Finance apps without connecting your bank
You do not need to connect a bank to track your finances. Neto, Dinerio, Aurio, your own spreadsheet and manual modes in Spendee or YNAB can start with data you enter. Choose an approach you can maintain: daily entries, payment capture or periodic statement imports.
Published by Aurio, one of the products compared.
Desk review of official sources on 13 November 2026. This is not a hands-on test of every app or a quality ranking. Order follows use cases; prices and features may change.
Options for different needs
| Option | What it suits | Price and access | Limitation to consider |
|---|---|---|---|
| Neto | Spending, accounts and net worth without connecting banks. | Free; PRO €49.99/year on iPhone or €59.99/year on Android. | Current net worth is free; its history and unlimited CSV export require PRO. |
| Dinerio | Spending, budgets, net worth and couples finances without bank access. | 14-day trial; €3.99/month, €35.88/year or €99.99 once. | Paid after the trial. These are standard rates; promotions have separate dates and conditions. |
| Spendee | Manual tracking or shared wallets; bank connection with Premium. | Free manual plan; Plus adds shared wallets. | Its website shows US App Store prices; we do not present those as Spanish prices. |
| Your own spreadsheet | Define your columns, balances and tracking rules. | You can use a tool you already have; its licence may cost money. | You maintain formulas, backups and data. Creating a sheet does not automatically update it. |
| Aurio | Personal and shared expenses, budgets and net worth, in Spanish and English. | Free; Premium €49.99/year or €5.99/month. Seven-day trial on the monthly plan only. | No bank-account synchronisation. Update through entries, statements or Shortcuts; Aurio does not move money. |
| YNAB | Plan available money using its method and view reports. | Website: USD 109/year or USD 14.99/month, plus applicable tax; 34-day trial. | No permanent free plan. Sharing a subscription with up to six people is not the same as splitting a debt. |
No bank connection does not mean no cloud
Avoiding bank access removes an aggregation authorisation, but data you enter may still be stored or processed by external services. Review export, deletion and privacy policies. Aurio uses cloud services; we do not describe it as entirely local.
Try a sample statement
The linked CSV contains three fictional euro transactions: €1,800 income and expenses of €45.50 and €12. Expected result: three rows and a net €1,742.50. We verified it with Aurio’s CSV parser; this is not a signed-in import test or a test of the other apps.
How to check the result in Aurio
Create a separate test account and open Accounts > Import. Upload the CSV and check the dates, signs and three amounts before confirming. This is a generic file, not an official bank format. You can delete the test transactions afterwards.
What you still need to do
Statements cover a period; cash and later purchases need another capture method. Shortcuts requires setup and does not replace checking accounts. Aurio includes statement imports in Free but does not synchronise bank transactions automatically.