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Honest notes on budgeting apps

Written by the person who builds FINANZA — including the parts that count against it.

• The best free expense tracker without a subscription

  The four places free apps put the paywall, five questions to ask before you commit, and how the funding models actually compare.

• Offline budget apps for Android: what "offline" really means

  A two-minute airplane-mode test that separates genuinely offline apps from ones that just cache — plus what you give up going local-only.

• Expense trackers that don't need your bank login

  What bank-linking actually shares, the honest case for doing it anyway, and what manual tracking is really like day to day.

FINANZA — free, no subscription, no bank login

Unlimited accounts, categories and budgets. Ad-supported. Your data stays on your device.