The Income Tracker

A UK budget app with no open banking

By The Income Tracker · Updated 8 September 2026

In short

The Income Tracker is a free UK budget app that does not use open banking. You import a CSV you download yourself, so no third party ever connects to your accounts. Private by design.

Why people pick it

How it works

  1. Download a CSV of your transactions from your bank.
  2. Import it into The Income Tracker.
  3. Track income, spending and surplus, month by month.

Not sure how to export a CSV? Pick your bank in the bank CSV guides.

Why no open banking?

Open banking is convenient, but it means handing a third party an ongoing window into your accounts. That is a real trade, and not everyone wants to make it. A CSV gives you the same insight with none of the exposure. You download the file, you import it, and nothing else touches your bank.

The Income TrackerTrack it free. No account, no bank login.
Open the tracker →

Frequently asked questions

Is there a budget app that does not use open banking?
Yes. The Income Tracker never uses open banking. You import a CSV you download from your bank, so no third party connects to your accounts.
How does it get my transactions then?
You download a CSV from your bank and import it. The app reads the dates, descriptions and amounts automatically.
Is it really free?
Yes. No account, no subscription, no credit card.

Related

How to budget without linking your bank accountTrack spending privately from a bank CSV Bank CSV import guidesExport from any UK bank Free money calculatorsPayoff, utilisation, savings and more Is it safe to upload your bank statement to a budgeting app?What to check before you upload anything