Budgeting app without bank sync

The real cost of bank sync

Across the top 20 budgeting apps, bank sync is the most common complaint. Here is what users report:

• Frequent disconnections Banks change their APIs regularly. Plaid and Finicity connections break, requiring you to re-enter credentials repeatedly.

• Duplicate transactions Sync bugs create duplicate entries that skew your totals and require manual cleanup.

• Miscategorization Automatic categorization gets it wrong often enough that you spend time fixing categories instead of budgeting.

• Privacy concern You are giving your bank login to a third-party aggregator. 60% of top budgeting apps share data with additional third parties.

How Simple Money handles it differently

• Manual entry in under 5 seconds Tap +, amount, category, done. Smart defaults fill the rest. Merchant memory learns your patterns.

• AES-256 encryption at rest Every amount, merchant, and note is encrypted before storage. Not even our team can read your data.

• Zero data sharing No Plaid. No third-party aggregators. No ad networks. Your financial data is never shared with anyone.

• CSV import for bulk data Download a CSV from your bank and import it. Best of both worlds: bank data without bank credentials.

• Full financial toolkit Budgets, debt calculators (snowball + avalanche), FIRE planning, 50/30/20 tracking, reports, and export.

Apps that skip bank sync