Privacy First
Budgeting app without bank connection
60% of top budgeting apps share your data with third parties. Simple Money never connects to your bank, never sees your credentials, and encrypts everything with AES-256.
Why skip bank sync?
Bank sync sounds convenient. In practice, it is the number one source of frustration across 12 of the top 20 budgeting apps. Connections break, require re-authentication, create duplicate transactions, and expose your banking credentials to third-party aggregators like Plaid.
Manual entry takes under 5 seconds. You get full control, zero sync failures, and complete privacy.
What you get with Simple Money
5-second transaction entry Amount, category, done. Smart defaults fill date, currency, and last-used category.
Merchant memory that learns Enter "Kaufland" once. Next time, the category, account, and currency are suggested automatically.
AES-256 encryption at rest Every amount, merchant name, and note is encrypted before it hits the database. Not even our team can read your data.
Debt payoff calculators Snowball and Avalanche strategies with side-by-side comparison. See exactly when you will be debt-free.
FIRE calculator Calculate your financial independence number with real inflation adjustment (Fisher equation).
Multi-currency Works with any currency. Track RON, EUR, GBP, USD, and more across multiple accounts.
How it works
1. Create an account (30 seconds)
Email and password. No bank credentials, no financial connections, no data sharing.
2. Add your accounts
Name them (Cash, Checking, Savings). Enter opening balances. Simple Money tracks the math from there.
3. Log transactions as they happen
Tap +, enter amount, pick category, confirm. Under 5 seconds. Merchant memory speeds it up over time.
4. See your patterns clearly
Dashboard shows spending by category, savings rate, trends over time. Observations, never prescriptions.
Budget without bank access
No bank connection. No data sharing. Full premium for 14 days, no credit card required.