The manual budgeting app with optional bank sync
Log by hand, work offline, and connect your bank when you're ready. Free to start.
Manual entry, done properly
Logging is the point
Most passive-tracking apps catch transactions after the fact. The Budgeting App is built around the act of logging: amount, category, and account. That moment of awareness is what builds the habit.
Bank sync is optional
The Budgeting App works perfectly without a bank connection. Add it when you're ready. Synced transactions still come to you to review and categorise before they enter your budget, so sync saves the typing, not the awareness. Available in Australia, the United States, and Canada, and both modes work in the same book.
Works without internet
Log transactions, view your budgets, and review your categories with no connection. You only need internet to pull new bank transactions or sync across devices. Most aggregation-first apps require a connection to do any of this.
Free forever, no card required
Manual entry, offline mode, sync across all your devices, and weekly, fortnightly, and monthly budgets: all on the free plan. No trial period. No credit card. Upgrade to Pro Sync when you want bank connectivity.
The Budgeting App vs YNAB vs Monarch Money
| Feature | The Budgeting App | YNAB | Monarch Money |
|---|---|---|---|
| Free tier | Yes | No | No |
| Manual entry | Yes, on free plan | Yes | Yes |
| Works offline | Yes | Partial | No |
| Bank sync | Optional (Pro Sync) | Recommended | Recommended |
| Fortnightly budgets | Yes, on free plan | No | No |
| Annual price (with sync) | $89.99 | ~$109 | from ~$99.99 |
Feature and pricing details for YNAB and Monarch Money are based on each provider's official pricing and help documentation, last verified 1 June 2026. YNAB is ~$109/yr; Monarch's entry plan (Core) is ~$99.99/yr, with a Plus tier at ~$199/yr. Prices in USD and subject to change. YNAB and Monarch Money are trademarks of their respective owners; The Budgeting App is independent and not affiliated with or endorsed by them.
Frequently asked questions
Yes. Manual transaction entry is fully supported on the free plan and works independently of bank sync. You can log every transaction by hand, use bank sync, or use both together. Bank sync is an optional add-on on the Pro Sync plan.
Tap the plus button, enter the amount, pick a category and account. Add a note if you want context later. The whole thing takes about 10 seconds. Recurring transactions can be templated so you only set them up once.
Yes. You can upgrade to Pro Sync at any time. Pro Sync costs $9.99 per month or $89.99 per year and adds bank sync in Australia via Open Banking (powered by Fiskil), and in the United States and Canada via Plaid. See all plans.
Yes. Both work in the same book. Log cash transactions by hand while your card transactions sync from your bank. Everything comes together in the same budget.
Yes. The Budgeting App works fully offline. You can log transactions, view your budgets, and manage your categories without a connection. Bank sync data is stored on your device, so you can also review previously synced transactions offline. You only need internet to pull new bank transactions or sync across devices.
Yes. The free plan includes manual entry, offline mode, sync across your devices, and weekly, fortnightly, and monthly budgets. No trial period and no credit card required.
No. Device sync is part of the free plan and works across your phone, tablet, and other devices automatically. Pro Sync is a separate, optional plan, just for connecting your bank.
Manual entry means you log each transaction yourself. Bank sync means transactions pull in automatically from your bank for you to categorise and confirm. Manual entry keeps you more engaged with your spending. Bank sync saves time. You can use both in the same book.
Yes. Users in countries without supported bank connections use manual entry and get full value from every budgeting feature. Bank sync is available in Australia via Open Banking (powered by Fiskil), and in the United States and Canada via Plaid. Everywhere else, manual entry is the primary flow.
Start manual budgeting for free
Available on iOS and Android. No sign-up required.
