How to track your expenses without giving an app access to your bank

Plenty of budgeting apps promise to track your money 'automatically' — but the price is handing over read access to your bank account or linking through an aggregator. For many people in India, that's a step too far for a simple expense tracker.

You don't need bank access to budget well

Bank linking mostly saves a few taps of manual entry — at the cost of exposing every transaction you've ever made to a third party. A fast manual-entry flow (₹, UPI, cash) captures the same picture in seconds a day, and you stay in full control of what gets recorded.

Offline-first keeps your data yours

An offline-first tracker stores your transactions and budgets on your own device, not on a company server. It works without internet, and if you want to back up or share within your family, that sync can be end-to-end encrypted so even the app maker can't read it.

What good private tracking looks like

Quick capture built for daily Indian money habits, monthly budgets per category, gentle nudges before you overspend, and an optional Family Hub so a household can track one budget together — all without a bank login, and without your data being sold or used to train models.

Try it

Rupix Finance Tracker is built exactly this way: offline-first, no bank access required, private by default. Read more and join the early list at finance.rupix.io.