Free expense tracker that never asks for your bank login
IncomeWise is a free expense tracker for income, expenses and investments that never connects to your bank. You log transactions yourself — by voice, by receipt photo or by typing — and the dashboard, wallet and 0–100 financial health score update instantly. Nothing about your bank account is ever shared with a third party, because there is nothing to share.
What you get
Three kinds of money
Income, expenses and investments are tracked separately, so saving and investing never look like spending.
Paid or still to come
Mark a transaction as settled or pending, so future payments don’t distort what you have today.
Health score
A 0–100 score from your savings rate, budget adherence and spending ratio, explained in plain words.
Deep reports (Premium)
Income vs expenses by month, quarter and year, category breakdowns, a month-end forecast and Excel export.
How it works
- 1
Create a free account — email and password, no card, no bank.
- 2
Add income and expenses by voice, receipt photo or typing.
- 3
Watch the dashboard, wallet and health score update as you go.
Why track expenses without a bank login
Bank-linking apps give a data aggregator ongoing read access to your accounts. Manual tracking avoids that completely, and it has a second benefit: logging an expense yourself is a moment of attention, which is what actually changes spending habits.
The cost of manual tracking is effort, which is why IncomeWise makes it as fast as possible: a spoken sentence, a photo, or a learned category suggestion.
Free vs Premium
Free: unlimited transactions, voice entry, receipt photos, the dashboard, the wallet, budgets and the health score, in any of 11 currencies.
Premium ($3 a month): advanced reports with the month-end forecast, Excel export, savings goals, bill, loan and subscription trackers, the AI advisor and the business workspace.
Frequently asked questions
Is IncomeWise a free expense tracker?
Yes. Tracking income and expenses — with voice entry, receipt photos, budgets and the dashboard — is free with no time limit and no transaction limit.
Do I have to connect my bank account?
No, and you can’t. IncomeWise uses manual, voice and receipt entry only: no Plaid, no bank credentials, no account aggregation.
Can I export my transactions?
Premium includes a formatted multi-sheet Excel export of your finances.
Related guides
More features
Use the expense tracker free
Free forever for the essentials. No card, no bank login.