No account, no email, no bank connection. Open the app and log your first expense.
Simple Finance App
Updated July 15, 2026 · Simply Finance
A simple finance app that stays simple.
Most finance apps start simple and end up as a chore: bank feeds that break, categories to untangle, and a subscription reminding you to use it. Simply Finance keeps the part that works—log what you spend, see where it goes, know what comes next—and drops everything else.
- ✓No account, no bank sync
- ✓Log a transaction in seconds
- ✓Works fully offline
- ✓Free to use, no subscription
Available now on iPhone & iPad
Available now on Google PlayFree to use. One optional $4.99 unlock for Sync and detailed Reports.
Simple by design, not by omission
Unlimited accounts, budgets, reports, runway, and 150+ currencies—without the setup, feeds, and fees that make other finance apps feel like work.
Why the simple finance app wins
The best finance app is the one you still use in month three. That is where complicated apps fail: a bank feed breaks and the numbers stop being true, or the yearly renewal hits and the app gets deleted. Every feature that needs maintaining is a reason to quit.
Simply Finance bets on the opposite: if logging a coffee takes three seconds and the app never asks for anything—no logins to refresh, no fees to justify—tracking becomes a habit instead of a project. Simple is not a starter tier here. It is the product.
How it stays simple
- No setup. No account, no email, no bank connection. The first thing you do in the app is track money.
- You log it, so it's true. Manual entry sounds like work; it takes seconds and never breaks the way bank feeds do. Importing your history from CSV is there when you need it.
- Nothing nags you. No ads, no upsell screens, no subscription countdown. The only reminders are the recurring ones you set yourself.
- It answers plainly.What changed, whether you're okay, and what comes next—spending by category, budget progress, and your Financial Runway.
Simple, not limited
Simple describes the experience, not the feature set. Simply Finance includes unlimited accounts and transactions, budgets with visual progress, recurring transaction reminders, spending reports by category, Financial Runway, CSV import, and 150+ currencies. It works on iPhone, iPad, and Android, and optional sync between your devices is end-to-end encrypted.
Private, too
Your data lives on your device, not on our servers. No bank login, no profile, nothing readable by anyone else. Read more on the private budget app page.
A simple finance app vs a typical one
Swipe or use arrow keys to compare all apps.
| Feature | Simply Finance | Typical finance app |
|---|---|---|
| Time to first transaction | Seconds | After signup + bank linking |
| Account / email required | No | Yes |
| Bank connection | Never | Usually required |
| Feeds that break | None | Routinely |
| Works offline | ||
| Ads / upsells | None | Common |
| Price | Free / $4.99 extras | $70–180/yr |
"Typical finance app" reflects the common setup of popular subscription budgeting apps that connect to your bank.
FAQ
What is the simplest way to track my money?
Log what you spend, in the moment, in an app that opens fast and asks for nothing else. Simply Finance is built around that loop: no account to create, no bank to connect, no setup wizard. You open the app and add your first transaction in seconds.
Is Simply Finance free?
Yes, it is free to download and free to use for tracking and budgets. A single $4.99 purchase unlocks Sync and detailed Reports. There is no subscription and there are no ads.
Do I need to link my bank account?
No. Simply Finance never connects to your bank. You enter transactions yourself or import your history from a CSV file, so there are no broken bank feeds and no credentials shared with third parties.
Does simple mean limited?
No. Simply Finance supports unlimited accounts and transactions, budgets with visual progress, recurring transaction reminders, spending reports by category, Financial Runway, CSV import, and 150+ currencies. Simple describes the experience, not the feature set.
Does it work offline?
Yes. The app is local-first, so everything works without an internet connection. Optional sync between your devices is end-to-end encrypted.
Is there a subscription?
No. Budgeting apps commonly charge $70–180 per year. Simply Finance is free to use, with a one-time $4.99 unlock for Sync and detailed Reports. You pay once, or never.
The simple finance app you'll still use in month three
Open it, log an expense, done. No bank login, no account, no subscription.
Available now on iPhone & iPadAvailable now on Google Play