A budget app that never asks for your bank login.

Start with the current balance of each account you care about. From there, each expense or income entry changes that local ledger. Recurring bills keep predictable activity visible, while budgets show what has been spent and what remains.

For routine purchases, you can forward transaction alerts through device automation. That captures the information you choose without handing a third party standing access to your bank.

• Your bank username and password.
• An aggregator access token.
• A required email address or profile.
• A readable copy of your synced financial history.

The sync and privacy guide explains the encryption boundary and what the optional relay can see.

Simply Finance fits people who want a deliberate money routine, travel between banks or currencies, dislike subscription pricing, or do not want a financial aggregator in the middle.

It is not a replacement for investment aggregation, shared household workspaces, or automatic bank reconciliation. See the YNAB comparison and Monarch comparison before switching if those features matter to you.