Question 1

Is The Income Tracker free?

Accepted Answer

Yes. Completely free: no credit card, no subscription, no sign-up. Open it and start.

Question 2

Do I need to connect or log in to my bank?

Accepted Answer

No. Download a CSV from your bank and drop it in. There is no open banking connection and you never enter bank credentials.

Question 3

Which UK banks does it work with?

Accepted Answer

Any bank that exports CSV, OFX or QIF: Barclays, HSBC, Lloyds, NatWest, Santander, Nationwide, Halifax, TSB, Monzo, Starling, Revolut, Chase, Amex and more. Step-by-step export guides cover 20 banks, and PDF statements can be pasted in.

Question 4

Where is my financial data stored?

Accepted Answer

In your browser, on your device. Nothing is uploaded unless you choose to sign in to sync across devices, and you can export everything at any time.

Question 5

Is it an alternative to YNAB, Emma or Money Dashboard?

Accepted Answer

For a free, private monthly picture of income, spending and surplus, yes. The comparison pages say plainly where each of those wins.

Question 6

Does it work on a phone?

Accepted Answer

Yes. It runs in any browser, installs to your home screen like an app, and works offline once loaded.

The Income Tracker: a free UK income & expense tracker