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Tracking spending without a bank login
Seven honest options, including exactly when each one beats ours. Facts checked July 2026.
Why this list exists
When Mint shut down in March 2024, Intuit pointed its users at Credit Karma, and budgets, categories, and history did not come along. 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 wiring bank credentials into apps at all.
Full disclosure up front: we make Reign, and it is on this list. The other six entries 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 every line item lands categorized; 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
The digital version of the envelope method, manual by design since 2009. No automatic bank sync; the Plus tier adds manual bank-file import.
Pick it when
You want envelopes specifically and a long-proven manual tool. Free covers 10 envelopes on 2 devices; Plus is USD 10/mo or 80/yr.
Look elsewhere when
You want receipts read for you; entry is typed.
Money Manager (Realbyte)
Manual-entry expense and asset tracker with a privacy focus, popular with people who want full control on their phone.
Pick it when
You want a thorough manual ledger and asset views with no cloud dependence.
Look elsewhere when
You want automatic reading of anything; it is typing-first.
Expensify (free Individual plan)
Business expense tool whose SmartScan reads receipts by camera, no bank link needed on the free plan (monthly scan allowance: 25 as of July 2026).
Pick it when
Someone reimburses you. Reports and approvals are the whole point. Full comparison: /compare/expensify.
Look elsewhere when
You want personal spending insight rather than expense reports.
Zoho Expense
Receipt OCR aimed at business expense reporting; automates report creation from scanned receipts, with a free tier.
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 personal finance app with photo receipt capture and manual categories; bank sync exists but is optional.
Pick it when
You want a gentle general-purpose tracker and might want optional sync later.
Look elsewhere when
You want receipts decomposed into line items or a strict no-sync product.
PocketGuard
Spendable-cash budgeting ("in my pocket"). Supports manual accounts but leans toward bank linking; no free version (USD 12.99/mo or 74.99/yr after trial, July 2026).
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 facts checked July 2026 from each product's official site or published announcements. Prices and limits change; verify before deciding.
How to choose in one minute
- Reimbursed by an employer: Expensify or Zoho Expense.
- Devoted to envelopes: Goodbudget.
- Happy typing every entry, 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.
The receipt in your pocket is a free trial. 30 scans, no card.
Snap your first receipt