WalletHub

WalletHub is a free budgeting app that doesn't ask for bank access, so you enter transactions manually or import them from your bank's export. The app builds custom spending categories based on how you actually spend, calculates your monthly surplus or shortfall, and generates personalized debt payoff plans if you're carrying credit card or loan balances. It's available on web and mobile with offline support.

This option appeals to people who prefer not to grant an app access to their bank accounts but still want structured tracking. WalletHub suits budget beginners and anyone concerned about financial privacy, since you control what information you share rather than relying on automatic sync.