No Bank Linking
An expense tracker that never asks to link your bank
Linking a bank account hands an app ongoing access to your financial life. For a lot of people that's a hard no, and it shouldn't be the price of tracking spending.
Balance works entirely without bank linking. Scan receipts and payment screenshots, add spends manually, or on Android let Balance pick them up from the bank SMS alerts already on your phone.
Free · No ads · 140+ currencies · Android (iOS coming soon)
Balance - Expense Tracker by Clarzen on Google Play
Why skipping bank linking is a feature
Account-aggregator and net-banking connections can break, expose credentials, and still miss cash and split payments. Without them, there's no bank password to leak, and you decide exactly what's tracked.
It also means scanning and manual entry work the same whatever bank or wallet you use. There's no unsupported-bank problem for those, because there's no bank connection at all.
Keeping capture fast without a bank feed
Scan a bill or payment screenshot and the OCR fills in merchant, amount and date. Most entries take a couple of seconds to confirm.
On Android you can also turn on automatic capture: bank SMS alerts for supported banks become expenses, read on your phone, with only the transaction details saved. It's optional, and you can switch it off anytime.
Frequently asked questions
Does Balance connect to my bank?
No. Balance never asks for a bank login or net-banking credentials, and it never links to your bank account. You add transactions by scanning a receipt or payment screenshot, entering them manually, or, on Android, letting Balance pick them up from bank SMS alerts if you turn that on.
How do I capture spending without a bank connection?
Scan receipts or payment screenshots and Balance reads the details automatically, add any expense manually, or on Android turn on automatic capture from bank SMS alerts. Cash, card and mobile payments all live in one place.
Is Balance free?
Yes. Balance is free to download and use, with no ads. Everyday tracking — adding expenses, automatic capture, bills and subscriptions, accounts and CSV export — is free, and it isn't a trial that runs out.
Keep exploring
Track every expense. Ask anything.
Free to download, no ads, no bank login. Get Balance on Google Play and start tracking in minutes.
