A free Starling CSV budget tracker

By The Income Tracker · Updated 16 June 2026

In short

Export a CSV from Starling, import it into The Income Tracker, and track your spending in a clean monthly ledger. Free, private, no open banking.

Why people pick it

Free, with no account and no subscription.
No open banking. You export the CSV yourself.
Month-by-month ledger with live totals.
Drag-and-drop categories that stick.
Mix in CSVs from your other banks too.

How it works

In the Starling app, open Account information and export a CSV statement.
Open The Income Tracker and import the file.
Your transactions land in a monthly view, ready to categorise.

Need the exact export steps? See the Starling CSV guide.

The Income TrackerTrack it free. No account, no bank login.

Open the tracker →

Frequently asked questions

Is the Starling budget tracker free?: Yes. The Income Tracker is free, with no account or subscription. Import your Starling CSV and go.
Do I need open banking for this?: No. You export a CSV from the Starling app yourself, so nothing connects to your account.
Can I import several months at once?: Yes. Export the date range you want from Starling and import it in one go.

Related

Export Starling Bank to CSVStep-by-step guide Monzo CSV expense trackerTrack Monzo spending free Free money calculatorsPayoff, utilisation, savings and more 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.