40% of users prefer manual entry. No bank fees, no overdraft risk, no privacy concerns. Full control over your financial data. Free forever.
Your bank login never leaves your device. No third-party access to your accounts. Your data stays yours.
Manually entering each expense makes you conscious of every purchase. Studies show manual trackers save 15% more.
Bank sync misses cash transactions, tips, and side income. Manual entry captures everything.
Open app, tap the big + button. Takes 1 second.
Type the amount. Smart suggestions appear based on location and time.
Auto-categorized or choose from your custom categories. Done.
Tap add button
2:34 PM • Detected location: Starbucks
Enter $7.50
Suggestion: Coffee & snacks
Saved!
Categorized: Food & Dining • Wants (30%)
No vendor lock-in. Export your complete financial history whenever you want. CSV, Excel, or PDF formats.
Apps with bank sync often charge $5-15/month. SonaMoney manual tracking is free forever. No hidden fees.
Bank-connected apps can accidentally trigger overdrafts with their sync attempts. Manual entry is completely safe.
Bank-connected apps often sell transaction data to advertisers. With manual entry, your spending habits stay private.
International banks, credit unions, cash economies — manual tracking works with any financial system.
Begin with full manual control. If you ever want bank sync, upgrade to Premium. You're always in control.
Create Free Account →Manual tracking free forever. Bank sync available in Premium ($4.99/mo)
Related: bank sync optional • data export • download free app