Private money tracking without bank sync
Track spending, budgets, savings, debt, subscriptions, and net worth in one calm manual finance hub. Free for 50 transactions, then £2.99/month.
A private finance hub, not just a budget app
Stay aware of spending
Manual entry keeps everyday spending visible, highlights unusual activity, and makes recurring costs harder to ignore.
Manage the full picture
Handle budgets, savings, debt, subscriptions, money owed, manual assets, and net worth in one place.
Share what needs sharing
Use family workspaces for household budgets, reminders, debts, and shared money without adding noise.
Privacy vs Security
Why zero bank connection matters
Privacy and security are related, but they are not the same. This app is designed to reduce banking exposure while keeping your money management active, clear, and under your control.
Security protects access
Most finance apps ask for bank links or third-party connections. That Budget App does not. No bank credentials are requested, stored, or used as part of the product flow.
Privacy protects identity
Manual tracking means your spending habits are not pulled from a bank feed just to build a profile around you. You choose what to record and what stays outside the app.
Control stays with you
Recurring items can be automated once set up, but the core model stays deliberate: you remain close to spending, debt, subscriptions, and unusual activity instead of turning a blind eye.
Guides
Useful pages for how the app works
These guides explain the product model clearly: why there is no bank connection, why active tracking is intentional, and how net worth fits into the wider money picture.
Privacy
Why zero bank connection matters
A deeper explanation of the privacy and security model behind manual tracking.
Manual tracking
Why active tracking works better
How deliberate entry helps you notice unusual spending, recurring costs, and what is really left.
Net worth
Track the bigger financial picture
How assets, liabilities, debt payoff, and cashflow fit together into a clearer view of progress.
FAQ
Common questions, answered clearly
Clear answers about privacy, pricing, manual tracking, and how That Budget App fits into everyday money management.
Is That Budget App free to use?
Yes. The free plan includes up to 50 tracked transactions. Paid plans start at £2.99 per month if you need unlimited tracking and premium tools.
Does That Budget App connect to my bank account?
No. The app does not ask for your bank login or connect to your bank feed. Transactions are added manually so you stay aware of spending while keeping financial access under your control.
What can I track apart from a budget?
The app covers spending, income, budgets, savings, debt, subscriptions, cards, recurring items, notes, money owed, and net worth. It is designed as a private personal finance hub, not just a budget screen.
Why use manual tracking instead of bank sync?
Manual tracking creates useful friction. You see unusual spending, feel recurring costs more clearly, and stay closer to what is left after bills, debt, and savings. That is the core product philosophy.
Can I track money friends or family owe me?
Yes. You can track money owed to you, repayments, and shared balances without using a spreadsheet. It fits alongside debt, subscriptions, budgets, and the rest of your finances in one place.
Do other people need the app for IOU tracking to work?
No. You can track the balance yourself either way. If the other person is also using That Budget App, shared debt and repayment tracking becomes smoother, but it is not required.
Can I share finances with family?
Yes. Family workspaces are available on Pro, so you can track shared budgets, reminders, debts, subscriptions, and household activity together once the workspace is upgraded.
Is my data private?
The app runs on secure hosted infrastructure, but the key privacy decision is product-level: there is no bank connection required. That means your banking credentials are not part of the app workflow.