How to create budgets and track net worth without sharing banking credentials

This task can be performed using Aurum

Privacy-first personal finance tracking. No bank login needed.

Best product for this task

Aurum

fintech

Aurum is a privacy-first personal finance app that lets you track income, expenses, and net worth without ever connecting a bank account. You stay in control, manually log transactions, set budgets, and see your full financial picture in one clean dashboard. No data sold, no third-party access, no subscriptions to your banking credentials. Built for people who want financial clarity without sacrificing privacy. Free to start. Aurum Pro at $9/month.

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What to expect from an ideal product

1. Track all your spending by typing in purchases yourself instead of linking bank accounts that share your private financial data with outside companies
2. Set up monthly budgets for different categories like groceries and entertainment, then watch how much you spend in each area without anyone else seeing your numbers
3. Add up all your assets and debts manually to see your total net worth grow over time, keeping everything stored locally on your device
4. Use the dashboard to spot spending patterns and find ways to save money, all while your financial details stay completely private
5. Get the full picture of your money situation across different accounts by entering the numbers yourself rather than giving apps permission to access your banking login

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