How to track personal finances without connecting bank accounts

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. Manually enter your income and expenses instead of linking bank accounts to keep your financial data completely private
2. Use Aurum's clean dashboard to see all your spending patterns and net worth in one place without sharing banking credentials
3. Set up budgets and track your progress toward financial goals while maintaining full control over who sees your information
4. Log transactions as they happen throughout the day so you always know where your money goes without automated bank feeds
5. Get a complete picture of your finances across all accounts by entering data yourself rather than giving apps access to your banking details

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