Budgeting apps that don’t need your bank login
If you don’t want to link a bank, you have real options. ftrme works in percentages and never asks for a login. YNAB lets you enter or import transactions yourself. Monarch supports manual accounts but is built around linking.
By Max, founder of ftrme · Updated Why skip the bank login?
Some people don’t want to share credentials, some banks aren’t supported, and some people simply aren’t ready to see every transaction. Avoiding the number is common. An app that starts gently can be the step that gets you looking.
| App | Without a bank login | Best for | Price |
|---|---|---|---|
| ftrme | Always. Percentages only | Starting without shame, one step a day | $49 first year (beta) |
| YNAB | Yes. Manual entry or file import | Detailed zero-based budgeting | $14.99/mo or $109/yr |
| Monarch | Partly. Manual accounts | Full picture once you’re ready to link | $14.99/mo or $99.99/yr |
| A spreadsheet | Yes | Total control, free | Free |
Last checked October 9, 2026. Check each app’s site for current prices.
How does ftrme work without your bank?
You tell it roughly where each $100 goes: rent, transport, food, debt, fun, future you. It shows your “Present Me” and a “Future Me” 20 years on, then gives you one small step a day. It never holds or moves money. Try the free Out of 100 tool to see the idea.
Quick answers
Is it safe to link my bank to a budgeting app?
Major apps use read-only connections through aggregators. Many people are comfortable with that. If you aren’t, apps like ftrme and YNAB work without it.