Budgeting guides

By The Income Tracker · Updated 16 June 2026

Straightforward guides for tracking your money privately. No open banking, no subscription, no jargon.

How to budget without linking your bank accountYou do not need open banking to budget. Here is how to track your income and spending privately in 2026 using a bank CSV. No account connection, no credentials shared. A free YNAB alternative for the UKLooking for a free YNAB alternative in the UK? The Income Tracker is free, needs no sign-up, and imports your bank CSV. No account and no bank login needed. Is it safe to upload your bank statement to a budgeting app?Is it safe to upload a bank statement or CSV to a budgeting app? It depends on where the data goes. Here is what to check, and how a local-first tool keeps it private. Free money calculatorsPayoff, utilisation, savings and more Bank CSV import guidesExport from any UK bank, step by step

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