Skip to main content
Sign in Start free

Compare

Tracking spending without a bank login

Seven options, including exactly when each one beats ours. Facts checked October 2026.

Why this list exists

After Mint shut down, Intuit pointed its users to Credit Karma. The replacement was a different product. Some of those users wanted a new sync-based app. This page is for the others: people who took the shutdown as a reason to stop connecting bank accounts to apps.

Full disclosure up front: we make Reign, and it is on this list. The other six are real alternatives with real cases where they are the better pick, stated plainly, because a list that always concludes "buy ours" is not a comparison.

The options

  • Reign

    Receipt-first personal tracker. Snap a receipt and Reign records every line item and its price; targets, debt payoff plans, and shared spaces sit on top.

    Pick it when

    You want line-item detail, cash included, with a partner, and a free start (30 scans, no card). Made by us, so read the rest of this list for balance.

    Look elsewhere when

    You want zero effort per purchase or a formal expense-report workflow.

  • Goodbudget

    A digital envelope-method tracker. You type transactions or import bank files (OFX, QFX or CSV); Premium adds automatic sync for US banks.

    Pick it when

    You want envelopes specifically and a long-proven tool. Free covers 20 envelopes, 1 account, and 2 devices; Premium is USD 10 a month or USD 80 a year.

    Look elsewhere when

    Receipt item detail and item-price history are your main priority.

  • Money Manager (Realbyte)

    Expense and asset tracker you type into, with data kept on your phone and optional paid sync.

    Pick it when

    You want a thorough typed ledger and asset views, kept on your phone.

    Look elsewhere when

    You want Reign’s receipt-reading workflow instead of a typed ledger.

  • Expensify (free personal account)

    Expense tool whose personal accounts include free receipt reading without a monthly scan cap and email forwarding, without a bank link. Paid workspaces add categories, tags and team workflows.

    Pick it when

    You want free receipt reading and exports, or business reporting when you join a workspace. Full comparison: Reign vs Expensify.

    Look elsewhere when

    You want Reign's personal targets, item-price history and shared-space model.

  • Zoho Expense

    Receipt reading for business expense reports. Free covers up to 3 users and 20 receipt scans per user a month; automatic report creation is on paid plans.

    Pick it when

    You run business expenses and live in the Zoho ecosystem.

    Look elsewhere when

    Personal budgeting; it is built for reports.

  • Spendee

    Beginner-friendly finance app. Premium adds an AI receipt scan that turns a receipt into one transaction, and optional bank sync.

    Pick it when

    You want a gentle general-purpose tracker and might want optional sync later.

    Look elsewhere when

    You want Reign’s item-price history and receipt-tag view.

  • PocketGuard

    Leftover-cash budgeting: one number for what is left after bills and goals. Supports manual accounts but leans toward bank linking; no free version (USD 12.99 a month, USD 74.99 a year, or USD 149.99 once, after a 7-day trial).

    Pick it when

    You want one number for what is safe to spend and accept bank linking.

    Look elsewhere when

    You came to this page to avoid bank linking; it is sync-oriented at heart.

Third-party details checked October 2026 from each product's pricing page or help center. Prices and limits change; check before deciding.

Sources

How to choose in one minute

  • Reimbursed by an employer: Expensify or Zoho Expense.
  • Devoted to envelopes: Goodbudget.
  • Happy typing every transaction, want asset views: Money Manager.
  • Want receipts read into line items, cash counted, a partner on board, and a debt-free date: Reign. And if you are still weighing a full budgeting method instead, read Reign vs YNAB.

Your next receipt is the first one that counts.

Get the mobile app

Download on the App Store Get it on Google Play

Prefer your browser?

Start free