Budgeting
Budgeting without linking your bank account
Linking a bank means handing your transaction history to a third party. Money asks you to log what you spend instead, and holds no key that could read it.
Bank syncing is sold as convenience, and it is convenient. It is also the single largest privacy trade in personal finance software: a third party gets a durable, itemised record of everything you buy, and typically a standing connection to your account.
Money does not offer it, on purpose. You log what you spend, which takes a couple of seconds at the till and has the side effect most people are actually after — you notice the spending as it happens rather than reconciling it a fortnight later.
What you gain is a budget nobody can read. There is no server-side copy of your transactions, because the data is encrypted on your device before it syncs and the key is derived from a password we never receive.
If you have tried bank-linked budgeting and found yourself recategorising imported rows every week, manual logging is often less work, not more.
That app is Money
A budget you will actually keep, that nobody but you can read.
Free for 30 days, then $12 a year.