No Bank Connection

Financial clarity.
Without the bank login.

FinTrack is the personal finance tracker built for people who refuse to hand over bank credentials. Manual. Private. Powerful. Zero bank APIs — by design.

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No bank connection · No Plaid · No OAuth · No data harvesting

What you get instead of bank sync

Recurring transaction forecasting

Add bills and income once with a due day. FinTrack shows the Financial Timeline automatically every month — no bank access needed.

Safe to Spend calculation

Current balance minus all unpaid upcoming expenses. The awareness that bank sync claims to provide — without the security risk.

Projected month-end balance

Current balance + upcoming income − upcoming expenses. Always calculated. Always accurate to your manual entries.

Mobile-first quick entry

Log a transaction in under 5 seconds on your phone. Manual entry is not a burden when the interface is built for it.

Start tracking privately today

No bank connection required. No setup complexity. Free forever to start.

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Frequently asked

Why would I want a finance tracker without bank sync?
Bank sync requires giving a third-party app access to your banking credentials or read-only account access. This creates a security surface, data harvesting risk, and dependency on financial aggregators like Plaid. Manual tracking eliminates all of this — and has the added benefit of building financial awareness through deliberate entry.
Is a manual finance tracker accurate?
Yes, when you enter transactions consistently. FinTrack makes this easy with a mobile-first quick-entry interface. Most users log transactions in under 5 seconds. The key advantage: you only see real transactions you chose to log, not pending or miscategorized bank imports.
What is FinTrack's alternative to bank sync?
Recurring transaction forecasting. You enter your recurring bills and income once — FinTrack automatically shows what's due, projects your month-end balance, and calculates Safe to Spend. This provides the same financial awareness as bank sync, without any bank access.
Privacy-First DesignWhy Manual Tracking WinsPersonal Finance Tracker