Your Money
How to Budget Without a Spreadsheet
A spreadsheet works until it does not — one skipped week and the whole thing falls apart. Here is what a simpler, phone-based system actually looks like.
Budgeting without the bank login
Control your money. Don’t let it control you.
Track spending, pay off debt when you have it, and hit your savings goals — all without ever connecting your bank account.
- No bank login required
- Manual entry, full control
- Access your data from any device
A budgeting app that doesn’t need your bank password.
Most budgeting apps ask you to hand over your bank login the moment you sign up. Your Money works differently — you enter your own transactions yourself, so there’s nothing to connect to your bank, and no login to hand over.
See how privacy worksBudgeting shouldn’t feel like a second job.
Most budgeting apps ask for ten fields just to log a coffee. Your Money takes seconds — pick a category, add the amount, done.
- Log a transaction in under 5 seconds
- Custom categories, your icons and colors
- See your full spending history at a glance
See exactly when you’ll be debt-free.
Add an extra $200 a month and Loan Navigator shows you — in real numbers — how many years and how much interest you’ll save. Included with Your Money Pro.
$14,421 saved.3 years sooner.*
Based on an individual example; results vary depending on balance, APR, and payment amount.
One budget. Up to 5 people.
Share accounts, track spending together, and stay on the same page — literally. Included with Your Money Pro.
Learn about Family SharingHow Your Money compares
| Feature | Your Money | Other budgeting apps |
|---|---|---|
| Bank connection required | No | Usually yes |
| Debt payoff planning | Built in | Rare |
| Starting price | Free | Varies |
Money tips that actually help
Practical guides on budgeting, paying off debt, and saving for what matters.
How to Track Your Spending Without It Becoming a Chore
Most tracking systems fail because they demand too much precision. Here is the minimum version that actually works, and why less detail beats none at all.
How Long Do Minimum Payments Really Take to Clear?
Making only the minimum payment can take decades and cost several times your balance in interest. Here is the real math behind why, with a worked example.
Ready to take control?
Download Your Money and put your finances on autopilot — no bank login, no spreadsheets, just clarity.
Control your money. Don’t let it control you.