expense tracker for cash spendingNo bank feed can see what a $200 withdrawal became. If cash is a real part of your spending, that is the only criterion that matters.
• Best forBest privacy-focused budget appThe biggest privacy question is not encryption marketing. It is whether an aggregator holds ongoing access to your accounts, and what the app sells.
• Best forBest offline expense trackerOffline can mean works without a connection or keeps data on your device. Those are different properties with different failure modes.