Best budgeting apps without bank linking (2026)
More and more people want to manage their money without handing their bank credentials to an app. Good news: manual tracking is back, and the options are excellent. Here's an honest comparison of the best no-bank-linking apps in 2026.
Disclosure: Neto is our app — I'm its developer. That's why it tops the list, but every alternative includes its real strengths so you can decide for yourself.
1. Neto — most complete for investments and net worth
Best for: people who want more than expenses: crypto and stocks with real-time prices, multi-currency, and net worth with history — all without linking a bank, built in Europe under GDPR. Cons: iOS only for now, and advanced features need PRO (EUR 2.99/month or EUR 49.99/year; free to start). More about Neto.
2. Monefy — fastest expense logging
Best for: logging an expense in two taps with a highly visual pie-chart interface. iOS and Android. Cons: stays at daily spending — no investments, no net worth.
3. Money Manager — the veteran, most detailed
Best for: double-entry bookkeeping fans who want detailed reports. iOS and Android. Cons: busy interface and a learning curve.
4. Dime — pure minimalism on iPhone
Best for: budgets and expenses with a beautiful design, free, no accounts needed. Cons: no investments, no advanced multi-currency, no wealth view.
5. Actual Budget — for open-source lovers
Best for: technical users who want zero-based budgeting, self-hosting and absolute data control. Cons: you set it up and maintain it yourself; desktop-first rather than mobile-first.
Which one should you pick?
If you just want to log expenses, Monefy or Dime are plenty. If you want to build it all yourself, Actual Budget. If besides expenses you want to watch your investments and your net worth grow month after month without linking your bank — that's exactly why I built Neto.
Related: Mint alternative, Neto vs spreadsheets, private finance without bank sync, how to track expenses without bank sync.