No broken bank imports, relinking, duplicates, or silent categorization errors. You stay in control.
The private alternative to budgeting subscriptions
Buy it once. Track in seconds. Keep your data.
Stop paying monthly to track your own money. Simply Finance is a one-time purchase with manual tracking, simple budgets, and Financial Runway—no bank sync, no signup, no subscription. Your data stays encrypted on your device.
$2.99 once, forever No bank connections needed
Works across iOS, Android, and web—sync with your private key. No account creation required.
- One-time purchase
- iOS, Android & web
- No signup required
- No bank sync needed
- End-to-end encrypted
Log spending while it happens. Amount, category, done. Faster than any aggregator.
See how many months your money lasts. The number that actually reduces anxiety.
Data lives on your device. Sync is encrypted. We cannot read your finances.
Why manual wins
No broken feeds. No stale data. No surprises.
Bank-synced apps break silently, miscategorize transactions, and create duplicates you have to clean up. Simply Finance puts you in control from the start—and it takes seconds, not minutes.
Every account, one screen
Checking, savings, credit cards, and cash in one place. No bank login required—add an account in seconds.
Simple budgets that work
Set a monthly budget per category. See spent, remaining, and over at a glance. No envelope methodology required.
Recurring bills with reminders
Track subscriptions and recurring bills. Get reminded before they hit. Confirm or skip with one tap.
Reports that answer one question
Where did my money go? See spending by category, income vs expenses, and top transactions. No decorative dashboards.
How it compares
You should not pay monthly to track your own money.
Most budgeting apps charge $100+/year and require bank connections to work. Simply Finance costs $2.99 once, needs no bank sync, and keeps your data encrypted on your device.
| Simply Finance | YNAB | Monarch | Rocket Money | |
|---|---|---|---|---|
| Price | $2.99 once | $14.99/mo | $14.99/mo | $6–12/mo |
| Bank sync required | No | Optional | Yes | Yes |
| Works offline | Yes | No | No | No |
| No signup needed | Yes | No | No | No |
| End-to-end encrypted | Yes | No | No | No |
| Financial Runway | Yes | No | No | No |
| Future projections | Yes | No | Limited | No |
| Data stays on device | Yes | No | No | No |
Competitor pricing verified March 2026 from official sources. YNAB also offers $109/year. Rocket Money has a free tier with limited features.
Privacy
Your money data is yours. Not ours, not Plaid's, not anyone's.
Bank-synced apps route your credentials through third-party aggregators and store transaction history on their servers. Simply Finance never touches your bank, never creates an account, and encrypts everything with keys only you hold.
- Encrypted with keys you hold
Every record is encrypted before it leaves your device. Sync servers only see ciphertext they cannot decrypt.
- No bank connections, ever
No Plaid, no MX, no open banking tokens. Your bank credentials never pass through a third party.
- No signup, no profile, no identity
No email, no password, no personal data collected. Open the app and start tracking. That is it.
Get the app
$2.99 once. Cancel the subscription you are replacing.
Switch from YNAB, Monarch, or Rocket Money and save over $100 a year. Use it on iOS, Android, and the web with encrypted sync between them. No recurring bill for the app that tracks your bills.
Simply Finance for iPhone
Manual tracking, simple budgets, Financial Runway, Future Sight, and encrypted sync. Everything, once.
$2.99 one time
- Log spending in under 3 seconds, anywhere
- Monthly budgets with clear spent, remaining, and over states
- Financial Runway and Future Sight to see months ahead
- Recurring bills with reminders and one-tap confirm
- No subscriptions, no upsells, no in-app purchases