Toshl Finance

Toshl Finance leans into manual entry as the default, with optional bank import for accounts that support it rather than full automatic syncing. The interface uses cartoonish budget monsters to represent different spending categories, a lighter touch than most finance apps attempt, though the substance underneath is fairly serious, detailed tags, repeating entries, and budgets that can run weekly, monthly, or over a custom period. Multiple currencies are supported natively, which matters more here than in most US-focused trackers.

The free tier is limited to a small number of budgets and categories, while paid plans range from about $2.99 to $8.99 a month depending on the features and currency support needed. Freelancers and contractors with income that varies month to month tend to get the most out of it, the flexible budget periods and tagging system handle irregular cash flow better than apps built around a steady paycheck. Someone who wants automatic bank syncing as the default experience will likely find the manual-first approach more friction than they want.