The Income Tracker

Track income and spending
without linking your bank.

A month-by-month ledger for your income and expenses. Download a CSV from Barclays, HSBC, Monzo or Starling and import it in seconds. No account connection needed.

theincometracker.com  /  Example month
No open banking. No Plaid. No third-party access to your accounts. Just a CSV file you download yourself.
DateDescriptionAmountCategory
13 JunTESCO EXTRA 4261£42.61Food
12 JunSOUTHERN RAIL£12.40Transport
11 JunCOSTA COFFEE£4.35Eating out
09 JunBUPA DENTAL PLAN£75.00Health
Bank CSV import

Import from any UK bank

Download a statement from Barclays, HSBC, Monzo or Starling. Drop the CSV into the app. Dates, descriptions and amounts are read automatically.

No formatting required. Works with standard bank exports.

Monthly ledger

See every month side by side

Income on the left, expenses on the right. Drag transactions into named categories. Totals update as you type. Navigate between months with one click.

Income£3,248.72
Salary (BACS)£3,248.72
Expenses£144.35
Food£42.61
Tesco Extra£42.61
Southern Rail£12.40
Costa Coffee£4.35
Dentist (Bupa)£75.00
Net flow · 40 months
Projected income£39,330
Projected outgoings£33,140
Projected surplus+£6,190
Savings rate15.7%
SurplusDeficit
Annual picture

One year, not one month

The annual summary adds up every month you have entered. See your total balance, monthly average and projected savings for the year ahead. All calculated from what you actually put in.

Works with your bank

CSV export guides for 27 UK banks

Every major UK bank lets you download your own transactions. Pick yours for the exact steps, then import the file here. Only got a PDF? Paste it in.

How it compares

Ledger
Spreadsheet
Bank app
Works across accounts from different banks
Their accounts only
Import your own CSV files
Manual paste
Rarely
No bank credentials required
No
Drag-and-drop categorisation
No
No
Month-by-month ledger view
Manual
No
Free
Free, with or without the app

Guides, calculators and templates

Budget planner (UK)Surplus, savings rate and the 50/30/20 checkRent affordabilityThe 30% rule and the letting-agent income checkIncome and expenditure formFill in the Standard Financial Statement from real statementsWeekly to monthly calculatorConvert pay and bills to the same budget periodSplit bills by incomeCompare proportional contributions with 50/50Christmas savings plannerWork out how much to put aside each paydayBank CSV guidesExport from 27 UK banks, step by stepBudgeting guidesAnswer-first, no jargon, no bank loginFree calculators50/30/20, emergency fund, payoff, surplusBudget templatesFree CSVs that import in one stepCompare appsHonest side-by-sides, including where we loseWhat’s newRelease notes, newest first

Questions people ask

Is The Income Tracker free?
Yes. Completely free: no credit card, no subscription, no sign-up. Open it and start.
Do I need to connect or log in to my bank?
No. Download a CSV from your bank and drop it in. There is no open banking connection and you never enter bank credentials.
Which UK banks does it work with?
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 27 banks, and PDF statements can be pasted in.
Where is my financial data stored?
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.
Is it an alternative to YNAB, Emma or Money Dashboard?
For a free, private monthly picture of income, spending and surplus, yes. The comparison pages say plainly where each of those wins.
Does it work on a phone?
Yes. It runs in any browser, installs to your home screen like an app, and works offline once loaded.

More in the about page, the privacy policy and the guide to keeping statements private.

Open your first month.

It takes about two minutes.

Free. No credit card. No bank login.