A budgeting app with no bank login works from the numbers you type in, instead of pulling transactions from your bank. ObsyMint Goals is built this way: no bank connection, no account, and your data stays encrypted on your phone.
Bank sync versus manual entry
Both approaches are fair choices. They trade different things:
- Bank-synced apps add transactions automatically, which saves effort. The cost is giving a third party ongoing access to your accounts, with your data held on their servers.
- Manual apps need you to log what you spend, which takes a few seconds per entry. What you get is privacy, no dependence on a bank connection working, and seeing each number as it happens.
How ObsyMint Goals does it
- No bank connection and no account to create.
- Everything you enter is encrypted on your phone with AES-256.
- Unlock with a PIN, Face ID or fingerprint.
- Delete All Data in Settings erases everything instantly.
- Password-protected backups, made when you choose.
Making manual tracking a habit
- Log a purchase when you make it, while you still remember it.
- Use the quick actions sheet so adding an entry takes a few taps.
- Keep your categories few and simple.
- Once a week, compare planned against actual and adjust.
What you give up
Transactions do not import on their own. If you want fully automatic syncing, another kind of app will suit you better. If you would rather keep your accounts to yourself, this one is built for that.
Common questions
Is a budgeting app with no bank login safe?
Not linking a bank means the app never holds access to your accounts. Your data stays on your phone, encrypted with AES-256. As with any app, keep your phone locked and make a backup.
How do I add transactions?
Open the quick actions sheet and add income, an expense, savings, a goal, a bill or a loan.
Do I need to create an account?
No. You set a PIN, pick your currency and start.
Is it free?
It is free to use, with ads. A one-time Pro upgrade unlocks unlimited Goals, Loans & Bills and Smart Calculation, and removes ads. There is no subscription.